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.

Register Online Download Form

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).

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.

Fix and Cap: Combination that guarantees fixed interest rates

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

KPA Interest Rates
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
Terms and Conditions

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 -

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

KPA Application Process


Fill loan application form


Send to BCA along with required documents


BCA will process your application


BCA will announce result of application processing

Applying for KPA

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 Arrow Right Download Form
Article Recomendation
Transactions using the BCA are always #DibikinSimpel, including opening new savings account and other banking transaction at your fingertips.
In response to the latest situation on Covid-19 and the government’s instruction to extend the period of Work From Home,
During joint holiday that falls on 28 and 30 October 2020, all BCA offices are close.
Obtaining your dream car is no longer a fantasy and can be soon fulfilled.