Purchasing, constructing and renovating the fixed assets
Solutions for your business that require the purchase, construction and renovation of fixed assets such as commercial properties (warehouses, offices, shop houses, etc.), machinery and vehicles.
Need to Know
Tenor/credit period
Up to 12 years *)
Bank Financing
Adjusts to the type of productive assets being financed.
Withdrawal
Withdrawals can be made in stages or all at once, with/without a grace period
Maximum Credit Limit
Depending on the type of assets to be financed
Repayment
BCA debits the borrower’s deposit account under the power of attorney granted by the borrower to BCA
Mechanism by which BCA makes the loan
BCA credits the funds to the borrower’s account as specified in the credit agreement (all at once/in stages)
*) Terms and Conditions apply
Terms and Conditions for Individuals
Aged over 17 years or married
Indonesian citizen
Not having been declared bankrupt nor being in bankruptcy proceedings
Swift collectability
Terms & Conditions for Business Entities
Incorporated/established in Indonesia under the Indonesian law
Compliance with the borrower’s Articles of Association and the prevailing laws and regulations
Not having been declared bankrupt nor being in bankruptcy proceedings
Swift collectability
Documentary Requirements
A copy of the Resident Identity Card (KTP)
A copy of the Taxpayer Identification Number (NPWP) Card *)
A copy of the Family Card
A copy of the Spouse's Resident Identity Card (KTP)
A copy of the Marriage Certificate
A copy of the Certificate of Divorce/Death *)
A copy of the Resident Identity Card (KTP) of the members of the Board of Directors and Board Commissioners **)
A copy of the Resident Identity Card (KTP) of the Shareholders **)
*) Mandatory, if any, for individual borrowers; optional for business entities
**) Only for business entities
Documentary Requirements for Collateral
Required Documents for Collateral in the form of Real Property
A copy of the Land Certificate
A copy of the KTP and NPWP of the Collateral Owner (If the collateral is registered in the name of another person)
A copy of the Building Permit (IMB)
A copy of the latest Notice of PBB (Land and Building Tax) Due
A copy of the proof of payment of the latest PBB (Land and Building Tax)
Required Documents for Collateral in the form of Time Deposit
A copy of the time deposit placement certificate (bilyet deposito)
Financial Documents
A copy of the Audited Financial Statements *)
A copy of the Internal Financial Statements *)
A copy of account statements for accounts opened at Other Banks (at least for the last 4 months)
*) Madatory, if any
Fees & Credit Limits
Fees
Facility Fee (Biaya Provisi) / Commission Fee
Administrative Fee
Loan Interest
Penalty for Overdue Loan Payment
Get The Service
BCA branch office
Find nearby BCA branch office location to get the service or product directly
Dengan mengklik ‘Lanjutkan’, Anda akan diarahkan menuju website
di luar www.bca.co.id yang tidak terafiliasi dengam BCA dan mungkin
memiliki tingkat sekuriti yang berbeda. BCA tidak bertanggung jawab
dan tidak mendukung, menjamin, mengendalikan konten, mengendalikan
ketersediaan dan perspektif atas produk-produk atau layanan-layanan
yang ditawarkan atau dinyatakan oleh website tersebut.
