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Loan for every needs
Loans without collateral up to IDR 100,000,000
Easy and quick application process
Low-interest rate from 1% with light installment terms from 1, 2, and 3 years
Personal Loan
Personal Loan
BCA Personal Loan is a loan without collateral that can be used for various customer needs, whose payment can be paid monthly.
Important Information
Requirements
Document Requirements
Documents required according to the customer’s occupation
| Document Type | Original/Copy | Employee | Entrepreneur | Professional |
|
Application Form |
Asli |
√ |
√ |
√ |
|
e-KTP |
Copy |
√ |
√ |
√ |
|
Business License/TDI/TDP/Practice License* |
Copy |
- |
√ |
√ |
|
Income Statement/Salary Slip** |
Copy |
√ |
√ |
√ |
|
NPWP*** |
Copy |
√ |
√ |
√ |
All documents submitted are not returnable.
√ = must be completed
*) requested only when needed.
**) a copy of the income
statement/salary slip must be produced by employees whose place of work does not subscribe to the Payroll BCA
facility; and a copy of
the main bank account other than BCA for the past 3 (three) months for entrepreneurs and professionals.
***)
for loan applications up to Rp 50 million, if the applicant does not have an NPWP, a statement must be produced
stating that they don’t
have one.
Fees
|
Detail |
Fees |
|
Provision Fee |
1% of the approved loan or a minimum of Rp100.000 |
|
Installment interest rate (flat) |
|
|
Late fees |
0.28% per day |
|
Administrative costs of expedited repayment |
Rp200,000 (repayment can be made at least after 6 (six) installment payments). |
Simulasi Cicilan Personal Loan
| Plafond | Cicilan per Bulan* | ||
| Tenor 1 Tahun | Tenor 2 Tahun | Tenor 3 Tahun | |
|
Interest |
1% |
1.03% |
1.07% |
|
Rp5,000,000 |
466,667 |
259,833 |
192,389 |
|
Rp6,000,000 |
560,000 |
311,800 |
230,867 |
|
Rp7,000,000 |
653,333 |
363,767 |
269,344 |
|
Rp8,000,000 |
746,667 |
415,733 |
307,822 |
|
Rp9,000,000 |
840,000 |
467,700 |
346,300 |
|
Rp10,000,000 |
933,333 |
519,667 |
384,778 |
|
Rp11,000,000 |
1,026,667 |
571,633 |
423,256 |
|
Rp12,000,000 |
1,120,000 |
623,600 |
461,733 |
|
Rp13,000,000 |
1,213,333 |
675,567 |
500,211 |
|
Rp14,000,000 |
1,306,667 |
727,533 |
538,689 |
|
Rp15,000,000 |
1,400,000 |
779,500 |
577,167 |
|
Rp16,000,000 |
1,493,333 |
831,467 |
615,644 |
|
Rp17,000,000 |
1,586,667 |
883,433 |
654,122 |
|
Rp18,000,000 |
1,680,000 |
935,400 |
692,600 |
|
Rp19,000,000 |
1,773,333 |
987,367 |
731,078 |
|
Rp20,000,000 |
1,866,667 |
1,039,333 |
769,556 |
|
Rp25,000,000 |
2,333,333 |
1,299,167 |
961,944 |
|
Rp30,000,000 |
2,800,000 |
1,559,000 |
1,154,333 |
|
Rp35,000,000 |
3,266,667 |
1,818,833 |
1,346,722 |
|
Rp40,000,000 |
3,733,333 |
2,078,667 |
1,539,111 |
|
Rp45,000,000 |
4,200,000 |
2,338,500 |
1,731,500 |
|
Rp50,000,000 |
4,666,667 |
2,598,333 |
1,923,889 |
|
Rp60,000,000 |
5,600,000 |
3,118,000 |
2,308,667 |
|
Rp70,000,000 |
6,533,333 |
3,637,667 |
2,693,444 |
|
Rp80,000,000 |
7,466,667 |
4,157,333 |
3,078,222 |
|
Rp90,000,000 |
8,400,000 |
4,677,000 |
3,463,000 |
|
Rp100,000,000 |
9,333,333 |
5,196,667 |
3,847,778 |
*Angsuran maksimal 1/3x gaji
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