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KPR Sejahtera BCA

Affordable installments for a more prosperous life

Why buying your first home with KPR Sejahtera BCA?

Low Down Payment

Starting from 1% of the loan amount

Affordable & fixed installments

Stable payments until the end of the term

More affordable mortgage fees

Provision fee only 0.5% of the loan amount

KPR Sejahtera (Affordable Home Purchase Loan)

About Important Information Promos, Rates & Fees Get the Product

KPR Sejahtera BCA

Affordable Home financing solution for Landed house and residental apartement purchase in new condition

Benefits

Fixed interest rate
Ensures certainty of monthly payments because the interest rate does not change
Flexible loan terms
Allows you to choose the loan term and installment amount to suit your financial capacity
Reliable and convenient
A secure, easy, and transparent application process that provides certainty and comfort from the start

Important Information

General Requirements

  • Indonesian Citizens
  • Employees with minimum 1 year employment at the same company or 2 years total employment
  • Minimum age 21 years or married
  • Maximum age of 56 years when the credit ends for Permanent Employees
  • Willing to sign a credit agreement and APHT (Liability Charge Act)
  • Auto debit payment from the applicant's BCA account
  • Have never owned any property and subsidized property before
  • Meet the eligibility requirements to receive housing subsidies for Low-Income Communities (MBR) in accordance with government regulations

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 a
  • Salary Slip/Income Letter for the last 1-month b
  • Employment Letter b
  • Copy of Bank Statement/Savings for at least the last 3 months b
  • Applicant's Declaration Letter c
  • Domicile Letter d
  • LTV Statement

Property Documents

  • Home Purchase Order Letter
  • Copy of HM/HGB/HMSRS Certificate (if any)
  • Copy of IMB / PBG (if any)
  • Copy of the latest PBB (if any)

Remarks :

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

b) If spouse working, the spouse’s document must be attached

c) Contains a statement declaring that the applicant does not own any property, has never received a subsidized property before, will occupy the house, and meets the income requirements – signed by the local village office

d) A domicile letter issued by the local village office in accordance with the applicant's current residence, required if the address on the ID card differs from the property or collateral location

General Requirements

  • Indonesian Citizens
  • Professionals/entrepreneur with minimum 2 years employment at the same field
  • Minimum age 21 years or married
  • Maximum age of 66 years when the credit ends for Professionals/entrepreneur
  • Willing to sign a credit agreement and APHT (Liability Charge Act)
  • Auto debit payment from the applicant's BCA account
  • Have never owned any property and subsidized property before
  • Meet the eligibility requirements to receive housing subsidies for Low-Income Communities (MBR) in accordance with government regulations

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 a
  • Copy of NPWP for Business Entity b
  • Copy of SIUP b
  • Copy of TDP/NIB b
  • Copy of Deed of Establishment/Current Amendmentb
  • Copy of Bank Statement/Savings for at least the last 3 months c
  • Applicant's Declaration Letter d
  • Domicile Letter e
  • LTV Statement

Property Documents

  • Home Purchase Order Letter
  • Copy of HM/HGB/HMSRS Certificate (if any)
  • Copy of IMB / PBG (if any)
  • Copy of the latest PBB (if any)

Remarks :

a) 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 spouse working, the spouse documents must be attached
d) Contains a statement declaring that the applicant does not own any property, has never received a subsidized property before, will occupy the house, and meets the income requirements – signed by the local village office
e ) A domicile letter issued by the local village office in accordance with the applicant's current residence, required if the address on the ID card differs from the property or collateral location

General Requirements

  • Indonesian Citizens
  • Professionals/entrepreneur with minimum 2 years employment at the same field
  • Minimum age 21 years or married
  • Maximum age of 66 years when the credit ends for Professionals/entrepreneur
  • Willing to sign a credit agreement and APHT (Liability Charge Act)
  • Auto debit payment from the applicant's BCA account
  • Have never owned any property and subsidized property before
  • Meet the eligibility requirements to receive housing subsidies for Low-Income Communities (MBR) in accordance with government regulations

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 a
  • Copy of NPWP for Business Entity b
  • Copy of Practice License
  • Copy of Bank Statement/Savings for at least the last 3 months c
  • Applicant's Declaration Letter d
  • Domicile Letter e
  • LTV Statement

Property Documents

  • Home Purchase Order Letter
  • Copy of HM/HGB/HMSRS Certificate (if any)
  • Copy of IMB / PBG (if any)
  • Copy of the latest PBB (if any)

Remarks :

a) 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 spouse working, the spouse documents must be attached
d) Contains a statement declaring that the applicant does not own any property, has never received a subsidized property before, will occupy the house, and meets the income requirements – signed by the local village office
e) A domicile letter issued by the local village office in accordance with the applicant's current residence, required if the address on the ID card differs from the property or collateral location

Main Features, Benefits, Risks, and Additional Information (for Affordable Home Purchase Loan)

Main Features of BCA Affordable Home Purchase Loan

  • Maximum financing is 100% of the collateral value (without down payment)
  • Available in one currency: Indonesian Rupiah (IDR)
  • Loan amount up to IDR 50 million, with a maximum collateral value determined according to government regulations
  • Monthly installment payments are automatically debited from the agreed savings or current account
  • Fixed interest rate of 5.00% throughout the loan tenure

Benefit

  • Enables customers to own a home with flexible loan tenures and a fixed interest rate
  • Loan tenure available for up to 20 years
  • Simple requirements for application
  • In collaboration with many reputable property developers

Risks

  • In the event of default, any additional charges incurred will be borne by the borrower
  • If the borrower fails to repay the loan, the collateral property will be taken over by PT Bank Central Asia Tbk

Simulation 1):

  1. Loan Type : BCA Affordable Home Purchase Loan (KPR Sejahtera BCA)
  2. Credit Limit : IDR185,000,000.00
  3. Tenure : 240 months
  4. Collateral Type: Landed House
  5. Interest Rate : 5,00 % p.a. effective (fixed for the entire loan period)
  6. Monthly Installment : IDR1,220,918.12 per month
  7. Late Payment Fee : 0,2% per day
  8. Provision Fee : IDR925,000.00
  9. Administrative Fee : IDR500,000.00
Loan Principal Amount Estimated Total Loan Application & Incidental Fees 2) Total Interest Over Loan Tenure Total Estimated Amount Paid by Borrower 3)
IDR185.000.000,00 IDR1.425.000,00 IDR108,020,348.21 IDR294,445,348.21

Notes:

  1. This simulation serves only as an example or estimation tool and is not intended as a recommendation of any kind.
  2. Incidental fees are still estimates, including the total provision and administrative fees. Notary fees and collateral binding costs are not included in the calculation, along with other potential expenses related to KPR Sejahtera BCA financing.
  3. The total amount paid by the borrower consists of the loan principal, total application and incidental fees, and total interest.

Additional Information

  • BCA will inform customers of any changes to the benefits, costs, risks, terms, and conditions of this Product and/or Service through any appropriate communication channels, in accordance with applicable laws and regulations
  • For loan settlement under the BCA Affordable Home Puchase Loan facility, the borrower must ensure sufficient funds are available in the designated debit account to cover both principal and interest payments

Loan Application Fees

  • Provision Fee :0.5% of the credit limit
  • Administration Fee: IDR500.000
  • Collateral Binding Fee : as per the notary invoice

Incidental Fees

  • Life Insurance Fee : Covered by BCA
  • Loss Insurance Fee : Covered by BCA
  • Penalty : 0,2% per day of late payment of unpaid installments

Note:

  • The above fee terms may be subject to change at any time in accordance with the Bank's policies, with prior notice to customers.

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