Get benefits from Apartment Ownership Loan, light installments and flexible loan period
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.
Enjoy fixed interest for the first 1-2 years and skip the penalty when you pay the whole thing (partial/complete).
Enjoy fixed interest rates for the first 3 or 5 years to protect your finances from market fluctuations.
For five years, you will be guaranteed fixed maximum interest rate combination.
| 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
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 |  |
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| 2 | Copy of spouse KTP | |
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| 3 | Copy of family record | |
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| 4 | Copy or marriage or divorce certificate | |
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| 5 | Copy of NPWP/annual tax record | |
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| 6 | Copy of SIUP | - | |
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| 7 | Copy of TDP*) | - | |
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| 8 | Copy of valid Deed of Establishment/Change*) | - | |
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| 9 | Copy of MOJ Ratification Deed*) | - | |
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| 10 | Copy of License Practice | - | - | |
| 11 | Original salary slip or income declaration in the previous one month **) | |
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| 12 | Copy of savings account in the previous three months | |
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| 13 | Original statement/Recommendation from employer **) | |
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| 14 | Notarized separation deed and registered assets from KUA or civil records (if any) | |
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| 15 | Original statement of property mortgage or property-backed loans, existing and/or in progress | |
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Apartment Document Requirements
| No. | Document | New House/ Business/ Apartment | Used House/ Business/ Apartment | Refinancing / Renovation |
| 1 | Copy of HM/ HGB/ Strata Title certificate ***) | |
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| 2 | Copy of building permit | |
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| 3 | Copy of blueprint (if any) | |
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| 4 | Copy of Sale/Purchase Deed | - | |
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| 5 | Copy of previous L&B Tax record | - | |
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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
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 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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