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OCBC - Cash Biz OCBC – Kredit Bisnis Tanpa Agunan untuk UMKM

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KTA Cashbiz

Cashloan without collaterals to ease your cashflow.

Apply

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Further Information

Related information about KTA Cashbiz

Terms to Apply KTA Cashbiz

A minimum age requirement of 21 years old upon application and a maximum of 65 years old by the end of loan tenure
Resides/ ownership of a business operating within OCBC coverage area (Jabodetabek, Bandung, Surabaya, Semarang, Solo)
Business ownership operating for a minimum of 2 years.

Document to Upload

Photo of Indonesian national electronic ID card (e-KTP)
Self-portrait photo with an Indonesian national electronic ID card (e-KTP)
Photo of applicant’s signature on white paper
Photo of Tax Identification Number (NPWP) (for loan application starting from IDR 50.000.000)
Connected to DJP with at least 1 year of e-filing/giro or e-statement of the last 6 months
Certificate of company registration
Certificate of ownership/lease of business premises
Residential ownership/rental certificate

No	Services	Fee
1	Disbursement Fee	IDR 25,000
2	Stamp Duty	IDR 10,000
3	Provision Fee	• Tenor 6 - 12 months : 1.00% • Tenor 18 - 24 months : 1.50% • Tenor 36 months : 2.00%
4	Late Payment Fee	3% of the total bill per month (min Rp150.000)
5	Insurance Premium (optional)	1.50% of the nominal loan amount
6	Early Paid Off Fee	8% of the remaining loan (min Rp150.000)

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 Cashbiz 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 Instalments (IDR)
	Tenor
	6 months	12 months	18 months	24 months	36 months
25,000,000	4,514,167	2,430,833	1,736,389	1,439,167	1,091,944
30,000,000	5,417,000	2,917,000	2,083,667	1,727,000	1,310,333
35,000,000	6,319,833	3,403,167	2,430,944	2,014,833	1,528,722
40,000,000	7,222,667	3,889,333	2,778,222	2,302,667	1,747,111
45,000,000	8,125,500	4,375,500	3,125,500	2,590,500	1,965,500
50,000,000	8,928,333	4,761,667	3,372,778	2,778,333	2,083,889
55,000,000	9,821,167	5,237,833	3,710,056	3,056,167	2,292,278
60,000,000	10,714,000	5,714,000	4,047,333	3,334,000	2,500,667
65,000,000	11,606,833	6,190,167	4,384,611	3,611,833	2,709,056
70,000,000	12,499,667	6,666,333	4,721,889	3,889,667	2,917,444
75,000,000	13,392,500	7,142,500	5,059,167	4,167,500	3,125,833
80,000,000	14,285,333	7,618,667	5,396,444	4,445,333	3,334,222
85,000,000	15,178,167	8,094,833	5,733,722	4,723,167	3,542,611
90,000,000	16,071,000	8,571,000	6,071,000	5,001,000	3,751,000
95,000,000	16,963,833	9,047,167	6,408,278	5,278,833	3,959,389
100,000,000	17,856,667	9,523,333	6,745,556	5,556,667	4,167,778
125,000,000	22,320,833	11,904,167	8,431,944	6,945,833	5,209,722
150,000,000	26,785,000	14,285,000	10,118,333	8,335,000	6,251,667
175,000,000	31,249,167	16,665,833	11,804,722	9,724,167	7,293,611
200,000,000	35,313,333	18,646,667	13,091,111	10,713,333	7,935,556

Valid monthly instalment amount will be determined and recorded by OCBC system. Monthy instalments are a fixed amount, whereby the principal and interest proportion may vary month to month. Simulated amounts as stated above are calculated using indicative monthly rate. Rates may change at any time based on OCBC policy.