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KPR Renovation

Easier to get the dream home

Why renovate your home with KPR BCA?

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

KPR Renovation

Solution for bigger house because of increasing family members or to create a new atmosphere at home

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

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 65 years when the credit ends for Professionals/entrepreneur
  • Maximum age of 55 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

  • Photocopy of the applicant's id card
  • Photocopy of Husband/Wife's id card
  • Photocopy of Marriage/Divorce/Death Certificate
  • Notaril asset separation deed and registered with KUA or civil registry (if any)
  • Photocopy of Family Card
  • Photocopy of the applicant's NPWP *)
  • Original Salary Slip/Income Certificate for the last 1 month *)
  • Photocopy of savings account transaction for the last 3 months *)
  • Original statement regarding property ownership credit or credit secured by property that is being proposed or owned
  • Proof of Appraisal Payment ***)
  • Photocopy of the applicant's id card
  • Photocopy of Husband/Wife's id card
  • Photocopy of Family Card
  • Photocopy of Marriage/Divorce/Death Certificate
  • Notaril asset separation deed and registered with KUA or civil registry (if any)
  • Photocopy of the applicant's NPWP *)
  • Photocopy of Business Entity NPWP **)
  • Photocopy of SIUP
  • Photocopy of TDP **)
  • Photocopy of Establishment Deed/Change Act **)
  • Photocopy of savings account transaction for the last 3 months *)
  • Original statement regarding property ownership credit or credit secured by property that is being proposed or owned
  • Proof of Appraisal Payment ***)
  • Photocopy of the applicant's id card
  • Photocopy of Husband/Wife's KTP
  • Photocopy of Family Card
  • Photocopy of Marriage/Divorce/Death Certificate
  • Notaril asset separation deed and registered with KUA or civil registry (if any)
  • Photocopy of the applicant's NPWP *)
  • Photocopy of Business Entity NPWP **)
  • Photocopy of License to Practice
  • Photocopy of savings account transaction for the last 3 months *)
  • Original statement regarding property ownership credit or credit secured by property that is being proposed or owned
  • Proof of Appraisal Payment ***)

Notes :

*) For husband and wife joint income, spouse's documents must be attached

**) For entrepreneurs with PT & CV legal entity

***) For branches that have implemented Appraisal payments in advance

Guarantee Document Requirements

  • Photocopy of Freehold Title/Cultivation Rights Title/ Strata Title
  • Photocopy of Building Permit
  • Photocopy of latest Property Tax (except for new property)
  • Photocopy of Deed of Sale and Purchase Land
  • Renovation Budget Details (if application is only for Renovation)

Note :

After the Fix interest period ends, the interest rate that will apply is the floating interest, in which the interest rate will vary according to the current interest rate. Changes in interest rates will affect the amount of installments that must be paid.

Fees, Limit, and Interest Rates


Promo Interest Rate (eff.p.a)

Promo Interest Rate (eff.p.a)

Interest Rate

Purchase

Refinancing / Renovation

Minimum Tenor

Fixed 3 th 5.75% 7.00% 3 Years
5.25% 6.50% 5 Years
4.80% 6.00% 7 Years
4.50% 5.80% 8 Years
Fixed 5 th 6.75% 8.00% 5 Years
6.25% 7.50% 7 Years
5.80% 7.15% 8 Years
5.75% 7.00% 10 Years

Fix & Cap

Purchase

Refinancing / Renovation

Minimum Tenor

Fix (2 Years) / Cap (3 Years) 5,75% / 7,75% 7,00% / 9,00% 5 Years
5,25% / 7,25% 6,50% / 8,50% 7 Years
4,90% / 6,90% 6,25% / 8,25% 8 Years
4,75% / 6,75% 5,75% / 7,75% 10 Years

Notes :

  • After the fixed rate/fix & cap period ends, the applicable interest rate is a variable interest rate (floating) and is reviewed every 6 months.

Regular Interest Rate (eff.p.a)

Interest Rate

Refinancing / Renovation

Fix 1 Years 8,00%
Fix 2 Years 8,50%
Fix 3 Years 9,00%
Fix 5 Years 9,50%

Fix & Cap

Refinancing / Renovation

Fix 3 Years 9,00%
Cap 2 Years 10,00%

Notes :

  • 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.

Get the Product

eForm
Apply for this product online
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BCA Branch
Find the nearest BCA branch to get this product or service
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Tracking KPR
Cek Status Pengajuan KPR Anda
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Find your house at Rumahsaya BCA

Simulation, online apply, approval tracking for home loan all in one place

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