This year, several banks in Indonesia have begun to launch home loan (KPR) programs and promotions. One of them is PT Bank Central Asia Tbk (BCA), which provides home loan promotion to boost credit growth. This is a business strategy while also celebrating the 62nd anniversary of BCA.
The special home loan rate BCA has to offer is 5.62% for new and used home fixed for one year. In addition, customers are also permitted to choose credit terms and do not need to allocate their savings held in their account. Reported from BCA official website, this promo is aimed for millennials who are looking for home loan at quite affordable rate.
In addition to the fixed one-year KPR interest promo, BCA also offers other promo with fixed interest rates ranging from 5.61% to 7.62% per year, according to the period of fixed interest payment and loan tenor. The ceiling provided is Rp 250 million minimum for used house. As for new home, it’s according to developers who work together.
Not only BCA, Bank CIMB Niaga also launched a similar promo. In this promo, CIMB Niaga customers get the opportunity to use CIMB Niaga's XTRA points obtained from transactions in lieu of down payment. Including 70,000 XTRA points is equivalent to Rp 35 million down payment. In addition, CIMB Niaga also offers 4.99% interest promotion, free provision and administration fees.
Not to forget, PT Bank OCBC NISP Tbk also offers low-cost home loan program for millennial customers named Easy Start. In this program, OCBC NISP targeting millennial customers aged between 21 to 35 years to buy house with Rp 50 million to Rp 1 billion credit ceiling. The facilities provided include low-cost DP 5% and cheap instalment at the beginning instalment starting from Rp 1 million per month. The instalment amount can also be adjusted to the each customer income with period up to 25 years.
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