Eligibility Requirements:
- Age: Minimum 21 years or married; maximum age 64 years at loan maturity.
- Permanent Employees: Minimum of 2 years in the current position. Self-Employed/Professionals: Minimum of 2 years in the current field.
- Insurance Requirement: Comprehensive insurance for the first year, with TLO for subsequent years.
- Payment: Monthly installments via auto-debit from a BCA account.
BCA KKB application steps:
- Step 1: Choose whether you want to apply for KKB Pembelian or KKB Refinancing.
- Step 2: Gather required documents, including ID, spouse’s ID, marriage certificate (if applicable), and vehicle documents (STNK and BPKB for refinancing).
- Step 3: Ensure you meet the age, employment, and insurance requirements.
- Step 4: Submit your application at the nearest BCA branch or online.
- Step 5: Await approval and sign the financing agreement.
- Step 6: Start enjoying your new vehicle or benefit from refinancing with BCA KKB!
Frequently Asked Questions:
How long does it take to get approved for a BCA KKB?
Approval time varies based on the completeness of your application, but BCA aims for a quick and efficient process.
Is it required to explain why credit is being used?
Yes, detailing the purpose of your loan, such as vehicle purchase or refinancing, helps in processing your application.
Do I need to have a good credit score to be approved for BCA KKB?
While a good credit score is beneficial, BCA also considers other factors like income stability and employment status.
Can I apply for a loan if I am self-employed?
Yes, BCA KKB is available for self-employed individuals, provided they meet the field experience and income verification requirements.