BCA Personal Loan is a loan without collateral that can be used for various customer needs, whose payment can be paid monthly.
Important Information
Requirements
Indonesian citizens (WNI) residing in Jabodetabek, Java Island, Medan, Batam, Tanjung Pinang, Palembang, Denpasar, Cakranegara, and Makassar.
Minimum age of 21 and maximum 55 years when the Personal Loan facility is paid off
Monthly income:
Minimum Rp2,500,000 for the Jabotabek, Bandung, Surabaya, Medan, and Batam
Minimum Rp2,000,000 for other areas
Employees of BCA Payroll facility participants, or minimum BCA Credit Card membership of 1 (one) year
Permanent employee with minimum 1 year of service and Self-employed or professional with minimum 2 years in current business/enterprise
Document Requirements
Documents required according to the customer’s occupation
Document Type
Original/Copy
Employee
Entrepreneur
Professional
Application Form
Asli
√
√
√
e-KTP
Copy
√
√
√
Business License/TDI/TDP/Practice License*
Copy
-
√
√
Income Statement/Salary Slip**
Copy
√
√
√
NPWP***
Copy
√
√
√
All documents submitted are not returnable.
√ = must be completed *) requested only when needed. **) a copy of the income
statement/salary slip must be produced by employees whose place of work does not subscribe to the Payroll BCA
facility; and a copy of
the main bank account other than BCA for the past 3 (three) months for entrepreneurs and professionals. ***)
for loan applications up to Rp 50 million, if the applicant does not have an NPWP, a statement must be produced
stating that they don’t
have one.
Fees
Detail
Fees
Provision Fee
1% of the approved loan or a minimum of Rp100.000
Installment interest rate (flat)
12 months, 1.00%/month (12%/year)
24 months, 1.03%/month (12,36%/year)
36 months, 1.07%/month (12,84%/year)
Late fees
0.28% per day
Administrative costs of expedited repayment
Rp200,000 (repayment can be made at least after 6 (six) installment payments).
Limits
Detail
Retail - Payroll BCA
Loan ceiling
5 million - 100 million
Simulasi Cicilan Personal Loan
Plafond
Cicilan per Bulan*
Tenor 1 Tahun
Tenor 2 Tahun
Tenor 3 Tahun
Interest
1%
1.03%
1.07%
Rp5,000,000
466,667
259,833
192,389
Rp6,000,000
560,000
311,800
230,867
Rp7,000,000
653,333
363,767
269,344
Rp8,000,000
746,667
415,733
307,822
Rp9,000,000
840,000
467,700
346,300
Rp10,000,000
933,333
519,667
384,778
Rp11,000,000
1,026,667
571,633
423,256
Rp12,000,000
1,120,000
623,600
461,733
Rp13,000,000
1,213,333
675,567
500,211
Rp14,000,000
1,306,667
727,533
538,689
Rp15,000,000
1,400,000
779,500
577,167
Rp16,000,000
1,493,333
831,467
615,644
Rp17,000,000
1,568,667
883,433
654,122
Rp18,000,000
1,680,000
935,400
692,600
Rp19,000,000
1,773,333
987,367
731,078
Rp20,000,000
1,866,667
1,039,333
769,556
Rp25,000,000
2,333,333
1,299,167
961,944
Rp30,000,000
2,800,000
1,559,000
1,154,333
Rp35,000,000
3,266,667
1,818,833
1,346,722
Rp40,000,000
3,733,333
2,078,667
1,539,111
Rp45,000,000
4,200,000
2,338,500
1,731,500
Rp50,000,000
4,666,667
2,598,333
1,923,889
Rp60,000,000
5,600,000
3,118,000
2,308,667
Rp70,000,000
6,533,333
3,637,667
2,693,444
Rp80,000,000
7,466,667
4,157,333
3,078,222
Rp90,000,000
8,400,000
4,677,000
3,463,000
Rp100,000,000
9,333,333
5,196,667
3,847,778
*Angsuran maksimal 1/3x gaji
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