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Kredit Tanpa Agunan Payroll

Kredit Tanpa Agunan yang diberikan kepada karyawan berpenghasilan tetap, yang gaji (Payroll) nya melalui Bank Sinarmas.

Why choose KTA Payroll

No Collateral, up to Rp200 million Credit Limit, Rates start from 0.8% Flat/month, auto-debit monthly installment from the payroll account, and up to 60 months credit term

No Collateral, Quick Process, Low Rates, Easy Requirements

The benefits you can get

benefit 1 kta payroll Easy

Without Collateral

benefit 2 kta payroll Term

A maximum of 60 months Credit Term

benefit 3 kta payroll Limit

Up to 200 million Credit Limit

benefit 4 kta payroll Flat

Low Rates start from 0,8% Flat/Month

benefit 5 kta payroll Practical

No collaboration agreement between Bank Sinarmas and the company where the employee works are required.

How to apply

Submit the application on Bank Sinarmas website, or visit Bank Sinarmas Branch Office nearby by providing application requirements as follow:

  • 1Copy of e-ID card of the applicant
  • 2Copy of e-ID card of the applicant’s spouse
  • 3Copy of TIN if the credit facility limit is > Rp50 million
  • 4Copy of Family Registers
  • 5Marriage/Divorce Certificate (if the spouse is not listed in the same Family Registers)
  • 6Copy of salary slip, at least the last 1 month
  • 7Copy of employment verification letter from the company where the prospective debtor works. For BSIM payroll Customer, it can be replaced with an official email from the HR of the company where the prospective debtor works, confirming the status of the employee and his/her length of service

Tariff and charges

RemarksAmount
Provision1 %
Administration Fee
  • Up to Rp10,000,000 = Rp100,000
  • >Rp10,000,000 to Rp20,000,000 = Rp200,000
  • >Rp20,000,000 to Rp30,000,000 = Rp300,000
  • >Rp30,000,000 to Rp40,000,000 = Rp400,000
  • >Rp40,000,000 = Rp500,000-

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