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

Fixed Interest Rate

Enjoy installment certainty with a fixed interest rate tailored to your needs and KPR tenor.

3-Year Fixed

Purchase RateMinimum Tenor4.39% 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 fees)

5-Year Fixed

Purchase RateMinimum Tenor5.40% eff p.a. | 12 Years
6.09% eff p.a. | 10 Years
7.09% eff p.a. | 5 Years (free of early repayment penalty fees)

8-Year Fixed

• 7.19% eff p.a. (Minimum tenor 15 years) 
• 7.49% eff p.a. (Minimum tenor 10 years) 

10-Year Fixed

• 7.49% eff p.a.
•  Minimum tenor 15 years

Fix & Cap Program

This program provides a fixed interest rate at the beginning of the credit period, followed by a Cap period, during which interest rate increases are capped so that installments remain more manageable before entering the floating rate period.

Program Options

2-Year Fixed + 3-Year Cap

• 4.40% → Cap 7.49%
  •  Minimum tenor 10 years
• 6.69% → Cap 8.49%
  •  Minimum tenor 5 years
  •  Free of early repayment penalty fees 

Tiered Fixed

Tiered interest rate options to provide installment certainty over a longer period.

Tiered Fixed

(3 years – 3 years – remaining minimum tenor)

Minimum Tenor 8 Years

•  Years 1–3: 4.39%
•  Years 4–6: 7.99%
•  Subsequent years: 9.99%

Minimum Tenor 10 Years

•  Years 1–3: 5.39%
•  Years 4–6: 8.99%
•  Subsequent years: 10.99%

Alternative Tiered Fixed

(1 year – 2 years – 3 years – remaining minimum tenor)

Minimum Tenor 10 Years

•  Year 1: 3.89%
•  Years 2–3: 5.99%
•  Years 4–6: 7.99%
•  Subsequent years: 9.99%

BCA KPR Products

• KPR BCA — purchase of a house, apartment, or shophouse, whether new (primary) or resale (secondary).
• KPR Refinancing — disbursement of funds secured against property for various needs.
• KPR Take Over — transfer your KPR to BCA with a 75% provision fee discount and free admin fees (for applications realized by December 31, 2026).

Key Advantages

• Fix & Cap Scheme — protection from interest rate spikes after the fixed period ends.
• Long tenor of up to 20 years, with lighter installments.
• The widest network and a well-proven KPR process.
• Mirailand assistance from simulation to signing.

General Requirements

Applicant Criteria

• Indonesian citizen (WNI) residing in Indonesia.
• Permanent employees aged 21–55 years; self-employed or professionals up to 65 years old when the KPR is paid off.
• Have a steady income and a good credit history.

Documents to Prepare

• Employees: ID card (KTP), Family Card (Kartu Keluarga), NPWP (tax ID), salary slips, and the last 3 months' bank statements.
• Self-employed: the above documents plus SIUP/business license, deed of establishment, and the last 6 months' business bank statements.
• Professionals: personal documents plus practice license and the last 3 months' bank statements.

Apply for BCA KPR through Mirailand

Use the KPR Simulation on this page to estimate your monthly installments, then contact the Mirailand team for assistance with your application — from property selection, document completion, to the signing process. Official product information is available at bca.co.id or via Halo BCA 1500888.