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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)
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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-Compliant Financing
- KKB iB BCA Syariah is a financing facility in accordance with sharia principles using the Murabahah contract (akad).
Fixed Installments Certainty up to 8 Years
- With the agreed-upon margin/ujrah/profit-sharing rate agreed upon at the inception, customer will received fixed monthly installment until the financing period maturity.
- The first installment payment starts in following month.
Minimum Down Payment of 15%
Margin Terms and Condition
Period: January 1 - December 31, 2026
New Car (conventional)
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Financing Period
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Margin (flat P.A)
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|---|---|
| 1 - 3 years | 3,38% |
| 4-5 years | 3,88% |
| 6-8 years | 5,88% |
Electric Vehicle
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Financing Period
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Margin (flat P.A)
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|---|---|
| 1 - 3 years | 3,28% |
| 4 - 5 years | 3,74% |
Used Car (conventional)
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Financing Period
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Margin Mobil (flat P.A)
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|---|---|
| 1 year | 6,62% |
| 2 year | 6,49% |
| 3 year | 6,52% |
| 4 year | 6,60% |
| 5 year | 6,69% |
| 6 year | 6,79% |
Customer Requirements
- Indonesian Citizen (WNI)
- Minimum age of 21 years
- Maximum age at financing maturity:
- 55 years for employees (or as stipulated by the company's official statement)
- 65 years for entrepreneurs/professionals
- Minimum of 2 years of working or business experience
Required Documents
- Personal identification documents.
- Employment or business documentation.
- Vehicle legality documents.
Financing Simulation Apply for Financing
For more information, contact Halo BCA 1500888
