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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