BCA - KPR Renovation

KPR Refinancing

KPR Renovation

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

Benefits

Important Information

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 65 years when the credit ends for Professionals/entrepreneur
Maximum age of 55 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

Photocopy of the applicant's id card
Photocopy of Husband/Wife's id card
Photocopy of Marriage/Divorce/Death Certificate
Notaril asset separation deed and registered with KUA or civil registry (if any)
Photocopy of Family Card
Photocopy of the applicant's NPWP *)
Original Salary Slip/Income Certificate for the last 1 month *)
Photocopy of savings account transaction for the last 3 months *)
Original statement regarding property ownership credit or credit secured by property that is being proposed or owned
Proof of Appraisal Payment ***)

Photocopy of the applicant's id card
Photocopy of Husband/Wife's id card
Photocopy of Family Card
Photocopy of Marriage/Divorce/Death Certificate
Notaril asset separation deed and registered with KUA or civil registry (if any)
Photocopy of the applicant's NPWP *)
Photocopy of Business Entity NPWP **)
Photocopy of SIUP
Photocopy of TDP **)
Photocopy of Establishment Deed/Change Act **)
Photocopy of savings account transaction for the last 3 months *)
Original statement regarding property ownership credit or credit secured by property that is being proposed or owned
Proof of Appraisal Payment ***)

Photocopy of the applicant's id card
Photocopy of Husband/Wife's KTP
Photocopy of Family Card
Photocopy of Marriage/Divorce/Death Certificate
Notaril asset separation deed and registered with KUA or civil registry (if any)
Photocopy of the applicant's NPWP *)
Photocopy of Business Entity NPWP **)
Photocopy of License to Practice
Photocopy of savings account transaction for the last 3 months *)
Original statement regarding property ownership credit or credit secured by property that is being proposed or owned
Proof of Appraisal Payment ***)

Notes :

*) For husband and wife joint income, spouse's documents must be attached

**) For entrepreneurs with PT & CV legal entity

***) For branches that have implemented Appraisal payments in advance

Guarantee Document Requirements

Photocopy of Freehold Title/Cultivation Rights Title/ Strata Title
Photocopy of Building Permit
Photocopy of latest Property Tax (except for new property)
Photocopy of Deed of Sale and Purchase Land
Renovation Budget Details (if application is only for Renovation)

Note :

After the Fix interest period ends, the interest rate that will apply is the floating interest, in which the interest rate will vary according to the current interest rate. Changes in interest rates will affect the amount of installments that must be paid.

Fees, Limit, and Interest Rates

Promo Interest Rate (eff.p.a)

Promo Interest Rate (eff.p.a)
Interest Rate	Purchase	Refinancing / Renovation	Minimum Tenor
Fixed 3 th	5.75%	7.00%	3 Years
	5.25%	6.50%	5 Years
	4.80%	6.00%	7 Years
	4.50%	5.80%	8 Years
Fixed 5 th	6.75%	8.00%	5 Years
	6.25%	7.50%	7 Years
	5.80%	7.15%	8 Years
	5.75%	7.00%	10 Years
Fix & Cap	Purchase	Refinancing / Renovation	Minimum Tenor
Fix (2 Years) / Cap (3 Years)	5,75% / 7,75%	7,00% / 9,00%	5 Years
	5,25% / 7,25%	6,50% / 8,50%	7 Years
	4,90% / 6,90%	6,25% / 8,25%	8 Years
	4,75% / 6,75%	5,75% / 7,75%	10 Years

Notes :

After the fixed rate/fix & cap period ends, the applicable interest rate is a variable interest rate (floating) and is reviewed every 6 months.

Regular Interest Rate (eff.p.a)
Interest Rate	Refinancing / Renovation
Fix 1 Years	8,00%
Fix 2 Years	8,50%
Fix 3 Years	9,00%
Fix 5 Years	9,50%
Fix & Cap	Refinancing / Renovation
Fix 3 Years	9,00%
Cap 2 Years	10,00%

Notes :

After the fixed rate period ends, the applicable interest rate is a variable interest rate (floating) and is reviewed every 6 months
After the Fix & Cap period ends, the applicable interest rate is a variable interest rate (floating) and is reviewed every 6 months.

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