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Beranda / Artikel / Pembiayaan

Tabel Angsuran KPR BCA Terbaru Lengkap dengan Syarat, Biaya, dan Bunganya

24 Des 2024 5 mins read Author: Emier Abdul Fiqih P Editor: Elmi Rahmatika
Editor: Elmi Rahmatika

Artikel Terpopuler

tabel angsuran KPR BCA

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

kalkulator dan rumah

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

syarat dan tabel angsuran KPR 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
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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Emier Abdul Fiqih P

Emier Abdul Fiqih P

Content Writer

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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