Tangerang, 9 February 2026 – PT Bank Central Asia Tbk (BCA) is targeting mortgage loan growth of around 6%-7% in 2026. This optimism is in line with a number of strategies prepared by BCA to encourage the distribution of BCA mortgages this year.
Speaking at the BCA Expoversary mini studio in ICE BSD, Tangerang, on Thursday (5/2), Melani Megawati, SVP of BCA's Consumer Credit Division, revealed that BCA is focused on providing quality service for customers who want to take out a mortgage.
“We have the rumahsaya.bca.co.id website, which is a one-stop shopping service for customers who want to buy a house with a mortgage facility. Through this website, customers can browse property listings from a number of developers and real estate agents that are already BCA partners. Not only that, customers can also directly simulate credit and apply for credit through this website,” said Melani.
Melani also explained that customers can now check their remaining installments through the myBCA app. In addition, BCA also offers after-sales service that consumers can access directly through the haloBCA app. Melani said that if customers have questions about interest rates or other matters related to mortgages, they don't need to worry about finding someone to ask.
In terms of interest rates, BCA offers a tiered fixed interest rate program to provide convenience and flexibility for customers who take out a BCA mortgage. Melani said that the tiered fixed interest rate program with competitive interest rates has become a magnet, especially for the younger generation or Gen Z, to get their dream home. Through this offer, Gen Z can adjust their installment interest rates to their needs and capacity.
"For example, in this (fixed-rate tiered) program, customers can choose a fixed rate for the first three years, then a different fixed rate for the next three years, and so on for the following four years. The interest rate is low at the beginning and gradually adjusts, assuming that Gen Z also experiences an increase in income as their work experience grows or their business continues to develop. Therefore, this program is very popular among Gen Z," said Melani.
BCA also regularly offers attractive promotions to support people's purchasing power and economic growth. One of them is through the BCA Expoversary 2026 event, which offers a special mortgage interest rate of 1.69% fixed for 1 year, with a 50% provision discount and a 5% life insurance discount, valid until March 31, 2026.
In addition to the strategies prepared by BCA, Melani also explained that optimism for mortgage growth is supported by a number of incentives offered by the government, such as the extension of the Government-Borne Value Added Tax (PPN DTP) incentive for the purchase of new properties at certain prices. “We see that the extension of the PPN DTP incentive is a stimulus for property demand growth in 2026, and we hope it will also have a positive impact on the increase in BCA mortgage lending,” concluded Melani.
Picture Information 1 & 2:
BCA Reveals Strategy to Boost Mortgage Disbursement in 2026 - BCA SVP of Consumer Credit Melani Megawati (top right) revealed BCA's strategy to boost mortgage disbursement in 2026 while speaking at the BCA Expoversary 2026 Mini Studio program at ICE BSD, Tangerang, Banten, on Thursday (5/2). BCA targets mortgage loan growth of around 6%-7% in 2026.
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About PT Bank Central Asia Tbk (as of December 31, 2025)
BCA is one of Indonesia's leading banks, focusing on transaction banking and providing credit facilities and financial solutions for corporate, commercial, SME, and consumer segments. As of the end of December 2025, BCA serves 43 million customer accounts and processes more than 115 million transactions daily, supported by 1,270 branch offices, 20,163 ATMs, as well as internet & mobile banking services and the Halo BCA contact center, which is accessible 24 hours a day. BCA's presence is supported by a number of subsidiaries focusing on vehicle financing, Sharia banking, securities, general and life insurance, digital banking, and venture capital. BCA is committed to building long-term relationships with customers, prioritizing mutual interests, and creating a positive impact on society at large. With over 27,000 employees, BCA's vision is to become the primary bank of choice for the public, serving as a key pillar of Indonesia's economy.
PT BANK CENTRAL ASIA TBK
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Corporate Communication
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E-mail : corcom_bca@bca.co.id
