Buy Residential

As a bank that understands the needs of its customers, BCA provides financing solutions for those who want to realize their dream of owning their own home.

To facilitate you in financing realistic monthly installments, we provide a specific type of installment option, tailored to your own needs through what we call stay Flexible Installments.



Fixed Installments

Fixed Installment benefits:

  • Certainty of monthly installments
  • Ease of managing home finances
Choice of interest rate:
  • Fixed first year
  • Fixed first 2 years
  • Fix'n'Cap, with a 5 year rate
Benefits of fixed rate of 1 or 2 years:
  • Provides certainty of interest rates during the first 1 or 2 years.
  • Once the fixed rate period expires, interest will revert to a floating interest rate which will be reviewed at regular intervals until the mortgage is paid off.
  • Free of any penalty for early repayment.
Tips:
  • Note also the stability of the applicable floating rate.
  • With low and stable floating interest rates, you will have more certainty in future payment obligation.
Fix'n'Cap Interest Benefits
  • Certainty of installment payments, up to 5 years.
  • Safe as it provides a fixed interest rate for the first 3 years, with the next two years subject to floating interest rate, which will not exceed a maximum specified limit.
  • Once the Cap'n'Fix rate expires, a floating interest rate will apply that all be reviewed at regular intervals until the mortgage is repaid.
Tips:
  • Note the stability of the applicable floating rate.
  • The lower and stable interest rates floating, the safest, comfortable, and efficient you will be.

KPR FIX n CAP

Flexible installments

Flexible Installment Benefits:

  • Flexibility in determining the amount of monthly installments..
  • The ability to withdraw funds from the installment principal already paid.

Choice of interest rate:

  • Fixed first year
  • Fixed first 2 years
When you need flexible installment payments, the Xtra mortgage products will meet your needs.