• Home Ownership Loan Xtra

    Get benefits of Home Ownership Loan Xtra, xtra light installment with xtra flexible loan period

Home Ownership Loan XTRA

Looking for a home but unsatisfied with regular loan facilities? KPR Xtra from BCA offers easy installments, prepared funds with unrestricted access, and flexible payment system. The journey towards your dream cannot be easier.

Payment Flexibility from KPR Xtra

Enjoy Xtra services with easy installment and flexible payment system.

Flexible interest

Choose the interest scheme that suits your future plans and comfort.


Prepared Funds

Find yourself in need of quick funds? Deposited KPR Xtra primary installments can be immediately withdrawn according to the your set ceiling.


Everything is extra with KPR Xtra BCA. Enjoy added benefits and start planning your future with confidence.

  • • Flexible insurance
  • • Deposited installments can be withdrawn in accordance to your pre-determined ceiling
  • • Low interest rates for easy installments
  • • Low floating interest rate , for smooth cash flow management
  • • Penalty-free for early partial/complete loan acquittal for Fix 1-2 Year plan
  • • Loan top up with the same collateral is available, as long as LTV (Loan to Value) terms and conditions are still met
Terms and Conditions

There is always a way to make dreams come true. Get the funds to buy your dream home 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: 50 y/o
Entrepreneur/professional: 55 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 -
6 Copy of Renovation Budget ****) - -

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

****) For home renovation/improvement

KPR Xtra 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 KPR Xtra

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

Apply Online  Download Form 

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