J Trust Bank Fixed Deposit
Updated August 2021
| Placement Method | 1st Deposit | 2nd Deposit | 3rd deposit |
| For Initial Placement: | |||
| Placement Amount | Rp20.000.000 | Rp20.000.000 | Rp20.000.000 |
| Interest Rate | 4,75% p.a | 5.00% p.a | 5.25% p.a |
| Tenor ( Month ) | 2, 3, 4, 6, 12 | 2, 3, 4, 6, 12 | 2, 3, 4, 6, 12 |
| For Extended Placement: | |||
| Placement Amount | Rp40.000.000 | Rp40.000.000 | Rp40.000.000 |
| Interest Rate | 4,75% p.a | 5.00% p.a | 5.25% p.a |
| Tenor ( Month ) | 2, 3, 4, 6, 12 | 2, 3, 4, 6, 12 | 2, 3, 4, 6, 12 |
Interest Rate Calculation
| Interest Rate Calculation | Nominal |
| Example :
Deposit Placement Date : 10 Sep 2021 |
Rp234.247 |
| Deposit Amount : Rp20.000.000
Interest Rate : 4.75% Tenor : 3 Month Interest Pay out every Month |
|
| Interest Payout :10 Dec 2021 | |
| Interest Calculation : Rp20.000.000 x 4,75% x (90/365 days) | |
| Tax :20% : Rp234.247 x 20% | Rp46,849 |
| Interest Earn (Net) : Rp234.247 – Rp46.849
Interest Payment Monthly (Gross) = Rp234.247/3 Interest Payment Monthly(Net) : Rp78.082 – Rp15.616 |
Rp187.397
Rp78.082 Rp62.466 |
J Trust Bank Deposit Placement Scheme Overview
The 1-2-3 Deposit Placement program, allow Customer to place a nominal Amount ( example :Rp20.000.000) at a Specified Time line ( 2, 3, 4, 6, 12 months)
Where each subsequent Deposit Placement ( up to 3 Placement ) at a Specified Time line ( 2, 3, 4, 6, 12 ) will enable the Customer to gain Higher interest Payment than its previous Placement.
Terms and Conditions
Program Participants: Old or New Customers.
Placement Conditions :
Customer will be given the option to select how many placement they required, Up to 3 Placement Offered
(1) 3 Placement at a Specified Time line ( 2, 3, 4, 6, 12 months) -> Customer is required to Place Deposit of the Nominal Value in Sequential Order 1,2,3
(1) 2 Placement at a Specified Time line ( 2, 3, 4, 6, 12 months) -> Customer is required to Place Deposit of the Nominal Value in Sequential Order 1,2
(1) 1 Placement at a Specified Time line ( 2, 3, 4, 6, 12 months) -> Customer is required to Place Deposit of the Nominal Value only one time
For Example:
Customer A : 1st Placement amount : Rp 20,000,000 ,2nd Placement amount : Rp 20,000,000 ,3rd Placement amount : Rp 30,000,000 . Total of all 3 Placement Add Up = Rp 70,000,000
When the Time line for all 3 Placement Ended , if the Customer wish to Continue , he or she might need to add additional Fresh fund Rp 70,000,000. Thus Total fund equal Rp 140,000,000 (Old Fund + New Fund)
Mean while
If the Deposit Time Line Expires , Customer can choose to extend deposit placement by participating the 1-2-3 Triple Profit Deposit Program again. Subjected if the time of extension is valid including the interest rate of the following program conditions is applicable.
It is not possible to extend Deposit program after maturity (unless it has been stipulated in the program), after program membership maturity, deposits can be extended with adjusted interest rates and counter interest rates apply.
Placements for program extensions are only permitted in multiples of a total of IDR 70 million and for a total extension of IDR 140 million.
The Earned interest rate is subject to a 20% tax, unless there are other provisions allocated for special customers.
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