Credit Cards, KTA Loans, Insurance, and Paying Bills
Cermati.com helps you and millions of other customers to choose the best financial product that suits their needs. In addition to financial products such as personal loans, credit cards and insurance, Cerati.com also provides digital product top-up and bill payment services.
Products and product services available are online pulses, data packages, postpaid, roaming packages, electricity tokens, and online game vouchers. Apart from that, you can also check PLN electricity bills and check PDAM bills and pay bills online.
Main Features of the Examine Application:
• Compare and Apply:We will help you choose the right financial products such as credit cards, loans, insurance and other digital products.
• Get Financial News and Tips: Read the latest financial news and information, and also get tips and tricks about online loans, Credit Cards, Health Insurance, Car Insurance, Travel Insurance, lifestyle, health tips, and other financial information.
• Check EligibilityQuickly check your online loan / credit card eligibility before applying based on your personal information.
• Education Room: Get easy-to-understand financial tips.
• Antam's Gold Price Today: Planning to invest in gold? You can use this application to check the price of gold today.
Top Up and Pay Bills on the Cermati Application:
• Pulsa Online: Buy the cheapest credit online for all operators (Telkomsel, XL, Indosat, Tri, and Smartfren credit). The cheapest and most complete credit online starting from IDR 5,000.
• Online Data Package: Buy the cheapest online data package for all operators (Telkomsel, XL, Indosat, Tri, and Smartfren credit). The cheapest and most complete online data package.
• Postpaid: Make postpaid credit payments easily for Telkomsel, XL, Indosat, Tri and, Smartfren.
• Roaming: Buy roaming packages for Telkomsel, Indosat, XL, etc. at the best prices.
• Pay Home Phone: Pay Indihome landline and telkom internet bills practically.
• Check your PLN electricity bill and buy electricity tokens: Check and pay your PLN electricity bills and buy electricity tokens at the lowest price.
• Check PDAM bills: Check and pay PDAM bills in Indonesia.
• Online Game Vouchers: Buy well-known online game vouchers such as steam wallet, garena, battle net, google play etc. at the lowest price here.
Top Up and Invoice Payment Methods
• Credit Card (Visa, MasterCard, JCB, American Express)
• Virtual Accounts (BCA Bank Mandiri, PermataBank, BNI)
Information on Tenor and Interest Rates for Online Loans
• Minimum loan tenor of 3 months (90 days) and maximum 12 months (270 days) for loan repayment.
• Loan limit starting from IDR 1,000,000 - IDR 15,000,000.
• Maximum interest rate: 8% /month (APR: 8%*12 = 96%).
• Details of provision fees:
- 3 months loan tenor: 16%.
- 6 months loan tenor: 20%.
- 9 months loan tenor: 15%.
- 12 months loan tenor: 15%.
Example of Online Loan Calculation Simulation
If you borrow funds of Rp. 9,000,000, and repay it over 9 months, then here's a simulation of the payment:
• Amount of money borrowed: IDR 9,000,000.
• Provision fee: 15%*Rp4,000,000 = Rp1,350,000.
• Loan Principal = IDR 10,350,000 (IDR 9,000,000 + IDR 1,350,000).
•Total Interest (Total Loan - Amount of money borrowed - provision fee): IDR 4,563,000 (IDR 14,913,000 - IDR 9,000,000 - IDR 1,350,000)
• By calculating the annuity interest, the monthly installments are (Rp. 10,350,000 * 8%)/(1-(1+8%)^-9 months = Rp. 1,657,000.
• Total loan to be paid (monthly installments * tenor): IDR 14,913,000 (IDR 1,657,000 * 9 months).
Jl. Tomang Raya No. 38, Jatipulo
Palmerah, West Jakarta 11430
Telephone: (021) 40000 312
Business Hours: (Mon-Fri 9:00-17:00)