Investment Financing

The right solutions to finance your commercial properties' needs

Why Investment Financing?


Competitive interest rate for certain period

Flexible and Easy

Longer term making the instalments more affordable

Meeting Various Needs

We serve the financing of various types of commercial properties such as : shophouses, warehouses, office unit, and so on

Investment Financing

About the Product Important Information Our Partnership Project Fees, Limits and Interest Rates Get the service

About the Product

The right solution to finance the purchase of commercial property according to your business needs

Important Information

  • Loan Applicants
  • Individual or Business Entity (in the form of PT)
  • Type of Properties
  • Could be shophouses, warehouses, office units from BCA partner developers with indent status, finished buildings, and certificate completely (also not completely) splitted
  • Type of Facility
  • Investment loan for business needs with annuity installments
  • Terms
  • up to 20 years*
  • Loan to Value (LTV)
  • Maks. s.d. 90%*
*for certain type of commercial property

Terms & Conditions for Individuals

  • Over 17 years of age or married
  • Indonesian Citizen
  • In no violation of law and decency
  • Has not been declared bankrupt or in bankruptcy dispute process
  • Good collectibility status (based on SLIK)
  • Syarat dan Ketentuan Perorangan

Terms & Conditions for Documents Required

  • Indonesian legal/business entity
  • Business purpose
  • It is in accordance with the Articles of Association and does not conflict with the law
  • Has not been declared bankrupt or in bankruptcy dispute process
  • Good collectibility status (based on SLIK)

Terms & Conditions for Business Entities (.Ltd)

General Documents:

  • A copy of residence identification card (KTP)
  • A copy of NPWP
  • A copy of Family Identity Card
  • A copy of spouse's ID Card
  • A copy of marriage certificate
  • A copy of divorce / death certificate
  • A copy of ID Cards of the Board of Directors and Commissioners *)
  • A copy of ID Cards of Shareholders’ ID *)

Financial Documents:

  • A copy of Audited Financial Statements (prescribed by the regulations)
  • A copy of Internal Financial Statements
  • A copy of other bank account transaction (last 4 months)

*) for business entity (.ltd) only

Our Partnership Project

Here's our partnership project :

Warehouse / Multipurpose Warehouse

No. Project Cooperation Location
1 Taman Tekno BSD Tangerang
2 Kota Wisata Commpark Cibubur
3 Citra Aeroworld 8 Jakarta
4 Bizpark Commersial Estate BDG Bandung
5 Bizpark Commersial Estate BJM Banjarmasin
6 Citra Aerolink Batam Batam
7 Bizpark Bekasi Bekasi
8 Summarecon Mutiara Makassar Makassar
9 Aeropolis Tangerang
10 Tritan Point Medan Medan
11 Tritan Point Bandung Bandung
12 Tritan Point Taman Sidoarjo
13 Tritan Point Wedi Sidoarjo
14 Tritan Hub Sidoarjo
15 Tritan Point Banyu Urip Surabaya
16 Daan Mogot Eraprima Tangerang
17 Tunas Bitung Tangerang
18 Royal Kosambi Tangerang
19 Kosambi Permai Tangerang
20 Suncity Biz Sidoarjo Sidoarjo
21 Manyar Warehouse Industrial Nusantara Gresik
22 Sentra Lintas Niaga Sidoarjo
23 SiRIE Sidoarjo
24 Driyorejo Kencana Permai Warehouse Sidoarjo
25 Fortune Business & Industrial Park Sidoarjo
26 Eraprima Industrial Park Tangerang
27 Kompleks Industri dan Pergudangan GBK Tangerang
28 Lucky Point Jakarta
29 Safe 'N' Lock Sidoarjo
30 PKT Cikupa 3 Tangerang
31 Multi Bizpark Bekasi
32 Sentral Singosari Malang
33 KL Bizhub Malang
34 Kutawaringin Industrial Park Bandung
35 Arya Elang Mas Tangerang
36 Gedangan Industrial Park Sidoarjo
37 Bizpark Pulogadung Jakarta
38 Lamargas Industrial Park Bandung


No. Project Cooperation Location
1 Citra Towers Jakarta
2 Ciputra International Jakarta
3 Ciputra World I Jakarta
4 Ciputra World II Jakarta
5 The Tower Jakarta
6 Kensington Office Tower Jakarta
7 Menara Tendean Jakarta
8 AKR Tower Jakarta
9 Manhattan Square Jakarta
10 The Arcade Jakarta
11 Proyek Komersial BSD Tangerang
12 Aeropolis Tangerang
13 The Prominence Office Tower Tangerang
14 The Smith Tangerang
15 Pakuwon Center dan Pakuwon Tower Surabaya
16 Spazio Tower Surabaya
17 Praxis Surabaya
18 Ciputra World Office Surabaya
19 Voza Premium Office Surabaya
20 The Royal 55 Office Tower Surabaya
21 Citraland City Losari Makassar
22 Pakuwon Tower Jakarta Jakarta

Shophouses / Store / SOHO

No. Project Cooperation Location
1 Citra Aeroworld 8 Jakarta
2 The Smith Jakarta
3 The Arcade Jakarta
4 Lucky Point Jakarta
5 Proyek Komersial BSD Tangerang
6 Fresh Market Bintaro Tangerang
7 Pasar Modern Graha Raya Tangerang
8 Grand Fortune Tangerang
9 Neo Fiera Tangerang
10 Roseville SOHO & Suite Tangerang
11 Upperwest Tangerang
12 Bizpark Commercial Estate BDG Bandung
13 Tritan Point Bandung Bandung
14 Bizpark Commercial Estate BJM Banjarmasin
15 Kota Wisata Commpark Cibubur
16 Summarecon Bekasi Bekasi
17 Tritan Point Taman Sidoarjo
18 Suncity Biz Sidoarjo Sidoarjo
19 Fortune Business & Industrial Park Sidoarjo
20 Vieloft at Ciputra World Surabaya Surabaya
21 Citraland City Losari Makassar
22 Summarecon Mutiara Makassar Makassar
22 Citra Aerolink Batam Batam
23 Tritan Point Medan Medan
24 Sorong Modern City Sorong

Fees and Limit

  • Provision Fee
  • Loan Administration Fee
  • Interest Rates
  • Fines for Late Payments
  • Notary Fee
  • Penalty (for repayment with certain criteria)
  • Insurance Costs
  • Collateral Appraisal Fee (for finished buildings
Fixed period (year) Minimum Tenor (year) Fixed Term Interest Rate starting from (% p.a.)
1 5 3.75
3 10 6.00
8 6.50
5 7.00
3 7.88
5 10 7.00
8 7.50
5 7.88
8 10 8.50
8 8.88
10 10 8.88

Valid from 1 to 31 June 2024

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