KTA Cashloan Payroll

Terms to Apply KTA Cashloan Payroll

Indonesian citizen with a registered national ID (KTP)
Owns an Electronic ID (e-KTP) & an active e-mail address
A minimum of 21 years old and max. 55 by end of loan tenure.
Resides/ works within Bank OCBC coverage area
Steady income source

Document to Upload

Photo of national ID (e-KTP)
Photo of Tax Identification Number (NPWP) (for loan application starting from IDR 50.000.000)
Self-portrait photo with national ID (e-KTP) (for all application through OCBC mobile)
Photo of signature on white paper (for all application through OCBC mobile)

No	Service	Fee
1	Disbursement Fee	IDR 25.000
1	Disbursement Fee	IDR 25.000	2	Provision Fee	Maximum 5% of the loan nominal, minimum IDR 150,000
3	Late Payment Fee	5% from total installement (minimum IDR 150.000 and maksimum IDR 750.000)	2	Provision Fee	Maximum 5% of the loan nominal, minimum IDR 150,000
3	Late Payment Fee		4	Early Paid Off Fee	8% of the remaining principal bill (minimum IDR 150,000)
5	Copies of Monthly Bills Fee	IDR 12.500/month	4	Early Paid Off Fee	8% of the remaining principal bill (minimum IDR 150,000)
5	Copies of Monthly Bills Fee	IDR 12.500/month	6	Monthly Bill Fee	Email	Mail/Courier
no charge	IDR 12.500/month		6	Monthly Bill Fee
7	Insurance Premium	1.5% - 2% of the nominal loan amount (depending on tenor)
7	Insurance Premium	1.5% - 2% of the nominal loan amount (depending on tenor)	8	Stamp Duty	Disbursement IDR 10.000,-* Payment ≤ Rp5.000.000 = Rp0 Payment >Rp5.000.000 = Rp10.000

*) Effective on March 18, 2021, each ON Cash Loan disbursement will be subject to a Stamp Duty Fee of IDR 10.000,- for agreement documents related to the ON Cash Loan facility

Product Risk

Any outstanding payment done below the minimum payment amount and/or after the due date stated in the billing statement will be classified as an KTA Cashloan Payroll with loan collectibility of ‘non-current’, according to the regulation/policies by Bank Indonesia (BI) and/or Otoritas Jasa Keuangan (OJK). This could negatively affect the Customer’s application for future loan facilites or their existing loan facilites, either in OCBC or in other financial institution

In the event of the passing of Customer who does not apply for life insurance protection in the middle of terms of loan, the outstanding debt will then be transferred to Customer’s next of kin.

Loan Amount (IDR)	Monthly Installment (IDR)
	Tenor
	12 Months	24 Months	36 Months	48 Months
5.000.000	534.567	307.376	236.890	202.640
10.000.000	1.069.133	614.752	473.779	405.280
20.000.000	2.138.267	1.229.503	947.559	810.560
30.000.000	3.052.105	1.783.355	1.360.438	1.215.840
40.000.000	4.069.473	2.377.807	1.813.918	1.621.120
50.000.000	5.086.842	2.972.258	2.267.397	2.026.400
60.000.000	6.104.210	3.566.710	2.720.877	2.431.680
70.000.000	7.121.578	4.161.162	3.174.356	2.836.960
80.000.000	8.138.947	4.755.613	3.627.836	3.242.240
90.000.000	9.156.315	5.350.065	4.081.315	3.647.520
100.000.000	9.463.183	5.234.017	3.824.294	4.052.800
150.000.000	14.194.775	7.851.025	5.736.442	6.079.200
200.000.000	18.926.367	10.468.033	7.648.589	8.105.600

* The table is only a simulation with insurance protection. The installment amount will be adjusted as recorded in OCBC system. The Interest rate that applied and recorded in OCBC system is flat annuity with fixed installments per month where the principal and interest portion can be different every month. Interest rates might change at any time based on OCBC policy.

Calculation Parameters of Installment Simulation Table

Loan Amount	Faktor Rate
	12 Months	24 Months	36 Months	48 Months
≤ IDR 25 Million	0,10691	0,06148	0,04738	0,040528
≥ IDR 25 Million	0,10174	0,05945	0,04535	0,040528
≥ IDR 100 Million	0,09463	0,05234	0,03824	0,040528

Personal Loan

Riplay KTA Cash Loan

Riplay Asuransi Jiwa Kredit

Terms and Conditions

KTA Cash Loan Payroll

Turn fuss into fast in making plans happen. Cash loans made for professionals.

Borrow Up to IDR200 million cash

Simple and Quick Process

Repay In Up to 4 years

Other Advantages

Terms & Conditions

Interest & Fees

Other Informations

Installment Simulation

Product Information Summary

Terms & Conditions

Terms to Apply KTA Cashloan Payroll

Document to Upload

Product Risk

Calculation Parameters of Installment Simulation Table

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KTA Cashloan Payroll

KTA Cash Loan Payroll

Turn fuss into fast in making plans happen. Cash loans made for professionals.

Borrow Up to IDR200 million cash

Simple and Quick Process

Repay In Up to 4 years

Other Advantages

Terms & Conditions

Interest & Fees

Other Informations

Installment Simulation

Product Information Summary

Terms & Conditions

Terms to Apply KTA Cashloan Payroll

Document to Upload

Product Risk

Calculation Parameters of Installment Simulation Table

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KTA Cashloan Payroll