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.
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