Various financing alternative based that suitable to your business needs
Various kind of business
Able to accommodate various kind of business
Convenient
Provide convenient way to achieve your business target
Important Information
Terms and Conditions for Individuals
Must have legal capacity
Must be an Indonesian citizen
Must not be declared bankrupt or be involved in bankruptcy proceedings
Terms and Conditions for Business Entities
Must be an Indonesian legal entity or business entity
Must comply with its Articles of Association and applicable laws and regulations
Must not be declared bankrupt or be involved in bankruptcy proceedings
Document Requirements
Identification documents include:
Borrower Type
Required Documents
Individual
Copy of ID card
Copy of spouse’s ID card*
Copy of Taxpayer Identification Number (NPWP)
Copy of Family Card (Kartu Keluarga)
Copy of marriage certificate*
Copy of divorce certificate or death certificate*
Copy of Property Division Agreement*
Business Entity
Copies of identification documents of the management and shareholders
Copy of Taxpayer Identification Number (NPWP)
Copy of the Articles of Incorporation and all amendments thereto
Copy of the Business Identification Number (NIB), Company Registration Certificate (TDP), or Trading Business License (SIUP)
*) If applicable
The (prospective) borrower submits financial documents, including:
Audited or internal financial statements
Bank statements for at least the last 3 months
Bank statements from other banks for at least the last 4 months.
The (prospective) borrower signs the Loan Application Form (SPK) and submits the required documents to BCA, including documents proving ownership of the collateral, depending on the type of collateral provided.
Collateral Document Requirements
Documents proving ownership of the collateral are required, depending on the type of collateral provided.
Property Collateral Documents
Copy of the Property Certificate
Copy of the collateral owner's ID card and Tax ID (if the collateral is registered under another person's name)
Copy of the Building Permit (IMB)
Copy of the latest Property Tax (PBB) bill
Copy of the latest Property Tax (PBB) payment receipt
Deposit Collateral Documents
Copy of the deposit certificate
Prospective borrowers may submit questions or complaints through the following channels:
Contact Us:
Halo BCA 1500888
Email: halobca@bca.co.id
WA: +628111500998
Website: www.bca.co.id
Social Media:
Facebook : GoodLife BCA
Instagram : @goodlifebca
Youtube : Solusi BCA
X (Twitter) : @BankBCA
Credit term of 1 year and extendable
Fund withdrawal with a signed application letter (SPPFK) by the debtor equipped with export plan documents
Repayment can be made by debiting the debtor's fund account based on the power of attorney that has been given
Facility realization is done by book transfer to the debtor's account
Main Features, Benefits, and Risks of Installment Loan
Main Features of Installment Loans
The maximum loan term is 5 (five) years, with no grace period, and cannot be extended.
Loan funds are disbursed either in stages or as a lump sum, with no grace period.
The credit limit is determined based on the (prospective) borrower's financing needs and BCA's analysis.
The loan facility is disbursed by transferring the funds to the (prospective) borrower's account specified in the Loan Agreement.
Repayments are collected by debiting the (prospective) borrower's designated account based on the authorization provided.
Benefits
Loan repayments are made in installments, with interest calculated based on the actual number of days the loan is outstanding.
The Installment Loan can be used to finance working capital or business operations.
Risks
Late payment of interest or installments will incur late payment penalties and may be recorded in the Financial Information Services System (SLIK) managed by the Financial Services Authority (OJK).
If the borrower fails to meet the payment obligations stipulated in the agreement, BCA reserves the right to take action in accordance with the applicable credit terms and conditions.
Interest rate fluctuations may occur due to market conditions, changes in Bank Indonesia (BI) interest rates, and BCA policies.
Additional Information
Interest on the Installment Loan will be debited monthly on the date specified in the Loan Agreement.
On each installment due date, the borrower must ensure that sufficient funds are available to cover the principal and interest payments at least one day before the due date.
Any decrease or increase in the applicable interest rate will result in a corresponding decrease or increase in the interest payable on the loan.
If sufficient funds are unavailable in the designated account on the debit date, a late payment penalty will be imposed.
The borrower may request early repayment in full or closure of the loan facility by submitting a request at a BCA branch. The borrower must ensure that sufficient funds are available in the designated debit account to cover the outstanding principal and interest.
BCA reserves the right to amend the benefits, fees, risks, and terms and conditions of this product and/or service. BCA will notify customers of such changes through any form and channel in accordance with applicable regulations, no later than 30 business days before the changes take effect.
(Prospective) borrowers may receive offers for products and/or services from third parties partnering with BCA, provided that the (prospective) borrower has authorized BCA to share their data with such third parties.
(Prospective) borrowers may receive offers for BCA products and/or services, as well as products and/or services from third parties partnering with BCA, through personal communication channels, provided that the (prospective) borrower has authorized BCA to send such offers through those channels.
Fees
(Prospective) borrowers will be charged fees determined based on BCA's assessment and analysis, including:
Interest calculated based on daily usage or the outstanding loan balance
An annual provision fee of up to 1% of the credit limit, or as determined by the credit decision
Credit facility administration fees as determined by the credit decision. If the credit limit or other conditions change, administration fees will be charged in accordance with the revised terms and conditions
Notary fees for notarizing the Loan Agreement
Collateral registration fees for notarized registration
Insurance premiums for non-cash collateral
Collateral appraisal fees for non-cash collateral
Penalties for overdue loan payments
Fees that may arise from the processing of credit-related activities, including:
Collateral return and release fees (IDR 500,000 per collateral document)
Collateral document storage fees for borrowers who have fully repaid their loans (IDR 500,000 per borrower per month)
Note
This fee information is general in nature and may be subject to change based on the credit decision or other specific provisions. Any additional fees arising from the processing of credit applications or other credit-related activities will be charged and communicated through appropriate channels in accordance with applicable laws and regulations.
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