BCA - KPA

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.

Register Online Download Form

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

Product	Initial Interest Rate	Period	Regular Interest Rate	Period	Remaining Interest
Fix 1 Year*	8.75%	1 year (12 months)	-	-	Floating
Fix 2 Year*	8.75%	2 years (24 months)	-	-	Floating
Fix 3 Years	8.50%	3 years (36 months)	-	-	Floating
Fix 5 Years	9.00%	5 years (60 months)	-	-	Floating
Fix & Cap	8.25%	3 years (36 months)	Maximum 10.00%	2 years (24 months)	Floating

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

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.

Conditions	Terms and Conditions
Applicant	Indonesian citizen, minimum 18 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.

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	-