PRODUCTS AND SERVICES

KKB iB

KKB iB is a car financing by BCA Syariah based on sharia principles for new car ownership (conventional and electric) and used cars (conventional)

KKB iB BCA Syariah is financing provided by BCA Syariah to customers based on Sharia principles with the aim of owning or purchasing new or used car.

Financing facility for the purchase of a new car with a term of up to 8 years (certain car types or brands)

 Financing facility for the purchase of used cars with a tenure of up to 6 years, both used cars from showrooms or from individual sellers.

Financing facility for the purchase of new electric cars with a term of up to 5 years

Features & Benefits

Sharia-based Financing

  • KKB iB BCA Syariah is a financing facility in accordance with Sharia principles using the Murabahah contract.

Low Costs

  • Low Total Initial Payment, Down Payment (DP) is only 15%.
  • The first installment payment is made in the following month (in arrear)
  • Customers are given the option of free life insurance for a maximum period of up to 4 years

Installment Certainty

  • With the agreed-upon margin at the beginning, the customer's monthly installment amount is predetermined and the installment amount will remain the same/constant until the end of the financing period.

Trusted

  • Partnership with dealers partner

Financing Term up to 8 years

Apply for used car financing 

Margin Requirement 
Program Period : 2 Januari - 31 Desember 2025

New Car (conventional)

Financing Period
Margin ( flat p.a*)
1 - 3 years 3,38%
4-5 years 3,88%
6-8 years 5,88%


Electric Vehicle 

Financing Period
Margin ( flat p.a*)
1 - 3 years 3,28%
4 - 5 years 3,74%


Used Car (conventional)

Financing Period
Margin Mobil ( flat p.a*)
1 year 6,62%
2 year 6,49%
3 year 6,52%
4 year 6,60%
5 year 6,69%
6 year 6,79%


notes:

  • Margin calculation will use effective calculation (converted from flat margin) and will be used at the sign of the financing contract (akad)
  • *) Per annum / per year 
KKB iB can be applied by
  • Permanent employees with a minimum of 2 years of service.
  • Entrepreneurs/professionals with a minimum of 2 years of experience.

Required Documents

  • Personal documents.
  • Occupational/business documents.
  • Vehicle legality documents (copy of BPKB and STNK).
  • Booking letter/deposit receipt from the dealer (specifically for new cars).

 

Financing Simulation Apply for Financing

For more information, contact Halo BCA 1500888