The best Home Ownership Loan (KPR) is one that provides the best solution according to your needs. Identify your needs and choose the right plan for your.
FIX 1-2 Year(s): No Acquittal Penalty
Enjoy fixed interest for the first 1-2 years and skip the penalty when you pay the whole thing (partial/complete).
Fix 3 or 5 Years: Fixed Interest Rates
Enjoy fixed interest rates for the first 5 years to protect your finances from market fluctuations. Once your FIX period expires, BCA will continue to ensure your interest remain stable.
Fix and Cap: Combination that guarantees fixed interest rates
For five years, you will be guaranteed fixed maximum interest rate combination.
|Product||Initial Interest Rate||Fix Period||Cap Period|
|Fix 1 Year**||8,75%||1 year (12 months)||-|
|Fix 2 Year*||8,75%||2 years (24 months)||-|
|Fix 3 Years||8,50%||3 years (36 months)||-|
|Fix 5 Years||9,00%||5 years (60 months)||-|
|FIX & CAP||8,25% (Fix)
|3 years (36 months)||2 years (24 months)|
*Penalty-free for earlier partial or whole loan acquittal for Fix 1 year or 2 years interest rates
There is always a way to make dreams come true. Get the funds to buy your dream home by fulfilling these easy requirements.
|Conditions||Terms and Conditions|
|Applicant||Indonesian citizen, minimum 21 y/o or married, full time employment, entrepreneur, or professional|
|Length of employment/business||Employee
Length of employment: minimum one year with previous employer or total work experience of two years.
Entrepreneur and professional
Length of business experience: minimum two years (in the same field).
|Maximum age when loan period expires||Employee: 55 y/o.
Entrepreneur/professional: 65 y/o.
|Installment amount||Installment calculated from gross income (spousal income may be combined)|
|Insurance||Must include life and fire insurance with banker’s clause conditions|
|Agreement||Willing to sign loan agreement and Imposition Mortgage Deed (APHT or Akta Pembebanan Hak Tanggungan).|
|Payment||Installments automatically debited from BCA account.|
|1.||Copy of applicant’s ID|
|2.||Copy of spouse ID|
|3.||Copy of Family Registration Card|
|4.||Copy of Marriage Certificate|
|5.||Copy of Applicant’s Tax ID *)|
|6.||Copy of Annual Income Tax Report|
|7.||Copy of Business License||-||-|
|8.||Copy of Business Registration **)||-||-|
|9.||Copy of Company Establishment Deed / Amendment **)||-||-|
|10.||Copy of Ministry of Justice approval Deed **)||-||-|
|11.||Copy of Operation License||-||-|
|12.||Original Pay Stub /Letter of Income Information (recent month) *)||-||-|
|13.||Copy checking account or last 3 months saving account *)|
|14.||Company’s Recommendation Letter||-||-|
|15.||Notarial Deed of Prenuptial Agreement, registered with the KUA (Office of Religious Affairs) or the Civil Registry Office (if any)|
|16.||Original copy of statement of any home loan or asset-backed loan facility, whether now in existence or currently in the application process.|
House Document Requirements
|Purchasing||Renovation||Another Consumption Need|
|1||Copy of Home Title Certificate / Building Use Rights.||V||V||V|
|2||Copy of Building Construction License.||V||V||V|
|3||Copy of latest Property Tax (Except for new property).||V||V||V|
|4||Renovation breakdown expenses plan.||-||V||-|
*) For joint income document, couple’s document must be enclosed.
**) Only for PT (Limited Liability Company) business owner
Do you wish to have a home but worry about finances? BCA offers credit loan facility Home Ownership Loan (KPR) BCA, a financing solution to help you purchase new or used home or a business. KPR BCA also supports your home renovation needs.Apply Online Download Form KPR Simulation