Investment Financing

The right solutions to finance your commercial properties' needs

Why Investment Financing?


Competitive interest rate for certain period

Flexible and Easy

Longer term making the instalments more affordable

Meeting Various Needs

We serve the financing of various types of commercial properties such as : shophouses, warehouses, office unit, and so on

Investment Financing

About the Product Important Information Our Partnership Project Fees, Limits and Interest Rates Get the service

About the Product

The right solution to finance the purchase of commercial property according to your business needs

Important Information

  • Loan Applicants
  • Individual or Business Entity (in the form of PT)
  • Type of Properties
  • Could be shophouses, warehouses, office units from BCA partner developers with indent status, finished buildings, and certificate completely (also not completely) splitted
  • Type of Facility
  • Investment loan for business needs with annuity installments
  • Terms
  • up to 20 years*
  • Loan to Value (LTV)
  • Maks. s.d. 90%*
*for certain type of commercial property

Terms & Conditions for Individuals

  • Over 17 years of age or married
  • Indonesian Citizen
  • In no violation of law and decency
  • Has not been declared bankrupt or in bankruptcy dispute process
  • Good collectibility status (based on SLIK)
  • Syarat dan Ketentuan Perorangan

Terms & Conditions for Documents Required

  • Indonesian legal/business entity
  • Business purpose
  • It is in accordance with the Articles of Association and does not conflict with the law
  • Has not been declared bankrupt or in bankruptcy dispute process
  • Good collectibility status (based on SLIK)

Terms & Conditions for Business Entities (.Ltd)

General Documents:

  • A copy of residence identification card (KTP)
  • A copy of NPWP
  • A copy of Family Identity Card
  • A copy of spouse's ID Card
  • A copy of marriage certificate
  • A copy of divorce / death certificate
  • A copy of ID Cards of the Board of Directors and Commissioners *)
  • A copy of ID Cards of Shareholders’ ID *)

Financial Documents:

  • A copy of Audited Financial Statements (prescribed by the regulations)
  • A copy of Internal Financial Statements
  • A copy of other bank account transaction (last 4 months)

*) for business entity (.ltd) only

Our Partnership Project

Here's our partnership project :

Warehouse / Multipurpose Warehouse

No. Project Cooperation Location
1 Taman Tekno BSD Tangerang
2 Kota Wisata Commpark Cibubur
3 Citra Aeroworld 8 Jakarta
4 Bizpark Commercial Estate BDG Bandung
5 Bizpark Commercial Estate BJM Banjarmasin
6 Citra Aerolink Batam Batam
7 Bizpark Bekasi Bekasi
8 Bizland Jaya Cikupa Cikupa
9 Summarecon Mutiara Makassar Makassar
10 Aeropolis Tangerang
11 Tritan Point Medan Medan
12 Tritan Point Bandung Bandung
13 Tritan Point Taman Sidoarjo
14 Tritan Point Wedi Sidoarjo
15 Tritan Hub Sidoarjo
16 Tritan Point Banyu Urip Surabaya
17 Daan Mogot Eraprima Tangerang
18 Tunas Bitung Tangerang
19 Royal Kosambi Tangerang
20 Kosambi Permai Tangerang
21 3 Bisnis Center Karawang
22 Suncity Biz Sidoarjo Sidoarjo
23 Manyar Warehouse Industrial Nusantara Gresik
24 Sentra Lintas Niaga Sidoarjo
25 SIRIE Sidoarjo
26 Driyorejo Kencana Permai Warehouse Sidoarjo
27 Fortune Business & Industrial Park Sidoarjo
28 Eraprima Industrial Park Tangerang
29 Kompleks Industri dan Pergudangan GBK Tangerang
30 Lucky Point Jakarta
31 Safe 'N' Lock Sidoarjo


No. Project Cooperation Location
1 Proyek Komersial BSD Tangerang
2 Citra Towers Jakarta
3 Ciputra International Jakarta
4 Ciputra World I Jakarta
5 Ciputra World II Jakarta
6 Citraland City Losari Makassar
7 Aeropolis Tangerang
8 Pakuwon Center dan Pakuwon Tower Surabaya
9 Spazio Tower Surabaya
10 Praxis Surabaya
11 Ciputra World Office Surabaya
12 The Prominence Office Tower Tangerang
13 The Tower Jakarta
14 Kensington Office Tower Jakarta
15 Menara Tendean Jakarta
16 AKR Tower Jakarta
17 Voza Premium Office Surabaya
18 Manhattan Square Jakarta
19 The Royal 55 Office Tower Surabaya
20 The Smith Tangerang
21 The Arcade Jakarta

Shophouses / Store / SOHO

No. Project Cooperation Location
1 Proyek Komersial BSD Tangerang
2 Citra Aeroworld 8 Jakarta
3 Bizpark Commercial Estate BDG Bandung
4 Bizpark Commercial Estate BJM Banjarmasin
5 Citra Aerolink Batam Batam
6 Vieloft at Ciputra World Surabaya Surabaya
7 Citraland City Losari Makassar
8 Kota Wisata Commpark Cibubur
9 Fresh Market Bintaro Tangerang
10 Pasar Modern Graha Raya Tangerang
11 Grand Fortune Tangerang
12 Neo Fiera Tangerang
13 Summarecon Bekasi Bekasi
14 Summarecon Mutiara Makassar Makassar
15 Tritan Point Medan Medan
16 Tritan Point Bandung Bandung
17 Tritan Point Taman Sidoarjo
18 Suncity Biz Sidoarjo Sidoarjo
19 Roseville SOHO & Suite Tangerang
20 The Smith Jakarta
21 The Arcade Jakarta
22 Fortune Business & Industrial Park Sidoarjo
23 Lucky Point Jakarta

Fees and Limit

  • Provision Fee
  • Loan Administration Fee
  • Interest Rates
  • Fines for Late Payments
  • Notary Fee
  • Penalty (for repayment with certain criteria)
  • Insurance Costs
  • Collateral Appraisal Fee (for finished buildings

Regular Interest Rate

The interest rates start from 9% per year

Special Interest Rate

Special interest rate promo starting from 4%, valid from October 1 to November 30, 2022

Fixed Period (year)Fixed Interest Rate (% p.a)Minimum Tenor (year)


4,00 10
4,25 8
4,50 7
4,75 5
5,50 3
6,00 1
3 5,00 10
5,50 8
6,00 7
6,50 5
7,25 3


6,50 10
7,00 8
7,25 7
7,75 5

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