Vehicle Ownership Loan

To comply all customers need, BCA applies competitive cost and limit rate on every product and service. Find each product and service cost & limit rate below:

Fix & Cap (New Car)

Fix & Cap 5 Years (% Flat p.a)
(% Flat p.a)
Fix & Cap 6 Years (% Flat p.a)
(% Flat p.a)
Fix 3 Years Cap 2 Years Fix 4 Years Cap 2 Years
5.60% 7.00% 6.10% 7.15%

Notes:
- Only for new car purchase
- Effective from from: 1 Nov 2020

Passenger New Car

Tenor Reguler (% Flat p.a)
1 2 3 4 5
2.99% 3.49% 3.69% 4.29% 7.25%

Notes:
- Only for new car purchase
- Effective from : 1 Nov 2020

Used and Refinancing

Used Tenor (% Flat p.a)
1 2 3 4
6.25% 6.50% 6.75% 7.00%



Refinancing Vehicle Year Tenor (% Flat p.a)
≥ 2017 1 2 3 4
6.00% 6.25% 6.50% 6.75%
Manufacture Year ≥ 2017 (IN 2020 Aplication)         
2011 − 2016 1 2 3 4
6.25% 6.50% 6.75% 7.00%
Manufacture Year 2011 − 2016 (IN 2020 Aplication) 
< 2011 1 2 3 4
6.50% 6.75% 7.00% 7.25%
Manufacture Year < 2011 (IN 2020 Aplication) 

Notes:
- Effective from: 1 Nov 2020

Pure DP and Provision

Condition Pure DP Provision (IDR)
New car  30% -
Used car / Refinancing - Regular model 30% 750,000

Effective from 1 Nov 2020

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