TANGERANG - PT Bank Central Asia Tbk (BCA) recorded the distribution of new home ownership loans (KPR) throughout 2025 reaching IDR 40.3 trillion.
This achievement reflects the increasing interest of the younger generation in owning a house amid increasingly adaptive financing schemes.
BCA Director Haryanto T Budiman explained that the quality of BCA mortgage financing remained maintained with a healthy installment payment rate.
"Last year we recorded new bookings of Rp. 40.3 trillion. Run-off is also quite high, around Rp. 3 trillion, which shows that customers pay installments on time," said Haryanto at the opening of the BCA Expoversary 2026, at ICE BSD, Tangerang, Thursday, February 5.
Haryanto explained that the Gen Z segment is now one of the drivers of mortgage growth, in line with the increasing use of the Fixed Tiered KPR scheme which offers low interest rates in the early days of credit.
This scheme is considered in line with the income characteristics of the younger generation which is still growing.
"The majority of our employees are Gen Z, our customers are the same. So we have to speak the same language, and property remains one of the best investments," he said.
Meanwhile, BCA President Director Hendra Lembong said the KPR Fix Berjenjang product was designed to ease the installment in the early years, so that it is more affordable for first-time home buyers.
"At the beginning of the year, the flowers were very low, then gradually increased. This KPR product is very popular with Gen Z," said Hendra.
In addition, Hendra said BCA also continues to support the government's Sejahtera Mortgage program with internal funding without utilizing the State Budget (APBN) subsidy.
"We help government programs, but we do not take state budget funds," he said.
For information, PT Bank Central Asia Tbk (BCA) will again hold the BCA Expoversary 2026 ahead of the company's 69th anniversary.
The official offline event was officially opened on Thursday, February 5 at ICE BSD, Tangerang. This event will last until February 8.
In addition to Tangerang, offline exhibitions also took place in Bandung, Semarang, Surabaya, Denpasar, Makassar, Medan, Malang, and Pontianak. Meanwhile, the online event can be accessed through the expo.bca.co.id starting from February 5 to March 31, 2026.
At this BCA Expoversary, BCA offers mortgages with a special interest of 1.69 percent effective per year fixed for one year, accompanied by a 50 percent discount on the provision and a 5 percent discount on life insurance.
In addition, there is a Motor Vehicle Credit (KKB) promo with a flat interest of 2.15 percent per year for a three-year tenor and a reduction in administrative costs of up to IDR 900,000.
For motorcycle financing, BCA presents Motorcycle Credit (KSM) with a down payment starting at 6.9 percent, interest starting at 5.69 percent, and a reduction in administrative costs of Rp200,000.
Not only financing, BCA Expoversary 2026 also presents various lifestyle product offerings, ranging from gadgets, home appliances, fashion, beauty, travel, to Bakti BCA's own UMKM products.
This exhibition also collaborates with dozens of property developers, automotive brands, and travel agents to meet customer needs.
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