Find various types of loans from BCA, from personal loans to vehicle financing, which can help you realize your various financial goals easily.

As one of the largest banks in Indonesia, Bank Central Asia (BCA) provides various financial solutions through loan products that can help customers meet various needs, from buying a house to covering education costs.

BCA loans come in various types designed to meet various financial goals, with easy application and competitive interest rates. This article will review seven types of BCA loans that you can consider to achieve your various financial goals.

1. BCA Unsecured Credit (KTA)

BCA’s Unsecured Credit (KTA) is a type of loan that provides convenience for customers who need funds quickly without having to provide collateral or security.

This is an ideal choice for those of you who need emergency funds or for personal needs, such as education fees, home renovations, or vacations. With an easy application process and no collateral documents, KTA BCA provides higher flexibility.

Depending on your credit profile, the loan amount that can be applied for with KTA BCA can reach tens of millions of rupiah. BCA offers competitive interest rates and adjustable tenors, ranging from 12 to 36 months.

One of the main advantages of BCA Mortgage is the absence of collateral requirements, which makes it easier and faster to access.

To apply for a BCA KTA, you must be between 21 and 55 years old and have a steady income, with supporting documents such as pay slips or other proof of income.

2. BCA Multi-Purpose Credit (KMG)

BCA Multi-Purpose Credit (KMG) is a loan with collateral that can be used for various financial purposes, such as home renovation, education costs, or business capital.

This loan allows you to apply for a larger loan amount because there is collateral provided, such as a house certificate, vehicle, or other valuables.

One of the advantages of KMG BCA is the lower interest compared to KTA because of the collateral. This loan has a higher ceiling and flexible installment period, ranging from 12 to 60 months.

To apply for KMG BCA, you must have collateral that can be approved by the bank, as well as meet general requirements such as having a steady income and other supporting documents.

3. BCA Home Ownership Credit (KPR)

BCA Home Ownership Credit (KPR) is a loan product aimed at helping customers purchase a house or other property, such as an apartment or shophouse. With competitive interest rates and long tenors, BCA KPR makes it easy for you to own your dream home.

The process of applying for a BCA mortgage is very easy, and can be done online. You can choose the type of interest that suits your needs, whether fixed interest or floating interest.

KPR BCA offers high flexibility, with tenors ranging from 5 to 20 years. General requirements for applying for KPR BCA include a minimum age of 21 years, a steady income, and supporting documents such as pay slips and NPWP.

Another advantage is the facility to buy new or used houses, which gives customers more choices in owning property.

4. BCA Motor Vehicle Credit (KKB)

If you want to buy a new or used vehicle, BCA Motor Vehicle Credit (KKB) is the right choice. This loan offers competitive interest rates, as well as flexible installment terms, ranging from 1 year to 5 years.

KKB BCA allows you to buy your dream vehicle, either a car or a motorbike, with payments that can be adjusted to your ability.

The KKB BCA application process is very fast and easy. You only need to submit supporting documents such as pay slips and vehicle documents that will be used as collateral.

BCA also provides several facility options, including installment payments via automatic debit, which makes it easier for you to make payments every month.

5. BCA People’s Business Credit (KUR)

For those of you who have micro, small, and medium enterprises (MSMEs), BCA People’s Business Credit (KUR) is the right solution to get business capital with low interest.

KUR BCA is designed to help small and medium business actors who need funds to develop their businesses.

The main advantage of KUR BCA is the very low interest rate and lighter requirements. In addition, KUR BCA also does not require collateral for loans in certain amounts.

This loan can be used for various business purposes, such as purchasing raw materials, production equipment, or working capital. To apply for KUR, you need to have a business that has been running for at least 6 months and has a valid business license.

6. BCA KTA with Cashback

To provide more benefits to customers, BCA also offers KTA products with cashback. This program provides added value in the form of cash back to customers after they apply for a loan. The cashback offered varies, depending on the loan amount and installment period.

With cashback, customers can get bigger profits from the loans they apply for. This program is perfect for those of you who need a loan without collateral, and also want to get more benefits.

The process of applying for KTA BCA with cashback is also very easy, and you can immediately get money back after the loan is approved.

7. BCA Personal Loans

BCA personal loans are a very flexible loan product and can be used for various personal needs, such as education fees, home renovations, vacations, or other needs.

No collateral is required, this personal loan can be applied for with fairly easy conditions, such as a steady income and relevant supporting documents.

BCA personal loans offer competitive interest rates and a fast application process. The loan tenor is also very flexible, so you can choose the installment period that suits your financial capabilities.

This product is perfect for those of you who need funds for personal needs without having to provide collateral or security.

BCA Bank offers various types of loans that can be tailored to your financial needs. From unsecured loans for personal needs to collateral-based loans for purchasing a home or vehicle, every BRI Mortgage product offers easy application and competitive interest rates.

By choosing the right loan, you can more easily meet your financial needs, whether for personal, business, or property purchases. So, if you are looking for a suitable loan, BCA has various options that can help you realize your financial goals.