BCA - Home Renovation Loan

KPR Refinancing

KPR Renovation

Solution for bigger house because of increasing family members or to create a new atmosphere at home

Benefits

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 66 years when the credit ends for Self-Employed
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
Proof of appraisal payment ^c

Property Documents

Copy of HM/HGB/HMSRS Certificate ^d
Copy of IMB
Copy of the latest PBB when signing the PK
Copy of Deed of Sale and Purchase (AJB) ^e
Renovation Budget Plan (RAB)

Remarks:

ᵅ) 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 branches that have implemented appraisal payment in advance

^d) The HM/HGB/HMSRS as collateral documents must be in the name of prospective borrowers or spouse

^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 (Nomor Induk Berusaha) ᵇ
Copy of Deed of Establishment/Current Amendment ^b
Copy of Bank Statements/Savings Account for at least the last 3 months ^c
Proof of appraisal payment ^d

Property Documents

Copy of HM/HGB/HMSRS Certificate ^e
Copy of IMB
Copy of the latest PBB when signing the PK
Copy of Deed of Sale and Purchase (AJB) ^f
Renovation Budget Plan (RAB)

Remarks:

ᵅ) 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 branches that have implemented appraisal payment in advance

^e) The HM/HGB/HMSRS as collateral documents must be in the name of prospective borrowers or spouse.

^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
Proof of appraisal payment ^d

Property Documents

Copy of HM/HGB/HMSRS Certificate ^e
Copy of IMB
Copy of the latest PBB when signing the PK
Copy of Deed of Sale and Purchase (AJB) ^f
Renovation Budget Plan (RAB)

Remarks:

ᵅ) 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 branches that have implemented appraisal payment in advance

^e) The HM/HGB/HMSRS as collateral documents must be in the name of prospective borrowers or spouse

^f) Non-Developer Only

Interest Rates

PROMO RATE (eff. p.a)

Fixed Rate	Renovation (eff.p.a)	Minimum Tenor (year)
1-year fixed	5.28%	3
1-year fixed	7.38%	1
2-year fixed	5.58%	5
2-year fixed	7.48%	2
3-year fixed	3.25%	8
	4.68%	12
	6.98%	5
	7.48%	3
5-year fixed	4.98%	15
	5.68%	12
	6.98%	10
	8.18%	5
Fix & Cap Rate	Renovation (eff.p.a)	Minimum Tenor (year)
2-year fixed	5.68%	10
3-year cap	8.68%	10
2-year fixed	8.08%	5
3-year cap	10.08%	5
Tiered Fixed Rate 8 Years	Renovation (eff.p.a)	Minimum Tenor (year)
1st to 3rd Year	5.58%	8
4th to 6th Year	8.98%
7th to 8th Year	10.98%
Tiered Fixed Rate 10 Years	Renovation (eff.p.a)	Minimum Tenor (year)
1st to 3rd Year	5.58%	10
4th to 6th Year	8.98%
7th to 10th Year	10.98%
Tiered Fixed Rate 10 Years	Renovation (eff.p.a)	Minimum Tenor (year)
1st Year	4.58%	10
2nd to 3rd year	6.68%
4th to 6th Year	8.98%
7th to 10th Year	10.98%

REGULER RATES (eff. p.a)

Fixed Rates	Renovation
Fixed 1 years	8.00%
Fixed 2 years	8.50%
Fixed 3 years	9.00%
Fixed 5 years	9.50%
Fix Rates & Cap	Renovation
Fixed 3 years	9.00%
Cap 2 years	10.00%

Note :

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
This offer is valid until December 31^st, 2025

The current floating rates for KPR BCA is 11%.

Fees

LOAN APPLICATION FEES

Provision Fee: 1% of the credit limit

Administration Fee

Credit Limit	Administrative Fees
up to IDR500 Million	IDR500,000
> IDR500 Million up to IDR3 Billion	0.10% of Credit Limit
> IDR3 Billion	IDR3,000,000

Appraisal Fee: IDR1,100,000 to IDR1,500,000
Collateral Binding Fee: as per the notary invoice

INCIDENTAL FEES

Life Insurance Fee: as per the insurance company's confirmation
Loss Insurance Fee: as per the building inspection results
Penalty: 0.2% per day of late payment of unpaid installments
Early Repayment Fee: as per the agreement
Fee of mortgage discharge (HT-el): IDR500,000 *)

Note:
- The above fee terms may be subject to change at any time in accordance with the Bank's policies, with prior notice to customers.
- *) Already applicable in Jabodetabek and will be applicable in the KKK Bandung, KKK Surabaya, KFKK Semarang, KFKK Makassar, KFKK Malang, KFKK Bali, and KFKK Medan areas as of August 1, 2025 .

Fees, Limits, and Interest Rates

KPR Renovation

Why renovate your home with KPR BCA?

Various Options

Light Installments

Under Control

Find your house at Rumahsaya BCA

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