FREQUENTLY ASKED QUESTIONS
Q: What is Dana Cinta Personal Loan Bank Chinatrust Indonesia?
A: Dana Cinta Personal Loan is a short/mid-term, multi purposes and flexible financing package for public individuals who are employees or professional or self-employed.
Q: What kind of needs can be financed through Dana Cinta Personal Loan?
A: Any kind of needs such as educational, wedding, family vacational, furniture for your house, and other needs.
Q: How much is the range of the credit limit granted?
A: Starting from Rp 5 Millions up to Rp 200 Millions
Q: Who can apply Dana CInta Personal Loan?
A: Permanent employee, Professional and Self-employed
Q: What areas can be covered by Dana Cinta Personal Loan?
A: Jabodetabek, Bandung and Surabaya area can enjoy the facility
Q: How long does the application process take?
A: 3 business days from the completed and verified application submission
Q: What does a credit history stand for?
A: The definition with a credit history applies for:
- Employee/Professional: Have a credit history (KPR, KPA, KPM, Personal Loan (KTA) or Credit Cards) on the last 9 Months.
- Self-employed: Have a credit history on the last 9 months, and the credit has been in an active status for more than 12 months (KPR, KPA, KPM, Personal Loan (KTA) or Credit Cards).
A: Yes, if the customer work on selected company that has been assigned by the Bank with maximum tenor 36 Month
Q: What kind of fee the customer should pay?
A: Approved Customer will be charged a processing fee of 3% from the approved limit and duty stamp IDR 6000 and all the fee will be automatically deducted during disbursement
Q: Can the customer pay the remaining credit before it is matured?
A: Customer can pay the remaining credit before the tenure is matured but will be charged an additional of 5% out of the remaining principal loan
Q: How the customer will get the information regarding the loan approved or not?
A: Customer will be notify by Bank trough SMS notification
Q: How the customer will get the information regarding the approved loan?
A: Customer will be sent a thank you letter, should the customer doesn’t receive the letter in 14 days, the customer could reach BCI Customer Service
Q: When the customer should pay the installment?
A: Customer advise to conduct the payment 3 (three) days before due date to avoid any late charge fee
Q: If the customer likes to know about their loan, such due date, installment per month, etc?
A: Customer could contact BCI Dana Cinta Customer Service at 021 2991 3999
