KPR BCA offers a variety of attractive interest rate options, making it easier for you to choose a home financing product that suits your needs and budget.
Home Ownership Credit (KPR) is a very popular financing solution for those who want to own a home but are not yet able to pay in cash.
Bank BCA, as one of the largest financial institutions in Indonesia, offers various mortgage products with competitive interest rates and a variety of choices according to customer needs.
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In this article, we will discuss more deeply about BCA mortgage interest rates, mortgage products offered, and how to apply for BCA mortgage easily and quickly.
BCA Mortgage Products
BCA offers several types of mortgage products that can be tailored to your needs. These BCA Mortgage products are:
1. Purchase Mortgage
This product is intended for those of you who want to buy a house, apartment, shophouse, or other property, either new or used.
KPR Purchase BCA has various advantages, such as low interest, an application process that can be done online, and many choices of developers and property agents that make it easy for you to buy your dream property.
2. Mortgage Refinancing
If you already own a property but need additional funds, KPR Refinancing could be an option. This product allows you to apply for a loan using a property you already own as collateral. KPR Refinancing BCA provides easy and fast financing solutions for your various financial needs.
3. Renovation Mortgage
BCA also provides KPR Renovasi products for those of you who want to repair, expand, or renovate your home. This product gives you access to funds to create a new atmosphere in your home without having to sell your existing property.
BCA Mortgage Interest Rate
Interest rates are one of the most important things to consider when applying for a mortgage. BCA offers a variety of mortgage interest rates that can be adjusted to your financial capabilities.
There are two types of interest rates offered by BCA: fixed rate and floating rate. Here are the details of the interest rates offered by BCA:
1. Fixed Rate Interest Rate
BCA provides a fixed rate interest rate starting from 2.66 % for the first year with a minimum credit period of 10 years. This interest is fixed for a certain period, providing stability for you in planning monthly installments.
2. Fixed & Cap Interest Rates
In addition, BCA also offers fixed & cap interest rates, with a fixed interest of 3.66% for the first year and 6.66% for the third year, which also applies to a minimum tenor of 10 years. This gives you flexibility if you choose a longer tenor.
3. Tiered Fixed Interest Rates
BCA offers a tiered fixed interest rate with an interest rate starting from 4.25 % in the first year to the third year.
This interest rate will increase after the first period, but provides a more affordable option at the beginning of the credit period.
4. Floating Rate Interest Rate
For customers who choose a floating rate, BCA mortgage interest rates can start from 11%. This interest rate will change following market interest rate movements, and although it is not fixed, this option can be beneficial for those of you who plan to pay off credit faster.
Apply for BCA Mortgage Online
To make it easier for customers to apply for a mortgage, BCA presents RumahSaya BCA, an online platform that allows you to apply for a mortgage quickly and easily. Some of the advantages of applying for a BCA mortgage through RumahSaya BCA are:
1. Easy and Fast Application Process
By using the RumahSaya BCA platform, you can apply for a mortgage easily without having to come directly to the bank. All processes can be done online, which saves you time.
2. Low Submission Fees
The KPR application process through RumahSaya BCA does not incur large fees, making it more affordable for many people who want to own a home.
3. Low Interest Rate Options
RumahSaya BCA offers a variety of low interest rate options that can be selected according to your preferences and capabilities.
4. Flexible Term
You can choose a credit term of up to 20 years, providing convenience and flexibility in monthly installment payments.
5. Process Transparency
RumahSaya BCA provides a KPR Tracking feature, which allows you to track the status of your KPR application in real-time. You can also calculate mortgage installment simulations easily through this platform.
6. Affordable Down Payment
DP (Down Payment) or down payment for BCA mortgage starts from 5%, with light installments and low and stable floating interest rates.
Requirements for Applying for BCA Mortgage
To apply for a BCA mortgage, there are several requirements that need to be met. Here are the general requirements that you must meet before applying for a BCA mortgage:
- Indonesian Citizens: KPR applicants must be Indonesian citizens who have official identification such as a KTP.
- Age: Minimum applicant age is 18 years and maximum age is 55 years (for employees) or 65 years (for self-employed/professionals) when the credit ends.
- Employment and Income: Employees who have worked for at least 1 year or self-employed/professionals who have at least 2 years of experience in the same field, and have a steady income.
- Insurance: Mortgage applicants must be willing to take out life and fire insurance under certain conditions, and be willing to sign a credit agreement.
- Payment via Autodebit: Mortgage installment payments must be made via autodebit from the BCA account owned by the applicant.
Additional Fees & Simulations When Applying for BCA Mortgage
There are several additional costs that need to be considered when applying for a BCA mortgage, including administration fees, appraisal fees, insurance fees, notary fees, and other fees that may change according to BCA policy. Therefore, make sure you understand all related costs before applying for a mortgage.
To make it easier for you to calculate BCA mortgage installments, BCA provides a mortgage simulation that can be accessed via the website or RumahSaya BCA. By using this simulation, you can calculate the amount of monthly installments, interest, and the total loan to be paid.
KPR BCA is one of the best home financing solutions in Indonesia, with a variety of competitive interest rates, flexible terms, and an easy application process.
With a variety of mortgage products offered, ranging from Purchase Mortgages, Refinancing Mortgages, to Renovation Mortgages, BCA ensures that every customer can find the right solution to meet their property needs. So, if you are looking for a way to have your dream home, KPR BRI can be the right choice.
