DBS KTA Unsecured Loan. Low Interest Rate of 0.88% Flat/Mont

Unsecured Personal Loan

Low Interest Loan
DBS KTA
Estimate your loan & affordable
installments to meet your needs

Loan Amount

(Starting from IDR3,000,000 up to IDR300,000,000)

Tenure

Interest Rate 0,88%* (flat/month)

Estimated Monthly Installments

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The simulation above is an estimated calculation. Actual installment amounts are as stated in the Credit Approval.
The maximum Loan Amount, Tenure, and Interest Rate are subject to the Bank's assessment.

Make sure you are a credit card user (from any bank).

Interest starting from
0,88% flat per month

Installments up to
36 months

Apply before 31 December 2026 to get up to IDR1 million e-Voucher!

Terms and conditions of the program.

2 Easy Steps to Apply for
DBS KTA Unsecured Loan

Click "Apply Here" and fill in a short form, then click "Submit." We will contact you to continue the application process.

After the application process is completed within 3–5 business days, you will receive an SMS notification if your loan is approved and disbursed.

What is the difference between an unsecured loan and other loans?

An unsecured personal loan is a loan product for various customer needs that requires no collateral or guarantee of any kind. This is different from other loans such as multipurpose loans, home loans, secured loans, and others, which require assets as requirement for the application.

What is a loan tenure?

A loan tenure is the repayment period granted by the bank to the customer for paying installments. Generally, the longer the loan tenure, the higher the interest rate offered, and vice versa — the shorter the tenure, the lower the interest rate.

What are the types of bank loans?

Who is eligible for DBS KTA?

Indonesian citizen (WNI), aged minimum 21 and maximum 55 years

Minimum gross monthly income of IDR5,000,000

Minimum credit card limit of IDR7,500,000

Minimum 1 year as permanent employee, or minimum 2 years as entrepreneur

Minimum 12 months of active credit card history at another bank

Domiciled in Greater Jakarta (JABODETABEK)

What documents are required for the DBS KTA IDR300 million loan application?

Application Form

Copy of national ID (e-KTP)

Copy of credit card

Copy of Tax ID (NPWP) / Annual Tax Return (SPT PPH 21)

*If necessary, the Bank reserves the right to request additional documents beyond those listed above

What are the fees related to the DBS KTA low-interest loan?

Annual Fees:

Year 1*: 1,95% of the approved DBS KTA amount
Year 2**: IDR115,000 per year

Administration Fee*: IDR399,000

Loan Disbursement Transfer Fee*: IDR30,000

Late Payment Fee: minimum IDR250,000 or 6% of monthly installment per occurrence

Stamp Duty***: IDR10,000

Early Repayment Fee: 8% of remaining loan and other charges

Cancellation Fee: 8% of remaining loan and other charges

Cheque/Giro/Direct Debit Rejection Fee: IDR50,000 per rejection

Overpayment Refund Fee: IDR30,000

Overpayment Administration Fee****: IDR100,000

Service Fee*****: IDR10,000

* Fee is deducted once upfront from the total loan amount approved by the Bank.** Added to the 13th and/or 25th installment payment and onwards.*** Applicable for KTA disbursements above IDR5,000,000.**** Fee is deducted monthly for closed DBS KTA accounts with overpayments.***** Service fee is added directly to each monthly installment.

What can DBS KTA loan be used for?

Home Renovation/Expansion Capital

To increase the value of your property, you can use DBS KTA loan funds with a large limit of up to IDR300 million. The funds can be transferred for routine home repairs, partial or full renovations, home expansions, or creating multifunctional rooms. Interior designer costs, contractor fees, and building materials can all be financed with the DBS KTA loan.

Primary & Higher Education for Your Children

Whether studying locally or abroad, ensure your children's education is never hindered by financial constraints. DBS KTA loan funds can be disbursed to any bank account.

Continuing Education for Yourself

Are you advancing yourself with further education? DBS KTA loan funds are highly beneficial, allowing you to pay large education costs in installments of up to 36 months, so it won't hinder you from meeting other needs.

Wedding & Family Preparation

From venue rental, catering, and wedding gowns and more, all can be financed with the DBS KTA loan. This ensures your wedding runs smoothly and you start your new family journey more comfortably.

Tickets, Hotels, & Other Accommodations

With a maximum limit of up to IDR300 million, you can use the funds to book travel tickets to Europe and America, along with premium experiences such as high-speed train tickets, concert tickets for your favorite artists, fine dining, or staying in a penthouse.

Business Location & Equipment Upgrade

From renovating and expanding your business location to purchasing equipment and supplies, you can use the DBS KTA business capital loan to realize your dream business. With low interest starting from 0,88% per month and fixed installments up to 36 months, your business cash flow remains stable while you grow your profits.

What is DBS KTA loan interest rate?

How to pay DBS KTA loan installments?

ATM Bersama / Prima Network:

Select 'Transfer/Fund Transfer,' then enter the Bank Code followed by the Destination Account Number. Example: 046 + Your DBS KTA Loan Account Number.
Follow the next instructions.

Indomaret Outlets

Provide your DBS KTA loan number to the Indomaret cashier. Confirm your DBS KTA loan number and ensure the billed amount is correct.
Make payment by cash or debit card.
Keep the receipt given by the cashier as proof of DBS KTA payment.
Payment can be made at all Indomaret outlets in Indonesia, and will be processed within a minimum of 3 business days.

Tokopedia Application

Go to the credit installment page then select DBS Bank Loan Provider.
Enter your contract number / DBS KTA Loan Number, then click the Check Bill button.
Review the payment information on the checkout page.
Click the Pay button, then select the payment method, and click Pay once more.
Payment is complete.

What do they say about DBS KTA?

What do they say?

The guidelines provided by DBS are very clear, making it easy for others to apply for their KTA. And DBS is very quick in responding to customers.

What is DBS KTA loan interest and fees?

Interest Rate (flat/month)	0,88% - 2,75%
Administration Fee*	IDR399,000
Year 1 Annual Fee*	1,95% of approved DBS KTA amount
Year 2 Annual Fee and beyond**	IDR115,000
Late Payment Fee	Minimum IDR 250,000 or 6% of monthly installment per occurrence
Early Repayment Fee	8% of remaining loan and other charges
Cancellation Fee	8% of remaining loan and other charges
Stamp Duty***	IDR10,000
Overpayment Refund Fee	IDR30,000
Overpayment Administration Fee****	IDR100,000

* Fee is deducted once upfront from the total loan amount approved by the Bank.
** Added to the 13th and/or 25th installment payment and onwards.
*** Applicable for KTA disbursements above IDR 5,000,000.
**** Fee is deducted monthly for closed DBS KTA accounts with overpayments.

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