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Easier to get the dream home
Buying a house is easier with a large choice of interest rates, features, developer, and property agent
Installing a house is no longer a burden because of the light and stable installments
No need to worry about Fix and Cap interest rates rising dramatically that causes installments to become heavy
KPR Refinancing
KPR Renovation
Solution for bigger house because of increasing family members or to create a new atmosphere at home
Benefits
Important Information
General Requirements
Document Requirements
Work Type
Personal Documents
Property Documents
Remarks:
ᵅ) Borrower with wife status not separated by assets can use the husband’s NPWP
ᵇ) If joint income (husband/wife income is combined), the spouse’s document must be attached
c) Especially for branches that have implemented appraisal payment in advance
d) The HM/HGB/HMSRS as collateral documents must be in the name of prospective borrowers or spouse
e) Non-Developer only
Personal Documents
Property Documents
Remarks:
ᵅ) Borrower with wife status not separated by assets can use the husband’s NPWP
ᵇ) Especially for businesses in the form of PT & CV legal entities
ᶜ) If joint income (husband/wife income is combined), the spouse documents must be attached
d) Especially for branches that have implemented appraisal payment in advance
e) The HM/HGB/HMSRS as collateral documents must be in the name of prospective borrowers or spouse.
f) Non-Developer Only
Personal Documents
Property Documents
Remarks:
ᵅ) Borrower with wife status not separated by assets can use the husband’s NPWP
ᵇ) Especially for businesses in the form of PT & CV legal entities
ᶜ) If joint income (husband/wife income is combined), the spouse documents must be attached
d) Especially for branches that have implemented appraisal payment in advance
e) The HM/HGB/HMSRS as collateral documents must be in the name of prospective borrowers or spouse
f) Non-Developer Only
Unlock Up to 1% Savings on Your Rate Now!
Celebrate BCA’s 68th Birthday with exclusive promo rates and even greater savings! You can get the preferred rate by placing funds in your KPR BCA autodebit account. Customize your deposit amount according to your needs, when applying for KPR BCA. The more you deposit, the bigger your savings. Here are the options of the preferred rate you can get :
| Information | |
| 0.25% off the rate | 5x initial installment |
| 0.50% off the rate | 8x initial installment |
| 1.00% off the rate | 16x initial installment |
The offer in the table exclusively complements KPR BCA promo rates.
Still Earning Your Savings Interest
Even when you place funds in your KPR BCA autodebit account, your funds will continue to earn interest every month.
Illustration:
With 3-year fixed interest rate of 3.68% eff.p.a., credit limit of Rp. 500 million, and 20-year tenure.
| Installment/ Month in |
Installment/Month | |||
|
1% Off the Rate |
0.5% Off the Rate |
0.25% Off the Rate |
Normal Promo Rate | |
| 1st to 3rd Year | IDR 2,694,000 | IDR 2,818,000 | IDR 2,882,000 | IDR 2,946,000 |
| Fund Placement / Fund Deposit | IDR 43,104,000 | IDR 22,544,000 | IDR 14,410,000 | - |
Illustration:
Saat memilih suku bunga Suku Bunga Fixed Berjenjang 10 Tahun
With 10-year Tiered Fixed Rate, credit limit of Rp. 500 million, and 20-year tenure.
| Installment/ Month in |
Installment/Month | |||
|
1% Off the Rate |
0.5% Off the Rate |
0.25% Off the Rate |
Normal Promo Rate | |
|
1st Year 4.18% eff.p.a. |
IDR 2,818,000 |
IDR 2,946,000 |
IDR 3,011,000 |
IDR 3,078,000 |
|
2nd to 3rd year 5.68% eff.p.a. |
IDR 3,194,000 |
IDR 3,332,000 |
IDR 3,402,000 |
IDR 3,473,000 |
|
4th to 6th Year 7.98% eff.p.a. |
IDR 3,763,000 |
IDR 3,915,000 |
IDR 3,992,000 |
IDR 4,070,000 |
|
7th to 10th Year 9.98% eff.p.a. |
IDR 4,220,000 |
IDR 4,384,000 |
IDR 4,466,000 |
IDR 4,550,000 |
|
Fund Placement / Fund Deposit |
IDR 45,088,000 |
IDR 23,568,000 |
IDR 15,055,000 |
- |
This offer is valid from February 7th to May 31st, 2025
Interest Rates
PROMO RATE (eff. p.a)
| Fixed Rate | Renovasi (eff.p.a) | Minimum Tenor (tahun) Minimum Tenor (year) |
| 1-year fixed | 4.88% | 3 |
| 7.00% | 1 | |
| 2-year fixed | 5.18% | 5 |
| 7.25% | 2 | |
| 3-year fixed | 4.68% | 12 |
| 6.75% | 5 | |
| 7.50% | 3 | |
| 5-year fixed | 5.68% | 12 |
| 6.75% | 10 | |
| 8.25% | 5 | |
| Fix & Cap Rate | Renovasi (eff.p.a) | Minimum Tenor (tahun) Minimum Tenor (year) |
| 2-year fixed | 5.18% | 10 |
| 3-year cap | 8.18% | |
| 2-year fixed | 7.50% | 5 |
| 3-year cap | 9.50% | |
| Tiered Fixed Rate 8 Years | Renovasi (eff.p.a) | Minimum Tenor (tahun) Minimum Tenor (year) |
| 1st to 3rd Year | 5.88% | 8 |
| 4th to 6th Year | 8.98% | |
| 7th to 8th Year | 10.98% | |
| Tiered Fixed Rate 10 Years | Renovasi (eff.p.a) | Minimum Tenor (tahun) Minimum Tenor (year) |
| 1st to 3rd Year | 5.88% | 10 |
| 4th to 6th Year | 8.98% | |
| 7th to 10th Year | 10.98% | |
| Tiered Fixed Rate 10 Years | Renovasi (eff.p.a) | Minimum Tenor (tahun) Minimum Tenor (year) |
| 1st Year | 5.18% | 10 |
| 2nd to 3rd year | 6.68% | |
| 4th to 6th Year | 8.98% | |
| 7th to 10th Year | 10.98% |
REGULER RATES (eff. p.a)
| Fixed Rates | Refinancing |
|
Fixed 1 years |
8.00% |
|
Fixed 2 years |
8.50% |
|
Fixed 3 years |
9.00% |
|
Fixed 5 years |
9.50% |
| Fix Rates & Cap | Refinancing |
|
Fixed 3 years |
9.00% |
|
Cap 2 years |
10.00% |
Note :
The current floating rates for KPR BCA is 11%.
Fees
LOAN APPLICATION FEES
| Credit Limit | Administrative Fees |
|
up to IDR500 Million |
IDR500,000 |
|
> IDR500 Million up to IDR3 Billion |
0.10% of Credit Limit |
|
> IDR3 Billion |
IDR3,000,000 |
INCIDENTAL FEES
Note:
The fees listed above are subject to change at any time according to
the bank's policies. Prior notice will be given to customers in case
of any changes.
Simulation, online apply, approval tracking for home loan all in one place
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