Tangerang, 13 September, 2026 – Owning a first home is an important financial milestone for many young people. However, with daily expenses, emergency funds, and lifestyle needs to consider, concerns over financial readiness and monthly mortgage payments can often stand in the way. Addressing these concerns, PT Bank Central Asia Tbk (BCA) shares practical strategies for managing mortgage payments through its Home Ownership Loan (KPR) at BCA Expo 2026, held at ICE BSD City, Tangerang.
BCA Director Haryanto T. Budiman emphasized that BCA Expo 2026 reflects the Bank’s commitment to supporting customers in achieving their homeownership goals through thoughtful financial planning, while also supporting growth in Indonesia’s economy. “Through BCA Expo, we aim to support credit growth in the property and automotive sectors. For KPR, we are offering special rates starting from 1.23% effective per annum, fixed for one year. We have also introduced a new KPR program called Fixed Terencana, designed to help customers plan their monthly payments with greater certainty amid dynamic interest rate conditions,” said Haryanto.
The BCA Expo 2026, held offline across seven major cities and online until 31 October, 2026, also provides customers with opportunities to optimize their home financing costs. During the event, BCA offers special KPR fixed rates starting from 1.23% effective p.a. for a one-year tenor, 2.35% for two years, 2.75% for three years, and 3.81% for five years for new homes from BCA partner developers. The offer also includes a special provision fee of 0.81%.
Beyond taking advantage of the special offers at BCA Expo 2026, first-time homebuyers can consider several key steps to ensure that their mortgage remains manageable:
- Assess Your Actual Repayment Capacity Through Digital Simulation
The first step is to calculate the proportion of monthly income allocated to mortgage payments. BCA facilitates prospective homebuyers through rumahsaya.bca.co.id, where customers can enter their income to estimate their maximum repayment capacity and explore housing options from various trusted developer partners. - Take Advantage of Predictable Interest Rates Through Fixed Terencana
For young customers, BCA offers KPR tenors of up to 25 years through its Fixed Terencana scheme. The program provides greater certainty through a structured interest rate adjustment, allowing customers to plan their mortgage payments over the long term. - Consult With KPR Specialists Before Making a Decision
Customers can consult with BCA’s KPR team before submitting their application. At BCA Expo 2026 in ICE BSD City, Tangerang, visitors can receive assistance with financial calculations, selecting an appropriate interest rate scheme, and preparing administrative documents to support a transparent financing process. - Maintain a Healthy Balance Between Cash Flow and Long-Term Financial Planning
Buying a home is not simply about acquiring an asset as quickly as possible, but also about ensuring that mortgage payments remain manageable as financial circumstances evolve. With proper financial planning and a suitable repayment scheme, customers can maintain a healthy balance between their mortgage payments, daily expenses, emergency funds, and other investment plans.
All special KPR interest rate offers and credit simulation features available during BCA Expo 2026 can be accessed offline at the exhibition venues or online until October 31, 2026 through www.expo.bca.co.id.
Photo Information 1 & 2:
BCA Expo 2026 Supports Access to Affordable Homeownership for All – Visitors explore the BCA KPR booth at BCA Expo 2026 at ICE BSD City, Tangerang, Saturday (12/9). The event showcases a range of strategically located and competitively priced property options. BCA also offers special KPR rates starting from 1.23% effective p.a. fixed for one year, a 0.81% provision fee, and a 5% life insurance discount to help customers plan their homeownership journey.
Photo Information 3 & 4:
Visitors Consult KPR Options at BCA Expo Jabodetabek 2026 – BCA KPR officers explain home financing options to visitors at the BCA KPR booth during BCA Expo 2026 at ICE BSD City, Tangerang, Saturday (12/9). BCA offers various KPR solutions, including special rates starting from 1.23% effective p.a. fixed for one year and the Fixed Berjenjangscheme with tenors of up to 20 years. BCA also introduces the new Fixed Terencana program, designed to help customers plan their mortgage payments amid changing interest rate conditions.
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About PT Bank Central Asia Tbk (as of 30 June 2026)
BCA is one of the leading banks in Indonesia focusing on transaction banking as well as providing credit facilities and financial solutions for corporate, commercial, SME, and consumer segments. At the end of June 2026, BCA served 42 million customer accounts and processed more than 124 million transactions daily, supported by 1.272 branch offices, 20.374 ATMs, as well as 24-hour internet & mobile banking services and Halo BCA contact center. BCA's presence is supported by several subsidiaries focusing on vehicle financing, Syariah 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 the wider community. With more than 27.600 employees, BCA's vision is to be the bank of choice and the mainstay of society, serving as an essential pillar of the Indonesian economy.
PT BANK CENTRAL ASIA TBK
Group Corporate Communication and Social Responsibility - CCR
Corporate Communication
Address : Jl. MH Thamrin No.1, Menara BCA Lt. 22. Jakarta 10310
Telephone : (021) 2358-8000
Fax : (021) 2358-8339
E-mail : corcom_bca@bca.co.id
