Find various types of BRI loans that can meet your financial needs, from mortgages, motor vehicles, to small and medium business financing.
Bank Rakyat Indonesia (BRI) has long been the main choice for Indonesian people who need financial solutions. With various types of loans provided, BRI offers products that can meet the needs of people from various levels, from personal to business needs.
Whether to buy a house, vehicle, continue education, or develop a business, BRI has flexible loan options with various benefits. Below are 10 types of BRI Bank loans that you can choose to support your various financial goals.
1. BRI Bank KPR Loan (Home Ownership Credit)
BRI Home Ownership Credit (KPR) is a very popular type of loan. If you dream of having your own home, BRI KPR provides a solution with a very flexible installment period, up to 20 years.
This loan can be used to purchase a new house, a used house, an apartment, or even for renovating or building a new house.
One of the advantages of KPR BRI is the competitive interest rate and installment system that can be adjusted to the borrower’s financial ability. The down payment required for this KPR is relatively light, only about 10% of the price of the house to be purchased.
2. BRI KPRS (Subsidized Home Ownership Credit)
BRI also offers Subsidized Mortgage Loans (KPRS) for those who are categorized as Low-Income Communities (MBR), with a monthly income of less than IDR 4 million.
BRI KPRS has many advantages, including a very low interest rate of 5% fixed throughout the loan period, free of VAT, and includes insurance.
This KPRS aims to provide access to housing for low-income communities with very affordable installments. The KPRS loan period is up to 20 years, allowing you to own a home without too much burden.
3. BRI Motor Vehicle Credit (KKB) – New and Used Cars
For those of you who want to buy a vehicle, Bank BRI provides KKB loans for purchasing new or used cars. This loan offers a relatively affordable down payment, starting from 25% of the vehicle price.
With competitive interest rates and flexible repayment terms (up to 6 years for new cars and 4 years for used cars), this loan is a popular choice for those who need a personal vehicle. Another advantage is that it is free of provision fees, which are often an additional cost on vehicle loans at other banks.
4. BRI KKB Refinancing
KKB Refinancing BRI is a solution for those of you who need fast funds by using a motorized vehicle that you already own as collateral. This loan allows you to get fresh funds without having to sell your vehicle. O
ne of the advantages of this product is that there are no provision fees and easy requirements. BRI KKB Refinancing is suitable for various urgent needs, such as health costs, education, or home renovations.
5. BRI Premium Motorcycle KKB
For those of you who want to have a premium motorbike, BRI provides special loans for the purchase of luxury motorbikes. Premium motorbikes that are often priced quite high can now be owned with light installments.
This loan is also free of provision fees, so you don’t need to worry about hidden costs that will reduce the amount of the loan. This BRI Premium Motor KKB offers flexible installment tenors and is perfect for those of you who want to buy your dream motorbike.
6. Briguna Karya
Briguna Karya is a type of unsecured loan given to those who have a fixed income, such as a monthly salary. This loan has a ceiling calculated based on monthly income, with a loan term ranging from 12 to 60 months. Briguna Karya can be used for various purposes, from purchasing movable goods, wedding expenses, to other productive needs. With a fast application process and easy requirements, this loan is the main choice for many permanent employees.
7. Full of Glory
Briguna Purna Loan is intended for retirees who want to apply for a loan with installments taken from monthly pension funds. This loan has a long tenor, up to 15 years or according to the maximum age of the debtor at the time the loan matures, which is not more than 75 years.
This loan is very helpful for retirees who want to meet personal or family needs after retirement with affordable and flexible installments.
8. General Purpose
General Purpose Loans are loans given to debtors with a fixed income. This type of loan is suitable for active employees, both those working in the government and private sectors.
The term of the Briguna General loan can reach 15 years, and this loan can be used for productive or consumptive purposes. With competitive interest rates and an easy process, Briguna General offers financial solutions for many workers with a fixed income.
9. Educational Benefits
For those of you who plan to continue your education to a higher level, such as a Masters or Doctorate, Bank BRI offers Briguna Education loans. This loan can help you finance your education with a limit of up to IDR 250 million.
The loan period can last up to 6 years for Masters education and 10 years for Doctoral degrees. This loan is only available to those who have a steady income and can prove their ability to pay installments.
10. BRI People’s Business Credit (KUR)
BRI People’s Business Credit (KUR) is a type of loan specifically for micro, small and medium enterprises (MSMEs) who need capital to develop their businesses. One of the main advantages of BRI KUR is the low interest rate and easy requirements.
To get this loan, business actors must have a business that has been running for at least six months. KUR BRI can help MSMEs in expanding their business, buying raw materials, and improving the quality of their products.
With various loan options offered by Bank BRI, you can choose the type of loan that suits your needs and financial capabilities. Whether to buy a house, vehicle, continue education, or develop a business, Bank BRI provides the right solution to make your dreams come true.
Additionally, BCA Mortgage offers flexible financing options for those looking to purchase a home with competitive interest rates and convenient repayment terms.
Before applying for a loan, make sure to understand the applicable terms and conditions, and consider your ability to pay installments in the long term. With a loan from BRI and BCA Mortgage, you can achieve your financial goals more easily and quickly.
