KTA - TymeDigital
KTA - TymeDigital
The right Personal Loan For You
- Free administration and provision fees
- Anywhere, anytime and only need e-KTP
- Fast approval process
Product Benefits
KTA TymeDigital is an unsecured personal loan product from Commonwealth Bank that is given to individuals for personal needs such as education tuition fees, medical fees, weddings, home renovations, vacations, and other personal needs.
Product Features
| Type of interest rate | Flat interest rates with Fixed Installments |
Currency |
Rupiah |
Loan Limit |
Rp10 million to Rp30 million (multiples of Rp1 million) |
Installment Payment |
Auto debit from Savings Account |
Credit Tenor |
12 months or 18 months |
Check if You are Eligible
| Age | 21- 55 years old |
Domicile |
Jakarta, Bogor, Depok, Tangerang, Bekasi, Surabaya, Semarang, Bandung, Yogyakarta, Badung, Denpasar, Palembang, dan Medan |
Profession |
Employee |
| Net Income | Minimum Rp3.500.000 / month |
Citizenship |
Indonesian Citizens(WNI) |
Self-Identification you need to Apply
- National ID Card (e-KTP)
- Tax ID Number (NPWP)
Interest Rates
| Interest Rate | 1.99% flat per month (equivalent to effective interest 3.44% - 3.46% per month, depending on the loan period) |
Penalties and Fees
| Provision Fees | Free |
| Administration Fees | Free |
Late Payment Fees |
6% from installment per month |
| Early Repayment Fees | 5% from outstanding loans |
How to Apply
- Submit your application by filling our KTA TymeDigital e-Form
Apply Now
- Continue your application by accessing the website link sent via SMS by COMMBANK
- If your application is approved, you will need to verify the loan and to open a new savings account (new Customer) through CommBank e-Kiosk machine.
Location of the e-Kiosk CommBank:
Find out where the nearest CommBank e-Kiosk is,here
About KTA TymeDigital (FAQ):
Find out more on KTA TymeDigital here
Product Risk:
- Late installment payments of KTA TymeDigital facilities can have a negative impact on your credit collectability in accordance with the provisions of Bank Indonesia (BI) and / or the Financial Services Authority (OJK) and will be recorded in the Sistem Layanan Informasi Keuangan (SLIK), which can affect application of your credit facilities that are being or will be submitted by you to Commonwealth Bank or other financial institutions.
- Commonwealth Bank will collect the arrears of KTA TymeDigital facility, including using any services of other parties to collect, or take legal action if necessary.
Installment Illustration
| Jumlah Pinjaman | Tenor 12 bulan | Tenor 18 bulan |
| (1.99% flat per bulan) | (1.99% flat per bulan) | |
10,000,000 |
1,032,333 |
754,556 |
11,000,000 |
1,135,567 |
830,011 |
12,000,000 |
1,238,800 |
905,467 |
13,000,000 |
1,342,033 |
980,922 |
14,000,000 |
1,445,267 |
1,056,378 |
15,000,000 |
1,548,500 |
1,131,833 |
16,000,000 |
1,651,733 |
1,207,289 |
17,000,000 |
1,754,967 |
1,282,744 |
18,000,000 |
1,858,200 |
1,358,200 |
19,000,000 |
1,961,433 |
1,433,656 |
20,000,000 |
2,064,667 |
1,509,111 |
21,000,000 |
2,167,900 |
1,584,567 |
22,000,000 |
2,271,133 |
1,660,022 |
23,000,000 |
2,374,367 |
1,735,478 |
24,000,000 |
2,477,600 |
1,810,933 |
25,000,000 |
2,580,833 |
1,886,389 |
26,000,000 |
2,684,067 |
1,961,844 |
27,000,000 |
2,787,300 |
2,037,300 |
28,000,000 |
2,890,533 |
2,112,756 |
29,000,000 |
2,993,767 |
2,188,211 |
30,000,000 |
3,097,000 |
2,263,667 |
How to calculate installments / month
Installment / month = Loan + (Flat interest rate / month x Loan Term x Loan) / Time period.
Illustration :
- Amount of approved loan facilities: Rp20.000.000
- Approved loan term: 18 months
- Flat interest rates per month = 1.99%
- Loan is disbursed on the 10th
- Payment installment due date = the 10th of every month (or on the previous business day if the 10th falls on a holiday)
Installments / month = [20.000.000 + (1,99% x 18 x 20.000.000)] / 18 = Rp1.509.111
Illustration of Late Payment Fees:
Late Payment fee / day = (6% x Installment / Month) / 30 days
Example
If the installment payment is made on the 15th (from due on the 10th)
5 days late fee = [(6% x Rp1.445.111)/30 days] * 5 = Rp14.451,11
Installment Payment Method
- Your KTA TymeDigital monthly installment payment can only be done with an auto debit facility from your Commonwealth Bank Savings Account
- Ensure the installment funds are available in your Commonwealth Bank Savings Account before the installment payment due date
Apply Now
Additional Information and Complaints :
For more information and complaints about KTA TymeDigital products, you may contact: Call CommBank 1500030 or (62-21) 2935 2935 for International Access.
Terms and Conditions:
View our KTA TymeDigital terms and conditions here.
