Loans

Dana Bantuan Sahabat (Personal Loan)

Benefits of Dana Bantuan Sahabat Online Loan up to IDR 200 Mio with special interest start from 0.95% which only available on PT Bank DBS Indonesia (the “Bank”) website. Valid for those who live in Jabodetabek, Bandung & Surabaya.

Enjoy the benefits:

Low interest rate
Flexible repayment terms : 12, 24 and 36 months
Loan amount IDR 200 Mio

How To Apply

Apply Now

General Criteria

General Criteria	Employee	Self Employed	Professional
Indonesian Citizen with age between 21 – 55 years old	v	v	v
Minimum monthly gross income	IDR 3,000,000	IDR 5,000,000	IDR 5,000,000
Minimum credit card limit	IDR 6,000,000	IDR 7,000,000	IDR 7,000,000
Minimum length of employment	1 year with permanent status	2 years	2 years
Minimum credit card's active period from another Bank	9 months	12 months	12 months

Document

Document*	Employee	Self Employed	Professional
Original Application	v	v	v
Photocopy of ID ('KTP')	v	v	v
Photocopy of Credit Card	v	v	v
Photocopy of NPWP/ SPT PPH 21	v	v	v

*Bank has the right to request additional documents if necessary.

Interest Rate

Area	Approved Loan Amount by Bank	Interest Rate(flat/month)^**
Jabodetabek	IDR 5 – < IDR 125 Mio	1,29%
	> IDR 75 – IDR 125 Mio	1,29%
	> IDR 125 – IDR 200 Mio	0,95%
	> IDR 200Mio - IDR 300 Mio	0,88%
Bandung & Surabaya	IDR 5 – IDR 200 Mio	1,49%

* Interest rate is indicative. The calculation of real interest is daily interest based on effective interest divided by 360 (three hundred and sixty) days as listed on Welcome Letter after Dana Bantuan Sahabat Online Facility has been approved

Fees

Fees
Annual Fee	1^styear**	1.75% from the approved amount of KTA DBS
Annual Fee	2^ndyear onwards***	IDR 65,000 per year
Administration Fee**		IDR 399,000
Transfer Fee**		IDR 30,000
Late Fee		IDR 250,000 per late payment
Early Redemption Fee		8% from the outstanding loan and other fees
Cancellation Fee		8% from the outstanding loan and other fees

** Fees will be deducted one time from approved loan amount
*** Annual fee second year onwards will be charged on installment 13th and/or 25th for active customer

We provide you with various payment channels for your monthly installment.

Payment Channel	Transaction Fees
ATM BCA (Transfer Menu)	Based on the policy of the Bank
ALTO*	IDR 5,000
ATM Bersama*	Based on each Bank's regulation
Transfer / Clearing*	Based on each Bank's regulation
PT Bank DBS Indonesia Counter (Teller)*	IDR 50,000

* Transaction fee needs to be added to the monthly installment

How to calculate montly instalment from DBS Personal Loan:

Monthly installment = (loan amount + (amount x monthly flat interest rate x tenor))/tenor

Example:
Loan Amount                  = IDR 150 million
Tenor                             = 24 months (2 years)
Monthly interest rate        = 0.95% (flat)

Monthly installment calculation:
(IDR 150 mio + (IDR 150 mio x 0.95% x 24 ))/24 = IDR 7,674,734.-

Then, monthly installment are = Rp 7,674,734.-

General Terms and Conditions

Interest Calculation Illustration

Information & product requirement

PT Bank DBS Indonesia is registered and supervised by Financial Services Authority (OJK – Otoritas Jasa Keuangan).

PT Bank DBS Indonesia does not offer Dana Bantuan Sahabat Facility through SMS (Short Messaging Service), Whatsapp or any media other than PT Bank DBS Indonesia’s official media.

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