Eligibility Requirements:
- Age: Minimum 18 years or married; maximum age 56 years for employees and 66 years for professionals/entrepreneurs at loan maturity.
- Employees: Minimum of 1 year in the same company or 2 years of total employment. Professionals/Entrepreneurs: Minimum of 2 years in the same field.
- The applicant must cover life and fire insurance with a banker’s clause.
- Payment through auto debit from the applicant’s BCA account.
BCA KPR application steps:
- Step 1: Gather your required documents, including ID, NPWP (if applicable), salary slip, and bank statements.
- Step 2: Ensure you meet the age, employment, and insurance requirements.
- Step 3: Submit your application through the nearest BCA branch or online.
- Step 4: Sign the credit agreement and APHT (Liability Charge Act) if approved.
- Step 5: Start your journey to owning your dream home with BCA KPR!
Frequently Asked Questions:
How long does it take to get approved for a BCA KPR?
The approval time can vary based on the completeness of your application, but BCA aims to provide quick and efficient processing.
Is it required to explain why credit is being used?
Yes, detailing the purpose of your loan, such as property purchase or refinancing, helps in processing your application.
Do I need to have a good credit score to be approved for BCA KPR?
While a good credit score is advantageous, BCA also considers other factors like income stability and employment status.
Can I apply for a loan if I am self-employed?
Yes, BCA KPR is available for self-employed individuals, provided they meet the field experience and income verification requirements.