SEABorrow

Lender page

OCBC NISP · KTA Cashloan

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
✓ Verified on lender pageLast checked May 31, 2026Official bank page ↗
Representative monthly paymentIDR 1,691,967IDR 60,000,000 over 36 months
Effective rateEIR not publishedFrom 0.98% flat / month
Upfront feesIDR 1,950,000Biaya provisi 3% (min Rp 150.000); biaya pencairan Rp 25.000.
Income barCheck sourceCheck early settlement terms

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
Up to IDR 200,000,000
Tenor
6–36 months
Funding
≈ 2 days
Badge
Wide tenor

Editorial note

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.

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

OCBC NISP 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.

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 pageOpen 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 pageOpen lender site

Repayment planner

OCBC NISP · KTA Cashloan

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

Estimated monthly paymentIDR 1,691,96736 monthly installments
Total repaymentIDR 60,910,817Principal + interest
Total interestIDR 910,817Cost of borrowing
Upfront feesIDR 1,950,000Processing + fixed charges
All-in cash costIDR 62,860,817Repayment plus fees
Income bar—Watch early settlement terms

Amortization snapshot

Month-by-month repayment schedule

MonthPaymentPrincipalInterestBalance
1IDR 1,691,967IDR 1,642,967IDR 49,000IDR 58,357,033
2IDR 1,691,967IDR 1,644,309IDR 47,658IDR 56,712,724
3IDR 1,691,967IDR 1,645,652IDR 46,315IDR 55,067,072
4IDR 1,691,967IDR 1,646,996IDR 44,971IDR 53,420,077
5IDR 1,691,967IDR 1,648,341IDR 43,626IDR 51,771,736
6IDR 1,691,967IDR 1,649,687IDR 42,280IDR 50,122,049
7IDR 1,691,967IDR 1,651,034IDR 40,933IDR 48,471,015
8IDR 1,691,967IDR 1,652,382IDR 39,585IDR 46,818,632
9IDR 1,691,967IDR 1,653,732IDR 38,235IDR 45,164,900
10IDR 1,691,967IDR 1,655,082IDR 36,885IDR 43,509,818
11IDR 1,691,967IDR 1,656,434IDR 35,533IDR 41,853,384
12IDR 1,691,967IDR 1,657,787IDR 34,180IDR 40,195,597

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 63,831,027
20% of incomeIDR 2,400,000/mo budget
IDR 85,108,036
25% of incomeIDR 3,000,000/mo budget
IDR 106,385,046
30% of incomeIDR 3,600,000/mo budget
IDR 127,662,055

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 barCheck source
Eligibility signalPublic income bar not disclosed

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

Tenure sandbox

Slide the term and watch cost rebalance

36 monthsIDR 60,000,000 principal
MonthlyIDR 1,691,967
Total interestIDR 910,817
All-in costIDR 62,860,817

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?

Month 12
Remaining balanceIDR 40,195,597
Interest paid so farIDR 499,203
Interest avoidedIDR 411,614

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.