BCA

BCA is the largest private bank in Indonesia and one of the most popular mortgage (KPR) providers. Make your dream home a reality with an interest rate scheme that protects your installments from market fluctuations, backed by full support from the Mirailand team. BCA KPR Interest Rate Promo Period: June – July 2026 Fixed Interest Rate Enjoy certainty in your installments with a fixed rate tailored to your needs and KPR tenor. Fixed 3 Years Purchase Rate | Minimum Tenor 4.39% eff p.a. | 12 Years 5.00% eff p.a. | 8 Years 5.49% eff p.a. | 5 Years 6.89% eff p.a. | 3 Years (free of early repayment penalty) Fixed 5 Years Purchase Rate | Minimum Tenor 5.40% eff p.a. | 12 Years 6.09% eff p.a. | 10 Years 7.09% eff p.a. | 5 Years (free of early repayment penalty) Fixed 8 Years 7.19% eff p.a. (Minimum tenor 15 years) 7.49% eff p.a. (Minimum tenor 10 years) Fixed 10 Years 7.49% eff p.a. Minimum tenor 15 years Fix & Cap Program This program offers a fixed rate at the start of the credit period, followed by a Cap period, during which rate increases are capped so installments remain more manageable before entering the floating rate period. Program Options Fixed 2 Years + Cap 3 Years 4.40% → Cap 7.49% Minimum tenor 10 years 6.69% → Cap 8.49% Minimum tenor 5 years Free of early repayment penalty Tiered Fixed Rate A staged interest rate option to provide installment certainty over a longer period. Tiered Fixed (3 years – 3 years – remaining minimum tenor) Minimum Tenor 8 Years Year 1–3: 4.39% Year 4–6: 7.99% Subsequent years: 9.99% Minimum Tenor 10 Y...