Back to Kredit Kendaraan Bermotor

KKB Refinancing

Convenience in getting your dream vehicle

Why Buying your car with Refinancing BCA?

Large Amount

Get the large amount of disbursement funds

Easy Requirements

Simple application requirement with relatively quick approval process

Fixed Amount

Free from an increase in the number of installments because the installments are mild and the amount is fixed

KKB Refinancing

KKB Refinancing

Financing solution alternative using BPKB as a guarantee for various needs of funding.

Benefits


Competitive Rate
With flat and fixed interest rate, the installment amount will not change at the certain time during the loan period
Convenient
Monthly installment will be automatically debited directly from the BCA account
Safe
Guaranteed security for BPKB deposit at BCA during the loan period

Important Information

Requirements


  • Indonesian citizens
  • Permanent Employees/Entrepreneurs/Professionals/Companies
  • Minimum 2 years employment (permanent)
  • Minimum age 21 years or married
  • Maximum age of 64 years when the credit ends
  • The vehicle must be insured through KKB BCA
  • Comprehensive insurance for the first year and at least TLO for the following year (except TLO commercial vehicles during the credit period)
  • Payment via auto debit

Document Requirements

  • Photocopy of the applicant's KTP
  • Photocopy of Husband/Wife's KTP, Family Card, Marriage/Divorce Certificate
  • Photocopy of home ownership certificate/AJB a.n. customer
  • Photocopy of BCA Savings Account & Current Account for the last 3 months
  • Salary slip for the last 1 month or authorized income letter
  • Photocopy of STNK and BPKB (for Refinancing)
  • Photocopy of the applicant's KTP
  • Photocopy of Husband/Wife's KTP, Family Card, Marriage/Divorce Certificate
  • Photocopy of home ownership certificate/AJB a.n. customer
  • Photocopy of BCA Savings Account & Current Account for the last 3 months
  • Photocopy of NPWP
  • Photocopy of SIUP
  • Photocopy of Practice License (for Professional)
  • Photocopy of STNK and BPKB (for Refinancing)
  • Photocopy of current/savings account for the last 3 months
  • Photocopy of NPWP
  • Photocopy of SIUP
  • Photocopy of TDP
  • Photocopy of Deed of Establishment and Amendment, Ratification Deed of the Minister of Finance
  • Photocopy of Residence Statement
  • Photocopy of Financial Statements for the last 2 years
  • Complete Management KTP
  • Photocopy of STNK and BPKB (For Refinancing)

Note :

If late payment of installments occured, fine will apply as stated in the Financing Agreement that has been signed by the Consumer

Fees, Limits and Rates 


Model Reguler
Mobil Bekas
Tenor (% Flat p.a)
1 2 3 4
6,25% 6,50% 6,75% 7,00%

 

Model Reguler
Refinancing
Tahun Kendaraan Tenor (% Flat p.a)
≥ 2018 1 2 3 4
6,00% 6,25% 6,50% 6,75%

2012 − 2017 1 2 3 4
6,25% 6,50% 6,75% 7,00%

< 2012 1 2 3 4
6,50% 6,75% 7,00% 7,25%

Keterangan:

- Berlaku mulai: Maret 2021


DP Murni dan Provisi

Kondisi DP Murni Provisi (Rp)
Mobil Baru*/ 20% 1%
Mobil Bekas / Refinancing  30% 1%

Khusus nasabah Prioritas / Solitaire / Debitur Kredit Produktif, untuk pembelian Mobil Baru bebas provisi, Mobil Bekas/Refinancing provisi Rp 750.000

Berlaku mulai: Maret 2021


Get the Product

eForm
Apply this product or service online anytime anywhere
More Info
BCA Branch
Find the nearest BCA branch to get this product or service
More Info