KPR iB

Home ownership financing with fixed installments for up to 20 years

  • KPR iB
  • Take Over iB
  • KPR iB Productive and Refinancing

KPR iB (Islamic Mortgage) financing is a housing financing facility based on the principles of murabahah. KPR iB from BCA Syariah is applicable for the purchase of ready stock houses, pre-ordered houses (for developers collaborating with BCA Syariah), or take-over of existing mortgage payments with light installments, all with no upfront fees.

BCA Syariah provides financing for the purchase of ready-to-live houses, both from developers and individuals

Enjoy special programs for pre-ordered house financing from BCA Syariah in collaboration with selected developers

BCA Syariah offers a Take Over program for KPR financing


Features and Benefits

Sharia-based Financing
BCA Syariah's KPR iB operates according to Sharia principles, utilizing the Murabahah, Musyarakah Mutanaqisah (MMQ), or Ijarah Muntahiya Bit Tamlik (IMBT) contract.

Installment Certainty
With a pre-agreed margin, customers will have a guaranteed installment until the completion of financing.

Light Installments (Step-Up Installments)
BCA Syariah provides step-up installments, making it easier for customers to pay installments until the financing matures.

Loan Term up to 20 years
Enjoy financing with a term of up to 20 years. This convenience allows customers to get a better-choice home with manageable installments.

KPR Cost can be Paid in Installments of 0% up to 2 years

The installment fees include administration fees, notary fees, life insurance fees and fire insurance fees with a margin of 0% up to 2 years

Take Over Option
Ease of taking over home financing from any bank with attractive offers.

Installment Certainty for up to 15 years for home purchase purposes

Down payment starts from 5%
Only for developer who already collaborate with BCA Syariah

Term of Installment

Program Equivalent Margin (effective p.a/ per annum)
Fix 15 years (without minimum tenor) 7,67%
Fix tiered** (minimum tenor 12 years) 3,67% I First years* 3,99% I First years
5,67% I 2-4 years* 5,99% I 2-4 years
8,67% I 5-7 years* 8,99% I 5-7 years
11,67% I 8-15 years* 11,99% I8-15 years
Margin after fix period using the reference of +4% BI7DRR***
(valdi for KPR iB with Musyarakah Mutanaqishah (MMQ) / Ijarah Muntahiyah Bit Tamlik (IMBT) contract

*) Mandatory to open a savings account and maintain a minimum savings of 2 installments during financing period

**) An early settlement before financing maturity date will be subject to an 1,5% administration fee of the remaining balance

***) BI7DRR is a Bank Indonesia 7 Days Reverse Repo Rate. BI7DRR as of December 2024 is 6%

Period: 4 June - 31 December 2024


KPR iB Can Be Applied By

  • Indonesian citizens (WNI) residing in Indonesia
  • Permanent employees with a minimum of 2 years of employment
  • Entrepreneurs/professionals with a minimum of 2 years of experience
  • Required Documents

Required Documents

  • Employment/business documents
  • Collateral legality documents (specifically for ready stock houses)
  • Booking letter/down payment receipt from the developer (specifically for pre-ordered houses)

 

Apply for Financing

For more information, contact Halo BCA 1500888

 
Get Installment Certainty for Up to 10 years ​with KPR iB Take Over

Take Over iB is the convenience of taking over home financing from any bank with attractive offers.

Installment Rate
Tenor < 10 Years

7% for years 1 to 2

7.5% for years 3 to 10

Tenor > 10 Years

7.75% for years 1 to 10

then based on BI7DDR + 6%

Fee Installment

  • Administration
  • Life & Fire Insurance
  • Notary/Legal Fees
Fee can be paid in installments 0% up to 24 months 

Terms and Conditions

  • The house is already in the name of the customer or spouse, and the building condition is 100% complete

Customer Benefits

  • No minimum term
  • No minimum 

Apply for Financing

Get Installment Certainty for Up To 15 years with KPR iB Refinancing 

Productive iB KPR can be applied for various productive asset ownership investments such as shophouses, machines, warehouses and factory. Refinancing iB KPR can be applied for various consumer needs such as education cost, medical treatment, wedding cost and purchasing for ready-to-build plots.

Features and Benefits

  • Can be used for various consumptive needs such as education, medical treatment, and the purchase of ready-to-build plots
  • KPR fees (administration fees, notary fees, life & fire insurance) can be paid in installments of 0% for 24 months
  • Fixed installments during the fixed period
  • Term up to 15 years
  • Collateral in the form of a house or shop-house
  • Financing with Sharia principles

Term of Installment

Program Equivalent Margin (effective p.a/ per annum)
Fix 15 years (without minimum tenor) 8,67%
Fix tiered** (minimal installment 12 years) 4,67% I First years* 4,99% I First years
6,67% I 2-4 years* 6,99% I 2-4 years
9,67% I 5-7 years* 9,99% I 5-7 years
12,67% I 8-5 years* 12,99% I 8-15 years

Margin after fix period using the reference of +4% BI7DRR***

 

*) Mandatory to open a savings account and maintain a minimum savings of 2 installments during financing period

**) An early settlement before financing maturity date will be subject to an 1,5% administration fee of the remaining balance

***) BI7DRR is a Bank Indonesia 7 Days Reverse Repo Rate

Customer Requirements

  • Indonesian citizens (WNI)
  • Minimum age 21 years or already married
  • Have a minimum of 2 years work/business experience
  • Maximum age at the maturity of financing:
    • 55 years for employees or as stated by the company 
    • 65 years for entrepreneurs/professionals

Document Requirements

  • Personal documents
  • Work/business documents
  • Collateral documents

Apply for Financing

 For more information, contact Halo BCA 1500888