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Secured Personal Loan

Investment-backed secured credit facility

Why Secured Personal Loan?

Flexible

Meet your liquidity needs without having to sell your investment assets

Secure

Retain your investment return

Competitive

Financing available up to 90% of the collateral

Secured Personal Loan

About Important Information Get the Service

About

This credit facility is collateralized by investment products, designed for consumption financing and specific borrowing characteristics.

Important Information

Requirements

  • Must be an Indonesian citizen.
  • The applicant must be at least 18 years old (or married) and no older than 65 years old at the time of loan repayment.
  • The name of the collateral owner must match that of the prospective borrower or their spouse, without separation of assets.
  • Submit the necessary documents and complete the Secured Personal Loan Application Form.

Key Features

  • The credit ceiling is established with a minimum of IDR150 million and a maximum of IDR5 billion.
  • The loan tenor ranges from a minimum of 6 months to a maximum of 5 years.
  • Eligible investment products that may be used as collateral include Obligasi Negara Ritel (ORI), Sukuk Negara Ritel(SR), and Fixed Rate (FR), in compliance with BCA regulations.
  • Monthly installment payments may be automatically debited from Savings Account.
  • Financing available up to 90% of the value of the investment held.

Benefits

  • Meet liquidity needs without having to sell your investment product ownership.
  • Competitive interest rates.
  • Simple and fast process with no appraisal requirements.
  • Continue to receive returns from the pledged investments.

Risks

  • Should the borrow default, any additional costs incurred will be charged to the borrower.
  • Defaults due to payment arrears will result in the sale of the investment products pledged as collateral for credit repayment
  • In instances where the market value of the ORI/SR/FR decreases to 105% or lower, the borrower must either remit payment toward the outstanding balance or provide additional ORI/SR/FR of the same series as supplementary collateral. If no action is taken within 5 business days, the sale of the pledged investment product will proceed for credit repayment.
  • Late payments will be recorded in the Sistem Layanan Informasi Keuangan (SLIK), thus affecting the borrower’s credit history.

Fees

  • Loan Application Fees
    • Provision fee: 0.5% of the loan ceiling
    • Administration fee: IDR500,000 – IDR1,000,000
  • Incidental Fees
    • Penalty fee: 0.2% per day for any delays

Simulation 1)

  • Loan Type: BCA Secured Personal Loan
  • Credit Limit: IDR750,000,000
  • Loan Tenure: 60 month
  • Collateral Type: FR0089
  • Interest Rates: 7.75% p.a.
  • Installment Detail: IDR15,117,719.81 per month
  • Penalty Fee: 0.2% per day
  • Provision Fee: IDR3,750,000
  • Administration fee: IDR500,000
Principal amount Total Estimated Cost & Incidental 2) Total interest payable 3) Total repayment amount 4)

IDR750,000,000

IDR4,250,000

IDR157,063,188.79

IDR911,313,188.79

Last update: 12 December 2022

Notes:

1) This simulation is a tool to provide an approximate calculation and is not intended to serve as a recommendation.

2) Incidental costs are estimates and include provision and administration fees but exclude other costs related to the BCA Secured Personal Loan.

3) The interest calculation is based on an assumed floating interest rate of 7,75%

4) The total repayment cost consists of the loan principal, loan application and incidental fees, and total interest.

Additional Information

  • Changes in the interest rate will affect the monthly installment amount.
  • BCA reserves the right to revise the product and/or service benefits, costs, risks, and terms, with notice provided through appropriate communication channels at least 30 working days before the changes take effect.
  • Borrowers must maintain sufficient funds in their designated debit account to cover the repayment of BCA Secured Personal Loan (principal and interest).
  • For more details on costs, benefits, and risks, please visit BCA's official website at www.bca.co.id


Get the Service

For further assistance, please contact your designated Branch or Relationship Officer.

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