Apartment Ownership Loan

Are you looking to live in the city with a modern lifestyle? Or would like to live in a safe, comfortable, and strategic apartment? Apartment Ownership Loan (KPA) BCA is here to make your dreams come true.

Apply now for a loan to purchase that dream apartment with light installments and easy payment.

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Know Your Needs

The best Apartment Ownership Loan (KPA) 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).

Simulasi

Fix 3 or 5 Years: Fixed Interest Rates

Enjoy fixed interest rates for the first 3 or 5 years to protect your finances from market fluctuations.

Simulasi

Fix and Cap: Combination that guarantees fixed interest rates

For five years, you will be guaranteed fixed maximum interest rate combination.

Simulasi

* Penalty-free for earlier partial or whole loan acquittal for Fix 1 year or 2 years interest rates

Benefits

• Provide low interest rates and easy installments
• Floating interest rate is relatively low and stable. Installments are easy to accommodate stabilized cash flow
• Penalty-free (except for Fix 3 years, 5 years, and Fix & Cap interest)
• Loan top up with the same collateral as the first loan is available, as long as LTV (Loan to Value) terms and conditions are still met
• Wide variety of collaborating development partners

There is always a way to make dreams come true. Get the funds to buy your dream apartment by fulfilling these easy requirements.

Document requirements

No.	Document	Employee	Entrepreneur	Professional
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	-

Note :

*) For legal body/corporation only

**) For spouse joint income application, provide documents from both parties

***) For apartment refinancing application, certificate is under spouse name

Interested in applying for KPA? Apply online or download KPA application for to fill in and send to BCA along with the required documents.

Apply Online

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