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Tabel Angsuran KPR BCA Terbaru Lengkap dengan Syarat, Biaya, dan Bunganya
24 Desember 2024 · 5 min read Author: Emier Abdul Fiqih P · Editor: Elmi Rahmatika
Masih ragu untuk mengajukan kredit di BCA? Baca sampai tuntas ulasan seputar persyaratan hingga tabel angsuran KPR BCA di bawah ini!
Mempunyai rumah sendiri adalah impian hampir setiap orang.
Sayangnya, harga rumah yang makin melambung tinggi kerap jadi batu sandungan bagi sebagian orang dalam mewujudkan hunian idaman.
Untuk itu, banyak bank di Indonesia menawarkan layanan berupa Kredit Pemilikan Rumah atau KPR, termasuk Bank BCA.
Jika kamu masih ragu untuk mengajukan KPR di BCA, tak perlu khawatir.
Simak ulasan lengkap persyaratan, suku bunga, hingga tabel angsuran KPR BCA di sini!
Persyaratan KPR BCA
Umumnya, kamu harus memenuhi beberapa persyaratan agar KPR yang diajukan bisa diterima.
Inilah persyaratan umum KPR BCA yang wajib kamu penuhi:
- Warga Negara Indonesia (WNI) berusia minimal 18 tahun atau sudah menikah
- Telah bekerja minimal 1 tahun di perusahaan terakhir, atau mempunyai pengalaman kerja minimal 2 tahun
- Wiraswasta atau profesional yang telah bekerja minimal 2 tahun di bidang yang sama
- Untuk pengusaha dan wiraswasta, berusia maksimal 65 tahun saat kredit berakhir
- Untuk karyawan, berusia maksimal 55 tahun saat kredit berakhir
- Wajib menutup asuransi dengan syarat banker’s clause
- Bersedia menandatangani perjanjian kredit dan Akta Pembebanan Hak Tanggungan (APHT)
- Pembayaran lewat autodebet dari rekening BCA pemohon
Dokumen yang Harus Dipersiapkan
Setelah memenuhi persyaratan di atas, kamu bisa mulai menyiapkan dokumen-dokumen untuk pengajuan.
Berikut adalah persyaratan dokumen yang perlu diketahui jika ingin mengajukan KPR BCA:
- Fotokopi e-KTP pemohon
- Fotokopi KTP pasangan (suami/istri)
- Fotokopi KK
- Fotokopi NPWP pemohon
- Slip gaji atau surat keterangan asli penghasilan 1 bulan terakhir
- Fotokopi rekening koran 3 bulan terakhir
- Pernyataan asli kredit pemilikan properti yang sedang diajukan atau sudah dimiliki
- Akta nikah/cerai/kematian pasangan
- Akta pisah harta yang sudah didaftarkan ke KUA atau catatan sipil (jika ada)
- Surat pemesanan rumah developer atau surat pengantar broker
- Bukti pembayaran appraisal
- Fotokopi izin praktik, NPWP badan usaha untuk pengusaha
- Fotokopi NPWP badan usaha, SIUP, TDP, dan akta pendirian/perubahan terkini untuk wiraswasta
Suku Bunga KPR BCA
KPR Bank BCA menawarkan suku bunga yang beragam dan juga kompetitif.
Suka bunga tersebut meliputi suku bunga reguler.
Berikut rincian suku bunga KPR pembelian BCA.
KPR Pembelian
Suku Bunga Promo (eff.p.a)
| Suku Bunga Fixed | Pembelian (eff.p.a) | Minimum Tenor |
| Fixed 1 tahun | 2,79% | 3 tahun |
| 4,15% | 2 tahun | |
| 4,65% | 1 tahun | |
| Fixed 2 tahun | 3,79% | 5 tahun |
| 5,15% | 3 tahun | |
| 5,65% | 2 tahun | |
| Fixed 3 tahun | 3,79% | 12 tahun |
| 4,40% | 10 tahun | |
| 5,40% | 5 tahun | |
| 6,15% | 3 tahun | |
| Fixed 5 tahun | 4,79% | 12 tahun |
| 5,40% | 10 tahun | |
| 6,15% | 7 tahun | |
| 6,90% | 5 tahun | |
| Fixed 8 tahun | 6,79% | 15 tahun |
| 7,15% | 10 tahun | |
| 7,40% | 8 tahun | |
| Fixed 10 tahun | 7,15% | 15 tahun |
| 7,65% | 10 tahun | |
| Suku Bunga Fix & Cap | Pembelian (eff.p.a) | Minimum Tenor |
| Fixed 2 tahun | 3,79% | 10 tahun |
| Cap 3 tahun | 6,79% | |
| Fixed 2 tahun | 6,15% | 5 tahun |
| Cap 3 tahun | 8,15% | |
| Suku Bunga Fixed Berjenjang 8 Tahun | Pembelian(eff.p.a) | Minimum Tenor |
| Tahun ke 1 s.d 3 | 4,79% | 8 tahun |
| Tahun ke 4 s.d 6 | 8,10% | |
| Tahun ke 7 s.d 8 | 10,10% | |
| Suku Bunga Fixed Berjenjang 10 Tahun | Pembelian(eff.p.a) | Minimum Tenor |
| Tahun ke 1 s.d 3 | 4,79% | 10 tahun |
| Tahun ke 4 s.d 6 | 8,10% | |
| Tahun ke 7 s.d 10 | 10,10% | |
| Suku Bunga Fixed Berjenjang 10 Tahun | Pembelian(eff.p.a) | Minimum Tenor |
| Tahun ke 1 | 2,79% | 10 tahun |
| Tahun ke 2 s.d 3 | 5,79% | |
| Tahun ke 4 s.d 6 | 8,10% | |
| Tahun ke 7 s.d 10 | 10,10% |
Suku Bunga Reguler (eff.p.a)
| Suku Bunga Fixed | Pembelian (eff.p.a) |
| Fixed 1 tahun | 7,00% |
| Fixed 2 tahun | 7,50% |
| Fixed 3 tahun | 8,00% |
| Fixed 5 Tahun | 8,50% |
| Suku Bunga Fix & Cap | Pembelian (eff.p.a) |
| Fixed 3 tahun | 8,00% |
| Cap 2 tahun | 9,00% |
KPR Refinancing/Renovasi
| Suku Bunga Fixed | Refinancing/Renovasi (eff.p.a) | Minimum Tenor |
| Fixed 1 Tahun | 3,79% | 3 Tahun |
| 5,15% | 2 Tahun | |
| 5,65% | 1 Tahun | |
| Fixed 2 Tahun | 4,79% | 5 Tahun |
| 6,15% | 3 Tahun | |
| 6,65% | 2 Tahun | |
| Fixed 3 Tahun | 4,79% | 12 Tahun |
| 5,40% | 10 Tahun | |
| 6,40% | 5 Tahun | |
| 7,15% | 3 Tahun | |
| Fixed 5 Tahun | 5,79% | 12 Tahun |
| 6,40% | 10 Tahun | |
| 7,15% | 7 Tahun | |
| 7,90% | 5 Tahun | |
| Suku Bunga Fix & Cap | Refinancing/Renovasi (eff.p.a) | Minimum Tenor |
| Fixed 2 Tahun | 4,79% | 10 Tahun |
| Cap 3 Tahun | 7,79% | |
| Fixed 2 Tahun | 7,15% | 5 Tahun |
| Cap 3 Tahun | 9,15% | |
| Suku Bunga Fixed Berjenjang 8 Tahun | Refinancing/Renovasi (eff.p.a) | Minimum Tenor |
| Tahun 1 ke 3 | 5,79% | 8 Tahun |
| Tahun 4 ke 6 | 9,10% | |
| Tahun 7 ke 8 | 11,10% | |
| Suku Bunga Fixed Berjenjang 10 Tahun | Refinancing/Renovasi (eff.p.a) | Minimum Tenor |
| Tahun 1 ke 3 | 5,79% | 10 Tahun |
| Tahun 4 ke 6 | 9,10% | |
| Tahun 7 ke 10 | 11,10% | |
| Suku Bunga Fixed Berjenjang 10 Tahun | Refinancing/Renovasi (eff.p.a) | Minimum Tenor |
| Tahun 1 | 3,79% | 10 Tahun |
| Tahun 2 ke 3 | 6,79% | |
| Tahun 4 ke 6 | 9,10% | |
| Tahun 7 ke 10 | 11,10% |
Suku Bunga Reguler (eff.p.a)
| Suku Bunga Fixed | Refinancing/Renovasi (eff.p.a) |
| Fixed 1 Tahun | 8,00% |
| Fixed 2 Tahun | 8,50% |
| Fixed 3 Tahun | 9,00% |
| Fixed 5 Tahun | 9,50% |
| Suku Bunga Fix & Cap | Refinancing/Renovasi (eff.p.a) |
| Fixed 3 Tahun | 9,00% |
| Cap 2 Tahun | 10,00% |
Adapun, berikut adalah catatan yang harus diperhatikan dari suku bunga di atas.
- Setelah jangka waktu suku bunga fix berakhir, suku bunga yang berlaku adalah suku bunga floating dan akan ditinjau setiap 6 bulan sekali.
- Rincian di atas adalah simulasi, bukan merupakan persetujuan kredit.
- Terdapat biaya lain seperti administrasi, appraisal, asuransi jiwa, asuransi kebakaran, notaris. Rincian biaya tersebut akan didapat setelah keputusan kredit diterima pemohon.
*suku bunga bisa berubah sewaktu-waktu tanpa pemberitahuan
Biaya KPR Bank BCA
Tak hanya menghitung bunganya saja, kamu juga harus mempersiapkan beberapa biaya lain jika kamu ingin mengajukan KPR di Bank BCA.
Beberapa biaya yang harus disiapkan antara lain sebagai berikut:
- Biaya provinsi sebesar 1 persen dari jumlah pinjaman yang telah disetujui
- Biaya administrasi minimal Rp500 ribu dan maksimal Rp1 juta
- Biaya pelunasan dipercepat sebesar 2 persen dari sisa pokok pinjaman
- Biaya keterlambatan pembayaran 0,133 persen dari angsuran bulanan
- Biaya asuransi yang sudah ditetapkan
Tabel Angsuran KPR BCA
Untuk memudahkanmu, ada tabel angsuran KPR BCA di atas yang bisa dijadikan sebagai rujukan.
Tabel ini bisa digunakan untuk menghitung atau memperkirakan besaran cicilan yang harus dibayarkan setiap bulannya.
Meski begitu, perlu diingat bahwa tabel angsuran ini dihitung berdasarkan suku bunga floating dan bukan perhitungan dengan suku bunga promo.
Untuk itu, tabel angsuran tersebut bisa berubah sewaktu-waktu tanpa pemberitahuan.
Menariknya, Bank BCA juga sudah bekerja sama dengan berbagai developer untuk pengajuan KPR, seperti Summarecon, Sinar Mas Land untuk sejumlah proyek di BSD City, dan lainnya.
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***
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Menjadi penulis di 99 Group sejak 2022 yang berfokus pada artikel properti, gaya hidup, dan teknologi. Lulusan S2 Linguistik UPI ini sempat berprofesi sebagai copy editor dan penyunting buku. Senang menonton film dan membaca novel di waktu senggang.
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