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優遇貸出金利

Rupiah Prime Lending Rate

Effective April 2025

Credit Segment

(% per year)
Data Period:
March 2025 		Kredit Non UMKM Kredit UMKM KPR / KPA Non KPR / Non KPA
Kredit Korporasi Kredit Ritel Menengah Kecil Kredit Mikro
Cost of Fund (HPDK) (%) 6.94 % 6.94 % 6.94 % 6.94 % 6.94 % 6.94 % 6.94 %
Overhead Cost (%) 0.23 % 0.19 % 0.18 % 0.12 % 0.12 % 0.19 % 0.11 %
Profit Margin (%) 4.58 % 5.61 % 5.63 % 5.69 % 5.69 % 4.62 % 5.45 %
Prime Lending Rate (SBDK) (%) (HPDK+ Overhead+ Margin) 11.75 % 12.75 % 12.75 % 12.75 % 12.75 % 11.75 % 12.50 %
Kategori Definisi Kategori Kredit Indikator/ Kriteria dari Kategori Kredit
Korporasi Kredit modal kerja dan/ atau kredit investasi yang diberikan kepada debitur yang memenuhi kriteria segmen Corporate di Bank J Trust Indonesia Total Plafond Kredit > Rp50 M
Ritel Kredit modal kerja dan/ atau kredit investasi yang diberikan kepada debitur yang tidak termasuk kriteria segmen Corporate di Bank J Trust Indonesia Total Plafond Kredit < Rp50 M

Notifications :

  • Prime Lending Rate is a base lending rate used by the Bank as a reference in determining lending rates for customers. Prime Lending Rate does not include credit risk faces by the Bank which depends on the Bank's risk assessment on each individual debtor or group debtors. Therefore, lending rate charged to customers can be different with The Prime Lending Rate.
  • The Prime Lending Rate for Non-Mortgage - Consumer Loan segment is a prime lending rate for customers of Non-Mortgage - Consumer Loan segment, excluding Non-Collateralized Consumer Loans and Credit Card.
  • Information of the current prime lending rate is also available at our branches and J Trust Bank website (www.jtrustbank.co.id).
    *) Corporate lending are loans for productive purposes with amount more than IDR 5 billion
J Trust Bank's Internet Banking and Mobile Banking is here with a new look and more complete services. Please access the E-Banking menu to get the latest J Trust Bank mobile banking and internet banking Dear customers of PT Bank JTrust Indonesia Tbk.  Be careful of fraud via telephone/Whatsapp application/advertising on social media on behalf of PT Bank JTrust Indonesia Tbk. or J Trust Bank, as well as offering J Trust Bank products, which in turn are subject to a monthly subscription fee and request a one time password (OTP) code or customer personal identification number (PIN). Beware, beware of fake links! Do not access links/links with requests to fill in customer's personal data, ask for OTP and PIN codes.