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KPR BCA Take Over

Get Lower Installments with BCA Mortgage Takeover

Various Choices

A curated range of competitive interest rate options

Affordable Installment

Enjoy lower installments with flexible tenor options

Under Control

Stay worry-free with stable, manageable interest rates

Top Up Your Loan Limit at The Same Time

Access additional funds to support your financial needs

KPR BCA Take Over

Get to Know the Product You Need to Know Promotions, Interest Rates & Fees Get the Product

KPR BCA Take Over

A financing solution that lets you transfer your existing mortgage from another bank—with the option to add extra credit—so you can enjoy a more flexible, tailored, and affordable plan.

Benefits

Competitive Interest Rates
A curated range of competitive interest rate options designed to suit your needs based on refinancing interest rates.
Practical
Top up your loan at once for additional needs using the same collateral, subject to LTV requirements.

Need to Know

General Requirements

  • The loan at the originating bank must be active for at least 2 years.
  • A satisfactory repayment history, evidenced by on-time installment payments for at least the previous 12 months.
  • Indonesian citizen.
  • For salaried employees, the applicant must have been employed for a minimum of one (1) year with the current employer or a total working experience of at least two (2) years.
  • Minimum applicant's age of 18 years or already married.
  • Maximum applicant's age at the time of loan maturity shall not exceed fifty-six (56) years.
  • Mandatory insurance coverage (life and fire) with a banker’s clause.
  • Willing to sign the credit agreement and APHT.
  • All payments regarding must be made via auto-debit from applicant's BCA account.

Required Personal and Supporting Documents

  • Copy of Applicant’s Identity Card (KTP).
  • Copy of spouse’s Identity Card (KTP) (if applicable).
  • Copy of Family Card (Kartu Keluarga).
  • Copy of Marriage Certificate, Divorce Certificate, or Death Certificate of spouse (as applicable).
  • Copy of Prenuptial Agreement and/or Marriage Agreement, duly registered with the Religious Affairs Office (KUA) or Civil Registry, where applicable.
  • Copy of Applicant’s Tax Identification Number (NPWP) a
  • Copy of the latest Salary Slip or Income Statement (covering the most recent (1) month) b
  • Copy of Bank Statements or Savings Account Statements for the last three (3) months b
  • Proof of Appraisal Fee Payment c

Property Documents

  • Copy of HM/HGB/HMSRS Certificate
  • Copy of Building Permit or Building Approval (PBG)
  • Copy of Latest PBB
  • Copy of AJB
  • Copy of Building Drawings (if any)

Note :

a) A married female debtor without separation of assets may use her husband’s NPWP
b) For join income (husband’s and wife ‘s income), the spouse’s documents must be attached
c) Especially for branches that have implemented appraisal payments in advance

General Requirements

  • The loan at the originating bank must be active for at least 2 years.
  • The Applicant must demonstrate a satisfactory repayment history, evidenced by on-time installment payments for at least one (1) year prior to the application date.
  • The Applicant must be an Indonesian citizen (Warga Negara Indonesia).
  • For self-employed Applicants, the business/activity must have been conducted for a minimum of two (2) years in the same field/industry.
  • The Applicant must be at least eighteen (18) years of age or legally married.
  • The Applicant's maximum age at the time of loan maturity shall not exceed sixty-six (66) years.
  • Mandatory insurance coverage (including life and fire insurance) with a banker’s clause.
  • To sign the credit agreement and the Deed of Granting Mortgage Rights (Akta Pemberian Hak Tanggungan / APHT).
  • All payments regarding must be made via auto-debit from applicant's BCA account.

Required Personal and Supporting Documents

  • Copy of Applicant’s Identity Card (KTP).
  • Copy of spouse’s Identity Card (KTP) (if applicable).
  • Copy of Family Card (Kartu Keluarga).
  • Copy of Marriage Certificate, Divorce Certificate, or Death Certificate of spouse (as applicable)
  • Copy of Prenuptial Agreement and/or Marriage Agreement, duly registered with the Religious Affairs Office (KUA) or Civil Registry, where applicable.
  • Copy of Applicant’s Tax Identification Number (NPWP) a
  • Copy of the Business Tax Identification Number (NPWP Badan Usaha) b
  • Copy of Business Identification Number (Nomor Induk Berusaha / NIB) or Trading/Business License (TDP) b
  • Copy of the Deed of Establishment and its latest amendments (for business entities) b
  • Copy of Bank Statements or Savings Account Statements from three (3) months prior c
  • Proof of Appraisal Fee Payment d

Property Documents

  • Copy of HM/HGB/HMSRS Certificate
  • Copy of Building Permit or Building Approval (PBG)
  • Copy of Latest PBB
  • Copy of AJB
  • Copy of Building Drawings (if any)

Note :

a) A married female debtor without separation of assets may use her husband’s NPWP
b) Especially for businesses in the form of PT / CV legal entities
c) For join income (husband’s and wife ‘s income), the spouse’s documents must be attached
d) Especially for branches that have implemented appraisal payments in advance

General Requirements

  • The loan at the originating bank must be active for at least 2 years.
  • The Applicant must demonstrate a satisfactory repayment history, evidenced by on-time installment payments for at least one (1) year prior to the application date.
  • The Applicant must be an Indonesian citizen (Warga Negara Indonesia).
  • For self-employed Applicants, the business/activity must have been conducted for a minimum of two (2) years in the same field/industry.
  • The Applicant must be at least eighteen (18) years of age or legally married.
  • The Applicant's maximum age at the time of loan maturity shall not exceed sixty-six (66) years.
  • Mandatory insurance coverage (including life and fire insurance) with a banker’s clause.
  • To sign the credit agreement and the Deed of Granting Mortgage Rights (Akta Pemberian Hak Tanggungan / APHT).
  • All payments regarding must be made via auto-debit from applicant's BCA account.

Required Personal and Supporting Documents

  • Copy of Applicant’s Identity Card (KTP).
  • Copy of spouse’s Identity Card (KTP) (if applicable).
  • Copy of Family Card (Kartu Keluarga).
  • Copy of Marriage Certificate, Divorce Certificate, or Death Certificate of spouse (as applicable)
  • Copy of Prenuptial Agreement and/or Marriage Agreement, duly registered with the Religious Affairs Office (KUA) or Civil Registry, where applicable.
  • Copy of Applicant’s Tax Identification Number (NPWP) a
  • Copy of the Business Tax Identification Number (NPWP Badan Usaha) b
  • Copy of Business Identification Number (Nomor Induk Berusaha / NIB) or Trading/Business License (TDP) b
  • Copy of the Deed of Establishment and its latest amendments (for business entities) b
  • Copy of Bank Statements or Savings Account Statements from three (3) months prior c
  • Proof of Appraisal Fee Payment d

Property Documents

  • Copy of HM/HGB/HMSRS Certificate
  • Copy of Building Permit or Building Approval (PBG)
  • Copy of Latest PBB
  • Copy of AJB
  • Copy of Building Drawings (if any)

Note :

a) A married female debtor without separation of assets may use her husband’s NPWP.
b) Especially for businesses in the form of PT / CV legal entities.
c) For join income (husband’s and wife ‘s income), the spouse’s documents must be attached.
d) Especially for branches that have implemented appraisal payments in advance.

Main Features of BCA Mortgage Take Over, Benefit, Risks, and Additional Information

Key Features of KPR BCA Take Over

  • Available in a single currency, namely Indonesian Rupiah (IDR).
  • Competitive interest rates, with annual effective rates applied in accordance with prevailing policies of the Bank.
  • Monthly installment payments shall be made via automatic debit (auto-debit) from an agreed account, either savings account or current account (giro)

Benefit

  • Top-up your loan at once.
  • Access to a range of competitive interest rate options.
  • Loan tenure of up to twenty (20) years.
  • Competitive interest rates combined with simplified requirements.
  • More stable floating interest rate.
  • Interest rate certainty for up to ten (10) years, depending on the selected scheme.

Risk

Risk

  • In the event of default (wanprestasi), any additional costs arising therefrom shall be borne by the Debtor.
  • In the event the loan becomes non-performing, the collateral will be taken over by PT Bank Central Asia Tbk.

Simulation 1):

  1. Loan Type : KPR BCA (Mortgage) - Refinancing
  2. Loan Limit : IDR1,000,000,000
  3. Loan Tenure : 240 months
  4. Collateral Type : Residential house
  5. Interest Rate : 6.25% p.a effective (valid for the first 3 (three) years, then reviewed every 6 months)
  6. Installment Details : IDR7.309.282,02 per month
  7. Late Payment Penalty : 0.2% per day
  8. Provision Fee : IDR10,000,000.00
  9. Administration Fee : IDR500,000,00
  10. Appraisal Fee : IDR1,500,000.00
Principal Loan Amount Estimated Total Application Costs & Incidental Fees 2) Total Interest (over loan tenure) 3) Total Amount Payable by Customer 4)
IDR1,000,000,000.00 IDR12,000,000.00 IDR1,293,638,313.75 IDR2,305,638,313.75

Note:

  1. This simulation is provided solely as an illustrative example and is intended for reference purposes only. It is not constitute any form of recommendation or advice.
  2. The incidental costs referenced include provision fees, administration fees, and appraisal fees. Such costs do not include life insurance premiums, property insurance premiums, notary fees, as well as other costs, that shall form part of the total financing cost under the KPR BCA Take Over facility.
  3. The floating interest rate assumption after fixed rate used in calculation is 11%.
  4. The total costs payable by the Consumer comprises the principal loan amount, total interest over the loan tenure, and all applicable fees and charges.

Additional Information

  • Any changes in the applicable interest rate shall affect the monthly installment.
  • The Debtor may receive offers for other products and/or services from third party partners of the Bank, provided that the Debtor has given prior consent for the disclosure of data to such third parties.
  • The Debtor may receive offers for products and/or services from the Bank and/or third-party partners of the Bank via personal communication channels, subject to the Debtor’s prior consent to receive such offers.
  • The Bank reserves the right to amend the benefits, fees, risks, and terms and conditions of this product and/or service. Any such changes shall be communicated by the Bank through appropriate channels in accordance with applicable regulations. Notification of such changes shall be provided no later than thirty (30) working days prior to the effective date of the changes.
  • For early repayment or full settlement of the KPR BCA facility, the Debtor shall be required to provide sufficient funds in Debtor's account to cover the outstanding principal, interest, and applicable fees.
  • You may follow the status of your KPR application through the tracking feature provided.

Promotions, Interest Rates & Fees

Interest Rates

PROMO RATE (eff. p.a)

Fixed Rate Refinancing (eff.p.a) Minimum Tenure (year)
3-year fixed 5.39% 12
6.00% 8
6.49% 5
7.89% 3
5-year fixed 6.40% 12
7.09% 10
8.09% 5
Fix & Cap Rate Refinancing (eff.p.a)  Minimum Tenure (year) 
2-year fixed 5.40% 10
3-year cap 8.49%
2-year fixed 7.69% 5
3-year cap 9.49%
Tiered Fixed Rate 8 Years Refinancing (eff.p.a) Minimum Tenure (year)
1st to 3rd Year 5.39% 8
4th to 6th Year 8.99%
7th to 8th Year 10.99%
Tiered Fixed Rate 10 Years Refinancing (eff.p.a) Minimum Tenure (year)
1st to 3rd Year 5.39% 10
4th to 6th Year 8.99%
7th to 10th Year 10.99%
Tiered Fixed Rate 10 Years Refinancing (eff.p.a) Minimum Tenure (year)
1st Year 4.89% 10
2nd to 3rd year 6.99%
4th to 6th Year 8.99%
7th to 10th Year 10.99%

STANDARD RATE (eff. p.a)

Fixed Rates Refinancing

Fixed 1 years

8.00%

Fixed 2 years

8.50%

Fixed 3 years

9.00%

Fixed 5 years

9.50%
Fix Rates & Cap Refinancing

Fixed 3 years

9.00%

Cap 2 years

10.00%

Note :

  • Once the fix rate period ends, floating rates apply and are subject to periodic semester review
  • Loan Details above are simulation, not a loan approval
  • It is subject to administration fees, appraisal, life insurance, fire insurance, notary, and other fees included during a mortgage application. Fee details will be provided once the loan has been approved by the potential lender
  • Valid until July 31, 2026

The current floating rates for KPR BCA is 11%.

Fees

LOAN APPLICATION FEE PROMOTION

  • Provision Fee: 0.25% of the credit limit
  • Free Administration Fee

LOAN APPLICATION FEE

  • Appraisal Fee: IDR1,100,000 to IDR1,500,000
  • Collateral Binding Fee: according to notary's invoice

INCIDENTAL COSTS INCURRED

  • Life insurance fee: according to confirmation of the insurance company
  • Loss Insurance Costs: according to the results of the building inspection
  • Fine: 0.2% per day of delay in unpaid installments
  • Accelerated settlement fee: according to the provisions
  • Royal Admin Fee (HT-el): IDR500,000

Notes:

  • The above fee provisions may apply at any time in accordance with Bank policy subject to prior notification to customers.
  • Provision Fee & Administration Fee Promo valid until December 31, 2026

Get the Service

eForm
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BCA Branch Office
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Mortgage Tracking
Check Your Mortgage Application Status
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Attractive Promo
Get information on attractive BCA KPR Take Over promotions
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Installment Simulation
Check installments by referring to the BCA mortgage refinancing interest rate
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