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KPR BCA

Make your dream home comes true

Why buying your first home with KPR BCA?

Various Options

Buying a house is easier with a large choice of interest rates, features, developer, and property agent

Light Installments

Installing a house is no longer a burden because of the light and stable installments

Under Control

No need to worry about Fix and Cap interest rates rising dramatically that causes installments to become heavy

KPR (Home Loan)

About Important Information Fees, Limits, and Rates Get the Product

KPR BCA

Home financing solution for house, apartment, home office purchase in new or second condition.

Benefits


Competitif Interest Rates
Choice of interest rates and features to suit your needs
Credible
Partnered with many trusted developers
Convenient
Loan Top Up with the same collateral as the first loan, as long as the LTV (Loan to Value) provision is still sufficient

Important Information

General Requirements

  • Indonesian citizens
  • Permanent Employees with minimum 1 year employment at the same company or 2 years total employment
  • Professionals/entrepreneur with minimum 2 years employment at the same field
  • Minimum age 18 years or married
  • Maximum age of 66 years when the credit ends for Professionals/entrepreneur
  • Maximum age of 56 years when the credit ends for Permanent Employees
  • The applicant is obliged to cover insurance (life and fire) with the condition of the banker's clause
  • Willing to sign a credit agreement and APHT (Liability Charge Act)
  • Auto debit payment from the applicant's BCA account

Document Requirements

Work Type

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 ᵅ
  • Copy of Salary Slip/Certificate of Income for the last 1-month ᵇ
  • Copy of Bank Statement/Savings for at least the last 3 months ᵇ
  • Letter of Order for Developer House/Cover Letter for Property Agent Office ᶜ
  • Proof of appraisal payment ᵈ 

Property Documents

  • Copy of HM/HGB/HMSRS Certificate
  • Copy of IMB
  • Copy of the latest PBB when signing the PK
  • Copy of Deed of Sale and Purchase (AJB) ᵉ

Remarks:

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

ᵇ) If joint income (husband/wife income is combined), the spouse’s document must be attached

ᶜ) Especially for purchases from developers and/or through property agent offices

ᵈ) Especially for branches that have implemented appraisal payment in advance

ᵉ) Non-Developer only

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 ᵅ
  • Copy of NPWP for Business Entity
  • Copy of TDP/NIB ᵇ
  • Copy of Deed of Establishment/Current Amendment b
  • Copy of Bank Statements/Savings Account for at least the last 3 months c
  • Letter of Order for Developer House/Broker’s Cover Letter d
  • Proof of appraisal payment e

Property Documents

  • Copy of HM/HGB/HMSRS Certificate
  • Copy of IMB
  • Copy of the latest PBB when signing the PK
  • Copy of Deed of Sale and Purchase (AJB) ᶠ

Remarks:

) 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 joint income (husband/wife income is combined), the spouse documents must be attached

ᵈ) Especially for purchases at developers and/or through brokers

ᵉ) Especially for branches that have implemented appraisal payment in advance

ᶠ) Non-Developer Only

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 ᵅ
  • Copy of NPWP for Business Entity b
  • Copy of Practice License
  • Copy of Bank Statements/Savings Account for at least the last 3 months c
  • Letter of Order for Developer House/Broker’s Cover Letter d
  • Proof of appraisal payment e

Property Documents

  • Copy of HM/HGB/HMSRS Certificate
  • Copy of IMB
  • Copy of the latest PBB when signing the PK
  • Copy of Deed of Sale and Purchase (AJB) ᶠ

Remarks:

) 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 joint income (husband/wife income is combined), the spouse documents must be attached

ᵈ) Especially for purchases at developers and/or through brokers

ᵉ) Especially for branches that have implemented appraisal payment in advance

ᶠ) Non-Developer Only

Interest Rates

Interest Rates Promo

Fixed Rates Purchase (eff,p,a) Minimum Tenor
Fixed 1 Years 2,67% 3 Years
4,00% 2 Years
4,50% 1 Years
Fixed 2 Years 3,67% 5 Years
5,00% 3 Years
5,50% 2 Years
Fixed 3 Years 3,67% 12 Years
4,25% 10 Years
4,75% 8 Years
5,25% 5 Years
6,00% 3 Years
Fixed 5 Years 4,67% 12 Years
5,25% 10 Years
5,75% 8 Years
6,00% 7 Years
6,75% 5 Years
Fixed 8 Years 6,67% 15 Years
7,00% 10 Years
7,25% 8 Years
Fixed 10 Years 7,00% 15 Years
7,50% 10 Years
Fix Rates & Cap Purchase (eff,p,a) Minimum Tenor
Fixed 2 Years 3,67%

 

10 Years
Cap 3 Years 6,67%

 

Fixed 2 Years 6,00%

 

5 Years
Cap 3 Years 8,00%

 

Fixed Rates Berjenjang 8 Years Purchase(eff,p,a) Minimum Tenor
Years 1 to 3 4,67% 8 Years
Years 4 to 6 7,97%
Years 7 to 8 9,97%
Fixed Rates Berjenjang 10 Years Purchase(eff,p,a) Minimum Tenor
Years 1 to 3 4,67% 10 Years
Years 4 to 6 7,97%
Years 7 to 10 9,97%
Fixed Rates Berjenjang 10 Years Purchase(eff,p,a) Minimum Tenor
Years 1 2,67% 10 Years
Years 2 to 3 5,67%
Years 4 to 6 7,97%
Years 7 to 10 9,97%

REGULER RATES (eff. p.a)

Fixed Rates Purchase (eff.p.a) Refinancing

Fixed 1 years

7.00%

8.00%

Fixed 2 years

7.50%

8.50%

Fixed 3 years

8.00%

9.00%

Fixed 5 years

8.50%

9.50%

Fix & Cap Purchase (eff.p.a) Refinancing

Fixed 3 years

8.00%

9.00%

Cap 2 years

9.00%

10.00%

Notes :

  • Once the fix rate period ends, floating rates apply and are subject to periodic semester review
  • Loan Details above are simulation, not a loan approval
  • It is subject to administration fees, appraisal, life insurance, fire insurance, notary, and other fees included during a mortgage application. Fee details will be provided once the loan has been approved by the potential lender
  • Specifically for 8-year Fix & 10-year Fix, they apply for purchases only.
  • Valid until 31 May 2024

The current floating rates for KPR BCA is 11%.

Fees

LOAN APPLICATION FEES

  1. Provision Fee: 1% of the credit limit
  2. Administration Fee: IDR500,000 to IDR1,000,000
  3. Appraisal Fee: IDR1,100,000 to IDR1,500,000
  4. Collateral Binding Fee: as per the notary invoice

INCIDENTAL FEES

  1. Life Insurance Fee: as per the insurance company's confirmation
  2. Loss Insurance Fee: as per the building inspection results
  3. Penalty: 0.2% per day of late payment of unpaid installments
  4. Early Repayment Fee: as per the agreement
  5. Fee of mortgage discharge (HT-el): IDR500,000 (Valid in Jabodetabek as of August 1, 2023)

Note:
The fees listed above are subject to change at any time according to the bank's policies. Prior notice will be given to customers in case of any changes.

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eForm
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Cek Status Pengajuan KPR Anda
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