Home financing solution for house, apartment, home office purchase in new or second condition.
Benefits
Penalty Free
Except for interest rates in Fix 3 years, 5 years, Fix & Cap term
Online
The submission process can be done online
Convenient
Loan Top Up with the same collateral as the first loan, as long as the LTV (Loan to Value) provision is still sufficient
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
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
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
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 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, Limit, and Interest Rates
Interest Rates Promo
Fix Rates
Refinancing (eff.p.a)
Minimum Tenor
Fix 3 years
4.85%
10 years
5.15%
8 years
5.85%
5 years
6.50%
3 years
Fix 5 years
5.85%
10 years
6.35%
8 years
6.65%
7 years
7.50%
5 years
Fix Rates
Refinancing (eff.p.a)
Minimum Tenor
Fix 2 years
5.15%
10 years
Cap 3 years
7.15%
Fix 2 years
6.75%
5 years
Cap 3 years
8.75%
Suku Bunga Fix Berjenjang 8 years
Refinancing (eff.p.a)
Minimum Tenor
years ke 1 s/d 3
5.25%
8 years
years ke 4 s/d 6
8.55%
years ke 7 s/d 8
10.55%
Suku Bunga Fix Berjenjang 10 years
Refinancing (eff.p.a)
Minimum Tenor
years ke 1 s/d 3
5.25%
10 years
years ke 4 s/d 6
8.55%
years ke 7 s/d 10
10.55%
Suku Bunga Fix Berjenjang 15 years
Refinancing (eff.p.a)
Minimum Tenor
years ke 1 s/d 3
5.25%
15 years
years ke 4 s/d 6
8.55%
years ke 7 s/d 15
10.55%
Suku Bunga Fix Berjenjang 20 years
Refinancing (eff.p.a)
Minimum Tenor
years ke 1 s/d 3
5.25%
20 years
years ke 4 s/d 6
8.55%
years ke 7 s/d 20
10.55%
REGULER RATES (eff. p.a)
Fix Rates
Refinancing
Fix 1 years
8.00%
Fix 2 years
8.50%
Fix 3 years
9.00%
Fix 5 years
9.50%
Fix Rates
Refinancing
Fix 3 years
9.00%
Cap 2 years
10.00%
Catatan :
After the fixed rate period ends, the applicable interest rate is a variable interest rate (floating) and is reviewed every 6 months.
After the Fix & Cap period ends, the applicable interest rate is a variable interest rate (floating) and is reviewed every 6 months.
Effective from: 1 September 2022
The current floating rates for KPR BCA is 11%.
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