Looking for a home but unsatisfied with regular loan facilities? KPR Xtra from BCA offers easy installments, prepared funds with unrestricted access, and flexible payment system. The journey towards your dream cannot be easier.
Enjoy Xtra services with easy installment and flexible payment system.
Choose the interest scheme that suits your future plans and comfort.
Find yourself in need of quick funds? Deposited KPR Xtra primary installments can be immediately withdrawn according to the your set ceiling.
Everything is extra with KPR Xtra BCA. Enjoy added benefits and start planning your future with confidence.
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: 50 y/o
Entrepreneur/professional: 55 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 KTP|
|2||Copy of spouse KTP|
|3||Copy of family record|
|4||Copy or marriage or divorce certificate|
|5||Copy of NPWP/annual tax record|
|6||Copy of SIUP||-||-|
|7||Copy of TDP*)||-||-|
|8||Copy of valid Deed of Establishment/Change*)||-||-|
|9||Copy of MOJ Ratification Deed*)||-||-|
|10||Copy of License Practice||-||-|
|11||Original salary slip or income declaration in the previous one month **)||-||-|
|12||Copy of savings account in the previous three months|
|13||Original statement/Recommendation from employer **)||-||-|
|14||Notarized separation deed and registered assets from KUA or civil records (if any)|
|15||Original statement of property mortgage or property-backed loans, existing and/or in progress|
Apartment Document Requirements
|No.||Document||New House/ Business/ Apartment||Used House/ Business/ Apartment||Refinancing / Renovation|
|1||Copy of HM/ HGB/ Strata Title certificate ***)|
|2||Copy of building permit|
|3||Copy of blueprint (if any)|
|4||Copy of Sale/Purchase Deed||-|
|5||Copy of previous L&B Tax record||-|
|6||Copy of Renovation Budget ****)||-||-|
*) For legal body/corporation only
**) For spouse joint income application, provide documents from both parties
***) For apartment refinancing application, certificate is under spouse name
****) For home renovation/improvement
Fill loan application form
Send to BCA along with required documents
BCA will process your application
BCA will announce result of application processing
Interested in applying for KPR Xtra? Apply online or download KPR Xtra application for to fill in and send to BCA along with the required documents.Apply Online Download Form