Cermati - KTA Kartu Kredit 4.35.0

Cermati provides a comprehensive platform for financial products including credit cards, personal loans, insurance, digital gold investment, and online credit report checking. It assists users in making informed choices that cater to their specific financial needs.

Key Features of the Cermati Application:

• Compare and Apply: Facilitate selection of suitable financial products such as credit cards, personal loans, insurance, and various digital offerings.
• Financial News and Tips: Access current information and advice in finance and investment.
• Eligibility Check: Quickly assess your eligibility for online loans or credit cards based on personal information.
• Credit Report Check: Review your credit history by checking your credit report.
• Digital Gold Investment: Easily invest in digital gold and monitor current gold prices through the application.

Top Up and Bill Payment Services:

• Online Top-Up: Purchase the most affordable online credit for all operators (Telkomsel, XL, Indosat, Tri, Smartfren) starting from Rp5,000.
• Online Data Packages: Acquire competitively priced online data packages for various operators.
• Postpaid Payments: Seamlessly pay postpaid bills for Telkomsel, XL, Indosat, Tri, and Smartfren.
• Roaming Packages: Access the best prices on roaming packages for various providers.
• Landline Payments: Conveniently settle landline and internet bills with Telkom Indihome.
• Electricity Bill Check and Token Purchase: Verify PLN electricity bills and buy tokens at competitive rates.
• PDAM Bill Check: Easily check and pay PDAM bills across Indonesia.
• Online Game Vouchers: Obtain well-known game vouchers at the lowest prices available.
• Streaming Vouchers: Purchase streaming vouchers to enjoy your favorite films and series without limitations.

Payment Methods for Top Up and Bills Include:

• Credit/Debit Card
• No-Credit-Card Installments
• Bank Transfer (Virtual Account)
• e-Money
• Instant Payment
• Mini Market (Alfamart, Alfamidi, Dan+Dan)

Loan Terms and Interest Rates for Online Loans:

• The minimum loan term is 3 months (90 days) with a maximum of 12 months (360 days).
• The loan limit ranges from Rp1,000,000 to Rp15,000,000.
• The maximum interest rate is 8% per month (APR: 96%).
• Details of Service Fees based on Loan Term:
• • 3-month term: 16%
  • 6-month term: 20%
  • 9-month term: 15%
  • 12-month term: 15%

Example Loan Calculation Simulation:

If you borrow Rp9,000,000 over a term of 9 months, the payment simulation would be as follows:

• Borrowed Amount: Rp9,000,000
• Service Fee: 15% of Rp4,000,000 = Rp1,350,000
• Total Principal Loan Amount = Rp10,350,000 (Rp9,000,000 + Rp1,350,000)
• Total Interest: Rp4,563,000 (Total Loan - Borrowed Amount - Service Fee)
• The monthly installment calculated using an annuity formula yields approximately Rp1,657,000.
• Total amount payable over the loan term: Rp14,913,000.

Contact Us

Kantil No. 38 Jatipulo
Palmerah, West Jakarta 11430
Phone: (021) 40000 312
Working Hours: Monday - Friday 9:00 AM - 5:00 PM
Email: [email protected]