Lender page

CIMB Niaga · XTRA Dana

A shareable lender landing page for Indonesia borrowers. Use it to inspect the published rate, fee notes, income bar and a representative repayment example before you open the lender site.

Open official source

Partial public disclosureLast checked May 31, 2026Official bank page (partial) ↗

Representative monthly paymentIDR 1,689,374IDR 60,000,000 over 36 months

Effective rateEIR not published0.88%–1.79% flat / month

Upfront feesIDR 2,400,000Biaya administrasi hingga 4% dari nominal pinjaman.

Income barCheck sourceFlexible prepayment noted

What this page is good for

Sharing one lender result directly in WhatsApp, Reddit or social posts.
Showing a repayment example without making the borrower re-enter filters first.
Keeping the source URL and lender-specific caveats next to the numbers.

Published terms at a glance

Amount range: IDR 30,000,000 – IDR 300,000,000
Tenor: {min}–{max} months
Funding: ≈ 3 days
Badge: Segment pricing

Editorial note

CIMB Niaga publishes a per-segment rate matrix; tenor band and minimum income are not on the public product page.

Rates, fees and eligibility shown are taken from the lender’s public product page. Personalised rate, fees and approval are determined by CIMB Niaga — confirm before applying.

Read more about how SEABorrow classifies verified vs partial / indicative rows on the Methodology page.

Methodology page

SEABorrow is independent and not affiliated with any listed bank. Loan terms change frequently — confirm on the lender's official page before applying. Read our full Disclaimer.

Repayment example

CIMB Niaga planner loaded below

The planner starts with Indonesia defaults and preselects this lender so the shared URL opens to the same offer.

Compare & filter

Find the right Southeast Asia loan shortlist

Start with one market, then adjust amount, tenure and income to surface the most realistic offers.

Country Loan purpose Loan amount (IDR) Term Monthly income (IDR) Sort by

Popular amounts:

Market focusIndonesiaDigital KTA products compete on speed, app flow and flexible prepayment.

Best headline rate0.88%DBS Indonesia · KTA digibank

Lowest monthly costIDR 1,689,374DBS Indonesia · KTA digibank

Fastest payout≈ 1 dayDBS Indonesia · KTA digibank

Offer shortlist

2 matching bank loans

Verified offers were manually checked on the lender’s public product page; confirm current terms before applying.

Indonesia · App-first

DBS Indonesia

KTA digibank

Fit 99

✓ Verified on lender pageLast checked May 31, 2026Official bank page ↗

Digital-firstApp flow

Advertised rate0.88% flat / month

Effective rateEIR not published

MonthlyIDR 1,689,374

Total costIDR 61,216,481

Upfront fee: IDR 399,000
Funding: ≈ 1 day
Max amount: IDR 200,000,000
Min income: IDR 5,000,000/mo

Biaya administrasi Rp 399.000.

Eligible only for active DBS credit-card holders; personalised amount/tenor/rate set at credit assessment.

Rates, fees and eligibility shown are taken from the lender’s public product page. Personalised rate, fees and approval are determined by DBS Indonesia — confirm before applying.

Open lender page Open lender site

Indonesia · Wide tenor

OCBC NISP

KTA Cashloan

Fit 86

✓ Verified on lender pageLast checked May 31, 2026Official bank page ↗

Up to Rp 200 jutaFixed monthly

Advertised rateFrom 0.98% flat / month

Effective rateEIR not published

MonthlyIDR 1,691,967

Total costIDR 62,860,817

Upfront fee: IDR 1,950,000
Funding: ≈ 2 days
Max amount: IDR 200,000,000
Min income: —

Biaya provisi 3% (min Rp 150.000); biaya pencairan Rp 25.000.

OCBC publishes flat monthly rate, provisi and plafond; minimum income is qualitative on the page (“penghasilan tetap”).

Rates, fees and eligibility shown are taken from the lender’s public product page. Personalised rate, fees and approval are determined by OCBC Indonesia — confirm before applying.

Open lender page Open lender site

Repayment planner

DBS Indonesia · KTA digibank

A single place to inspect monthly repayment, interest burden and fee impact before you build more landing pages around this market.

Estimated monthly paymentIDR 1,689,37436 monthly installments

Total repaymentIDR 60,817,481Principal + interest

Total interestIDR 817,481Cost of borrowing

Upfront feesIDR 399,000Processing + fixed charges

All-in cash costIDR 61,216,481Repayment plus fees

Income barIDR 5,000,000/moWatch early settlement terms

Amortization snapshot

Month-by-month repayment schedule

Month	Payment	Principal	Interest	Balance
1	IDR 1,689,374	IDR 1,645,374	IDR 44,000	IDR 58,354,626
2	IDR 1,689,374	IDR 1,646,581	IDR 42,793	IDR 56,708,044
3	IDR 1,689,374	IDR 1,647,789	IDR 41,586	IDR 55,060,256
4	IDR 1,689,374	IDR 1,648,997	IDR 40,378	IDR 53,411,259
5	IDR 1,689,374	IDR 1,650,206	IDR 39,168	IDR 51,761,053
6	IDR 1,689,374	IDR 1,651,416	IDR 37,958	IDR 50,109,636
7	IDR 1,689,374	IDR 1,652,627	IDR 36,747	IDR 48,457,009
8	IDR 1,689,374	IDR 1,653,839	IDR 35,535	IDR 46,803,170
9	IDR 1,689,374	IDR 1,655,052	IDR 34,322	IDR 45,148,118
10	IDR 1,689,374	IDR 1,656,266	IDR 33,109	IDR 43,491,852
11	IDR 1,689,374	IDR 1,657,480	IDR 31,894	IDR 41,834,371
12	IDR 1,689,374	IDR 1,658,696	IDR 30,679	IDR 40,175,675

Scenario lab

Run affordability, DSR and early-payoff checks without leaving the comparison flow

These tools stay tied to the selected lender and borrower inputs, so every output remains connected to the exact scenario on screen.

Affordability radar

How much monthly budget feels realistic?

Use simple income bands to see how aggressive this scenario is and what principal each band could support at the selected lender rate.

15% of incomeIDR 1,800,000/mo budget

IDR 63,928,988

20% of incomeIDR 2,400,000/mo budget

IDR 85,238,651

25% of incomeIDR 3,000,000/mo budget

IDR 106,548,313

30% of incomeIDR 3,600,000/mo budget

IDR 127,857,976

Payment pressure

Debt-service view for the selected offer

A quick screen for monthly pressure against the current income input and lender income bar.

Installment / income14.1%

Lender income barIDR 5,000,000/mo

Eligibility signalMeets lender floor

This scenario looks relatively light versus the current monthly-income assumption.

Tenure sandbox

Slide the term and watch cost rebalance

Test term

36 monthsIDR 60,000,000 principal

MonthlyIDR 1,689,374

Total interestIDR 817,481

All-in costIDR 61,216,481

This matches the currently selected term. Drag the slider to see how cash-flow and total cost rebalance.

Early-settlement preview

What if you clear the loan early?

Simulated payoff month

Month 12

Remaining balanceIDR 40,175,675

Interest paid so farIDR 448,169

Interest avoidedIDR 369,312

This is a planning view of balance and interest saved before lender-specific settlement fees or lock-in penalties.

Why this experience is stronger

Designed as a borrower toolkit, not a thin rate table

Country-aware comparison, lender pages, shareable scenarios and repayment schedules in one product.
Affordability, DSR and early-payoff checks tied directly to the selected lender row.
Guides, methodology and policy pages embedded in the same information architecture.

Expansion path

High-related next tools for this vertical

Indonesia affordability calculator by salary band
Indonesia DSR / DTI checker with lender-income fit
Indonesia early-settlement and prepayment-fee explainer

All offers below are derived from publicly visible bank product pages (snapshot per row). Where a lender does not publish a figure, we show “Check source” rather than guess. Rates, fees and approval terms change frequently — confirm on the lender’s own site before applying.