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KPR Refinancing

Easier to get the dream home

Why KPR Refinancing?

Various Options

Buying a house is easier with a large choice of interest rates, features, developer, and property agent

Light Installments

Installing a house is no longer a burden because of the light and stable installments

Under Control

No need to worry about Fix and Cap interest rates rising dramatically that causes installments to become heavy

KPR Refinancing

About Important Information Fees, Limits, & Rates Get the Product

KPR BCA Refinancing

Home financing solution for house, apartment, home office purchase in new or second condition.

Benefits


Penalty Free
Except for interest rates in Fix 3 years, 5 years, Fix & Cap term
Online
The submission process can be done online
Convenient
Loan Top Up with the same collateral as the first loan, as long as the LTV (Loan to Value) provision is still sufficient

Important Information

General Requirements

  • Indonesian citizens
  • Permanent Employees with minimum 1 year employment at the same company or 2 years total employment
  • Professionals/entrepreneur with minimum 2 years employment at the same field
  • Minimum age 18 years or married
  • Maximum age of 66 years when the credit ends for Professionals/entrepreneur
  • Maximum age of 56 years when the credit ends for Permanent Employees
  • The applicant is obliged to cover insurance (life and fire) with the condition of the banker's clause
  • Willing to sign a credit agreement and APHT (Liability Charge Act)
  • Auto debit payment from the applicant's BCA account

Document Requirements

Work Type

Personal Documents

  • Copy of Applicant’s ID Card
  • Copy of spouse’s ID Card
  • Copy of Marriage Certificate/Divorce Certificate/Spouse Death Certificate
  • Copy of Notarial Asset Separation Deed and registered with KUA or civil registry (if any)
  • Copy of Family Card
  • Copy of Applicant’s NPWP ᵅ
  • Copy of Salary Slip/Certificate of Income for the last 1-month ᵇ
  • Copy of Bank Statement/Savings for at least the last 3 months ᵇ
  • Proof of appraisal payment c

Property Documents

  • Copy of HM/HGB/HMSRS Certificated
  • Copy of IMB
  • Copy of the latest PBB when signing the PK
  • Copy of Deed of Sale and Purchase (AJB)e

Remarks:

) Borrower with wife status not separated by assets can use the husband’s NPWP

ᵇ) If joint income (husband/wife income is combined), the spouse’s document must be attached

c) Especially for branches that have implemented appraisal payment in advance

d) The HM/HGB/HMSRS as collateral documents must be in the name of prospective borrowers or spouse

e) Non-Developer only

Personal Documents

  • Copy of Applicant’s ID Card
  • Copy of spouse’s ID Card
  • Copy of Marriage Certificate/Divorce Certificate/Spouse Death Certificate
  • Copy of Notarial Asset Separation Deed and registered with KUA or civil registry (if any)
  • Copy of Family Card
  • Copy of Applicant’s NPWP ᵅ
  • Copy of NPWP for Business Entity
  • Copy of TDP/NIB ᵇ
  • Copy of Deed of Establishment/Current Amendment b
  • Copy of Bank Statements/Savings Account for at least the last 3 months c
  • Proof of appraisal payment d

Property Documents

  • Copy of HM/HGB/HMSRS Certificatee
  • Copy of IMB
  • Copy of the latest PBB when signing the PK
  • Copy of Deed of Sale and Purchase (AJB)f

Remarks:

) Borrower with wife status not separated by assets can use the husband’s NPWP

ᵇ) Especially for businesses in the form of PT & CV legal entities

ᶜ) If joint income (husband/wife income is combined), the spouse documents must be attached

d) Especially for branches that have implemented appraisal payment in advance

e) The HM/HGB/HMSRS as collateral documents must be in the name of prospective borrowers or spouse

f) Non-Developer Only

Personal Documents

  • Copy of Applicant’s ID Card
  • Copy of spouse’s ID Card
  • Copy of Marriage Certificate/Divorce Certificate/Spouse Death Certificate
  • Copy of Notarial Asset Separation Deed and registered with KUA or civil registry (if any)
  • Copy of Family Card
  • Copy of Applicant’s NPWP ᵅ
  • Copy of NPWP for Business Entity b
  • Copy of Practice License
  • Copy of Bank Statements/Savings Account for at least the last 3 months c
  • Proof of appraisal payment d

Property Documents

  • Copy of HM/HGB/HMSRS Certificate e
  • Copy of IMB
  • Copy of the latest PBB when signing the PK
  • Copy of Deed of Sale and Purchase (AJB) f

Remarks:

) Borrower with wife status not separated by assets can use the husband’s NPWP

ᵇ) Especially for businesses in the form of PT & CV legal entities

ᶜ) If joint income (husband/wife income is combined), the spouse documents must be attached

d) Especially for branches that have implemented appraisal payment in advance

e) The HM/HGB/HMSRS as collateral documents must be in the name of prospective borrowers or spouse

f) Non-Developer Only

Fees, Limit, and Interest Rates


Interest Rates Promo

Fix Rates Refinancing
(eff.p.a)
Minimum Tenor
Fix 3 years 4.70% 12 years
4.90% 10 years
5.20% 8 years
5.90% 5 years
6.65% 3 years
Fix 5 years 5.70% 12 years
6.00% 10 years
6.50% 8 years
6.70% 7 years
7.60% 5 years
Fix Ratesx & Cap Refinancing
(eff,p,a)
Minimum Tenor
Fix 2 years 4.75% 10 years
Cap 3 years 7.75%
Fix 2 years 6.90% 5 years
Cap 3 years 8.90%
Fix Rates Berjenjang
8 years
Refinancing
(eff.p.a)
Minimum Tenor
Years 1 to 3 5.30% 8 years
Years 4 to 6 8.60%
Years 7 to 8 10.60%
Fix Rates Berjenjang
10 years
Refinancing
(eff.p.a)
Minimum Tenor
Years 1 to 3 5.30% 10 years
Years 4 to 6 8.60%
Years 7 to 10 10.60%
Fix Rates Berjenjang
10 years
Refinancing
(eff.p.a)
Minimum Tenor
1st year 3.75% 10 years
Years 2 to 3 6.35%
Years 4 to 6 8.75%
Years 7 to 10 10.65%

REGULER RATES (eff. p.a)

Fix Rates Refinancing

Fix 1 years

8,00%

Fix 2 years

8,50%

Fix 3 years

9,00%

Fix 5 years

9,50%

Fix Rates Refinancing

Fix 3 years

9,00%

Cap 2 years

10,00%

Catatan :

  • After the fixed rate period ends, the applicable interest rate is a variable interest rate (floating) and is reviewed every 6 months.
  • After the Fix & Cap period ends, the applicable interest rate is a variable interest rate (floating) and is reviewed every 6 months.
  • Valid until 31 December 2023

The current floating rates for KPR BCA is 11%.

 

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