Find various types of flexible BCA mortgage loans, from regular mortgages to multipurpose loans with competitive interest rates and light installments that can be adjusted to your needs.

Buying a house is a dream for many people, and to make it happen, one of the most common solutions is through a Home Ownership Credit (KPR).

Bank Central Asia (BCA) understands the importance of owning your own home, and therefore they offer various types of mortgage loans that can be tailored to the customer’s needs and financial capabilities.

From mortgages for home purchases to multipurpose loans with property collateral, BCA provides a variety of options with various attractive features.

Here is a more detailed explanation of the types of BCA mortgage loans that can help you realize your dream of owning a home.

1. Home Ownership Credit (KPR)

KPR BCA is a loan product specifically designed to help customers who want to buy a new or used house, renovate an existing house, or even meet other home ownership-related needs.

One of the main attractions of BCA KPR is the ease and flexibility in choosing the type of interest rate that suits the customer’s financial condition. Customers can choose a fixed rate or a floating rate, depending on their preferences and financial situation.

The process of applying for a BCA Mortgage is quite easy, and usually the submitted documents will be processed in about 1 to 2 weeks.

In terms of installment payments, customers also have the freedom to choose the installment tenor that suits their abilities, ranging from several years to tens of years.

With competitive interest rates and a relatively fast process, BCA mortgages are the choice of many people who want to own a house with light and flexible installments.

2. Apartment Ownership Credit (KPA)

For those of you who are planning to buy an apartment, BCA also offers an Apartment Ownership Credit (KPA) product. KPA BCA has very attractive features, especially for those who want to buy an apartment with a lower interest rate and lighter installments.

One of the leading products in the KPA category is the KPA Fix Rate, where customers can choose a fixed interest rate for a certain period throughout the loan period.

The main advantage of KPA BCA Fix Rate is the certainty of stable interest, so you don’t need to worry about interest rate fluctuations that can increase installments.

KPA BCA also collaborates with various well-known developers, providing more apartment options that you can choose according to your needs. In addition, this product allows you to top up your loan or pay off your loan faster without additional burdensome costs.

However, there are several fees that need to be considered, such as provision fees, administration fees, and accelerated repayment fees. Make sure to understand all the associated costs before applying for a mortgage so you can plan your finances better.

3. KPR Xtra

BCA understands that its customers’ needs are constantly evolving, and therefore they offer the KPR Xtra product which gives customers more freedom in managing their installments.

One of the most popular variants of KPR Xtra is KPR Xtra Duo, where customers can enjoy lighter installments compared to regular KPR.

The main advantage of KPR Xtra is the excess funds from lighter installments, which can be used for various personal needs such as future investments, children’s education funds, or reserve funds for emergencies.

In addition, customers also have the option to extend the installment period without having to go through a re-analysis process or pay a provision fee, as long as the option meets the specified requirements.

With KPR Xtra, you can have your dream home with lighter and more flexible installments, which will certainly be very beneficial for those of you who have a fluctuating income or need more freedom in financial management.

4. Mortgage Refinancing

BCA also offers KPR Refinancing, a loan product that allows customers who already own a house to pledge their property to get a new loan.

This loan is often referred to as a multipurpose loan because the funds obtained can be used for various purposes, such as home renovation, business capital, or even for other personal needs.

With KPR Refinancing, you can get a large amount of cash by pledging a house that you already own. This gives you more flexibility if you need fresh funds without having to sell assets that you already own.

In addition, the funds can be used according to your needs, giving you the freedom to manage your personal finances.

However, it should be noted that KPR Refinancing also has a number of costs that must be considered, such as accelerated repayment fees, administration fees, and late payment fees.

It is advisable to understand all the costs involved and consider your financial capabilities before applying for KPR Refinancing.

5. Sharia mortgage

BCA also provides Sharia KPR for customers who want loans in accordance with sharia principles. BCA’s Sharia Mortgage product works based on a sale and purchase or lease purchase system, where BCA buys the property desired by the customer and resells it at a mutually agreed price, with installments to be paid by the customer.

The advantage of Sharia KPR is that there is no interest, which replaces the interest system with a fixed profit margin.

This makes Sharia Mortgage the right choice for customers who want to own a house in accordance with Islamic sharia principles. In addition, this product also offers flexibility in choosing installment tenors and a relatively easy application process.

6. Mandiri Mortgage and Other Facilities

In addition to the above products, BCA also offers KPR Mandiri which allows customers to apply for a loan with a guarantee of a previously owned house certificate. This gives customers more freedom to purchase a new home, a larger home, or even to renovate an existing home.

KPR Mandiri also offers a variety of tenor options and competitive interest rates, allowing you to adjust your installments to your financial condition.

This facility is very suitable for customers who want to improve their quality of life by buying a new house or enlarging the property they already own.

BCA offers various types of mortgage loans that can be tailored to customer needs and preferences, ranging from purchasing a house, apartment, to multi-purpose loans with collateral in the form of property that is already owned.

With a variety of product choices, competitive interest rates, and installments that can be adjusted to your financial capabilities, BRI Mortgage and BCA offer excellent options for those of you who want to own your dream home or property.

Make sure to understand each type of mortgage product offered and adjust it to your financial situation to ensure the most appropriate loan for you.