BCA - KPR BCA

KPR (Home Loan)

KPR BCA

Home financing solution for house, apartment, home office purchase in new or second condition.

Benefits

Important Information

Requirements

Indonesian citizens
Permanent Employees with minimum 1 year employment at the same company or 2 years total employment
Professionals/entrepreneur with minimum 2 years employment at the same field
Minimum age 18 years or married
Maximum age of 65 years when the credit ends for Professionals/entrepreneur
Maximum age of 55 years when the credit ends for Permanent Employees
The applicant is obliged to cover insurance (life and fire) with the condition of the banker's clause
Willing to sign a credit agreement and APHT (Liability Charge Act)
Auto debit payment from the applicant's BCA account

Document Requirements

Work Type

Photocopy of the applicant's id card
Photocopy of Husband/Wife's id card
Photocopy of Marriage/Divorce/Death Certificate
Notaril asset separation deed and registered with KUA or civil registry (if any)
Photocopy of Family Card
Photocopy of the applicant's NPWP *)
Original Salary Slip/Income Certificate for the last 1 month *)
Photocopy of savings account transaction for the last 3 months *)
Original statement regarding property ownership credit or credit secured by property that is being proposed or owned
Developer Home Order Letter/Broker Cover Letter ***)
Proof of Appraisal Payment ****)

Photocopy of the applicant's id card
Photocopy of Husband/Wife's id card
Photocopy of Family Card
Photocopy of Marriage/Divorce/Death Certificate
Notaril asset separation deed and registered with KUA or civil registry (if any)
Photocopy of the applicant's NPWP *)
Photocopy of Business Entity NPWP **)
Photocopy of SIUP
Photocopy of TDP **)
Photocopy of Establishment Deed/Change Act **)
Photocopy of savings account transaction for the last 3 months *)
Original statement regarding property ownership credit or credit secured by property that is being proposed or owned
Developer Home Order Letter/Broker Cover Letter ***)
Proof of Appraisal Payment ****)

Photocopy of the applicant's id card
Photocopy of Husband/Wife's KTP
Photocopy of Family Card
Photocopy of Marriage/Divorce/Death Certificate
Notaril asset separation deed and registered with KUA or civil registry (if any)
Photocopy of the applicant's NPWP *)
Photocopy of Business Entity NPWP **)
Photocopy of License to Practice
Photocopy of savings account transaction for the last 3 months *)
Original statement regarding property ownership credit or credit secured by property that is being proposed or owned
Developer Home Order Letter/Broker Cover Letter ***)
Proof of Appraisal Payment ****)

Notes :

*) For husband and wife joint income, spouse's documents must be attached

**) For entrepreneurs with PT & CV legal entity

***) For purchases at the developer and/or through a broker

****) For branches that have implemented Appraisal payments in advance

Guarantee Document Requirements

Photocopy of Freehold Title/Cultivation Rights Title/ Strata Title
Photocopy of Building Permit
Photocopy of latest Property Tax (except for new property)
Photocopy of Deed of Sale and Purchase Land

Note :

After the Fix interest period ends, the interest rate that will apply is the floating interest, in which the interest rate will vary according to the current interest rate. Changes in interest rates will affect the amount of installments that must be paid.

Fees, Limits and Rates

Interest Rates Promo

Fix Rates	Purchase (eff.p.a)	Minimum Tenor
Fix 3 years	3.85%	10 years
	4.15%	8 years
	4.85%	5 years
	5.50%	3 years
Fix 5 years	4.85%	10 years
	5.35%	8 years
	5.65%	7 years
	6.50%	5 years
Fix 8 years	6.25%	15 years
	6.55%	10 years
	6.75%	8 years
Fix 10 years	6.75%	15 years
Fix 10 years	7.25%	10 years
Fix Rates & Cap	Purchase (eff.p.a)	Minimum Tenor
Fix 2 years	4.15%	10 years
Cap 3 years	6.15%	10 years
Fix 2 years	5.75%	5 years
Cap 3 years	7.75%	5 years
Fix Rates Berjenjang 8 years	Renovasi(eff.p.a)	Minimum Tenor
years ke 1 s/d 3	4.25%	8 years
years ke 4 s/d 6	7.55%
years ke 7 & 8	9.55%
Fix Rates Berjenjang 10 years	Renovasi(eff.p.a)	Minimum Tenor
years ke 1 s/d 3	4.25%	10 years
years ke 4 s/d 6	7.55%
years ke 7 s/d 10	9.55%
Fix Rates Berjenjang 15 years	Renovasi(eff.p.a)	Minimum Tenor
years ke 1 s/d 3	4.25%	15 years
years ke 4 s/d 6	7.55%
years ke 7 s/d 15	9.55%
Fix Rates Berjenjang 20 years	Renovasi(eff.p.a)	Minimum Tenor
years ke 1 s/d 3	4.25%	20 years
years ke 4 s/d 6	7.55%
years ke 7 s/d 20	9.55%

REGULER RATES (eff. p.a)

Fix Rates	Purchase (eff.p.a)	Refinancing
Fix 1 years	7.00%	8.00%
Fix 2 years	7.50%	8.50%
Fix 3 years	8.00%	9.00%
Fix 5 years	8.50%	9.50%
Fix Rates	Purchase (eff.p.a)	Refinancing
Fix 3 years	8.00%	9.00%
Cap 2 years	9.00%	10.00%

Notes :

Once the fix rate period ends, floating rates apply and are subject to periodic semester review
Loan Details above are simulation, not a loan approval
It is subject to administration fees, appraisal, life insurance, fire insurance, notary, and other fees included during a mortgage application. Fee details will be provided once the loan has been approved by the potential lender
Specifically for 8-year Fix & 10-year Fix, they apply for purchases only.
Valid from 1 August 2022

The current floating rates for KPR BCA is 11%.

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KPR BCA

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