Kalkulator KPR BCA
Hitung cicilan KPR BCA dengan SBDK terkini. Gratis, tanpa daftar.
fin·calc is an independent, unaffiliated calculator — not endorsed by, sponsored by, or affiliated with BCA (Bank Central Asia). "BCA (Bank Central Asia)" is used only to describe typical rates and terms; confirm actual terms directly with the bank.
Suku bunga KPR BCA
| Bank | SBDK KPR | Tenor maks |
|---|---|---|
| BCA | 9.39% (Okt 2025) | hingga 20–25 tahun |
Referensi 2026 — bunga sering fixed beberapa tahun lalu floating. Verifikasi dengan bank.
Contoh perhitungan
KPR Rp 1.000.000.000 di BCA dengan bunga 9.39% selama 20 tahun:
- Cicilan/bulan: Rp 9,249,598
- Total bunga: Rp 1,219,903,516
- Total dibayar: Rp 2,219,903,516
Frequently Asked Questions
Berapa suku bunga KPR BCA?
SBDK KPR BCA sekitar 9.39% (data Oktober 2025). Verifikasi rate terkini dengan bank.
Bagaimana menghitung cicilan KPR BCA?
Metode anuitas (saldo menurun). Masukkan jumlah pinjaman, bunga, dan tenor di kalkulator.
Apa itu KPR Subsidi (FLPP)?
Program pemerintah bunga tetap rendah (~5%) untuk rumah pertama berpenghasilan rendah, dengan batas harga dan penghasilan.
Berapa uang muka KPR?
BI mengizinkan LTV hingga 100% (2026), DP bisa 0%, namun DP lebih besar menurunkan cicilan.
BCA KPR Rates: What's Actually on Offer in 2026
Bank Central Asia (BCA) prices its KPR around Bank Indonesia's BI 7-Day Reverse Repo Rate, held at 5.75% at the 19 August 2026 meeting. As of BCA Expo 2026 (announced 15 September 2026, valid through 31 October 2026), BCA advertised KPR rates starting at 1.23% effective p.a. fixed for the first year. Once any fixed period ends, the loan reverts to BCA's prevailing floating KPR rate, quoted at 11% per annum.
Worked Example: BCA KPR at the 1.23% Promotional Rate
Rp400,000,000 at 1.23% over 15 years (180 months): r = 0.0123/12 = 0.0010250, (1+r)180 ≈ 1.20230.
M ≈ Rp2,436,700 per month for year 1 only — recalculating at the 11% floating rate afterward pushes the installment several times higher.
Frequently Asked Questions
Is BCA's 1.23% KPR rate fixed for the whole loan term?
No. BCA's lowest advertised rates apply only for a fixed introductory period — commonly 1, 2, 3 or 5 years — after which the loan converts to BCA's prevailing floating rate, quoted at 11% p.a. as of 2026.
How is BCA's floating KPR rate related to Bank Indonesia's rate?
BCA sets its floating KPR rate with reference to its own cost of funds and Bank Indonesia's BI 7-Day Reverse Repo Rate (held at 5.75% as of August 2026), plus a bank margin.
Does the promotional BCA KPR rate apply to all properties and developers?
No. BCA's lowest promotional tiers are usually tied to specific programs and sometimes partner developers, with a minimum tenor requirement.