KPR Instant Top-Up is s top-up facility for customers to obtain additional funds for existing mortgage facilities with a faster and instant process through the myBCA app.

These additional funds can be used for various customer needs such as renovation, school tuition, and other needs.

REQUIREMENTS TO QUALIFY FOR KPR INSTANT TOP UP*)

• Mortgage facility that has been running for at least 2 years
• Collateral ownership in the form of SHM (freehold title)
• Collectability with PASS status for the last 12 months for ongoing loans

*) the KPR Instant Top Up feature is granted to customers who meet the terms and conditions and other provisions set by BCA.

BENEFITS

• Get a top-up loan facility of 20% of the initial mortgage ceiling with a maximum ceiling of Rp1 billion with no change in the amount of your mortgage instalments. You can withdraw top-up funds multiple times with a minimum withdrawal of Rp10 million.
• Free mortgage fee**)
• Instant Approval 1 business day via myBCA app

**) Admin, provision, appraisal, and credit contract fees

STEPS TO APPLY FOR KPR INSTANT TOP UP 

1. Log in to myBCA
2. Click the Consumer Credit Icon
3. Click KPR Instant Top Up (this feature is only available for customers who have met the requirements)
4. Fill in the Top-Up amount and click “Ajukan Top-Up”
5. Fill in your personal details
6. Enter your myBCA PIN
7. Check the notification that the application for KPR Instant Top Up is successful