Find various types of BRI Bank loans that can help meet your various needs, from mortgages, motor vehicles, to business financing.
Bank Rakyat Indonesia (BRI) is widely known in Indonesia as one of the banks that provides various types of loans to meet the various financial needs of the community.
From property purchases to business capital, BRI offers various loan options with different terms and conditions according to the borrower’s needs. Here are 10 types of BRI loans that you can consider to help realize your plans and dreams.
1. BRI Bank KPR Loan (Home Ownership Credit)
BRI Home Ownership Credit (KPR) is one of the most popular loan products. This loan is specifically intended for those who want to buy a new house, a used house, or an apartment. In addition, you can also use a mortgage loan for home renovations or building a new home.
One of the advantages of BRI KPR is the very flexible tenor or term, namely up to 20 years. However, to get this loan, you are required to pay a down payment (DP) of at least 10 percent.
This loan is also available for the credit takeover process from other banks , providing more flexibility for borrowers who want to move to BRI.
2. BRI KPRS (Subsidized Home Ownership Credit)
For people with low incomes, Bank BRI offers subsidized mortgages or KPRS. This type of loan is specifically intended for low-income communities (MBR) who have an income of less than IDR 4 million per month.
The advantage of BRI KPRS is the very low interest, which is only 5 percent with a fixed rate system until the loan period is over.
In addition, BRI KPRS is also free of VAT and includes insurance, making it even more attractive for those who want to own a home with affordable installments. The available loan period is up to 20 years.
3. BRI Motor Vehicle Credit (KKB) – New and Used Cars
BRI loans for the purchase of motor vehicles (KKB) allow you to buy a new car or a used car. With a relatively affordable down payment (DP), which is 25 percent of the vehicle price, you can immediately apply for a loan for any car, from various brands and types.
One of the advantages of a BRI KKB loan is that it is free of provision fees, which are often additional costs in the vehicle loan process. The available installment period is quite flexible, which is up to 6 years for new cars and 4 years for used cars.
4. BRI KKB Refinancing
KKB Refinancing is a type of BRI loan that offers convenience for those of you who need fast funds by using a motorized vehicle that you already own as collateral. This product is perfect for those of you who want to get fresh funds without having to sell your vehicle.
Other advantages are free of provision fees and easier requirements compared to other types of loans. You can use the funds obtained for various personal needs or business needs.
5. BRI Premium Motorcycle KKB
This loan is provided for those of you who want to buy a premium motorbike, such as motorbikes with high prices and high class.
With the BRI credit system that is free of provision fees, you don’t need to worry about additional costs that reduce the amount of the loan you receive.
This loan is perfect for those of you who want to buy your dream motorbike without having to spend a large amount of money directly. Like a car KKB, this loan has a flexible installment tenor and an easy process.
6. Briguna Karya
Briguna Karya is a type of unsecured loan (KTA) from BRI which is intended for those who have a fixed income or monthly salary. This loan ceiling is calculated based on the income received by the borrower, with a flexible loan term, ranging from 12 to 60 months.
This loan can be used for various purposes, from productive needs such as buying goods or business capital, to consumptive needs such as wedding or vacation costs. Briguna Karya offers a fast process and easy requirements.
7. Full of Glory
Unlike Briguna Karya, Briguna Purna is specifically intended for retirees who want to obtain loans with installments taken from pension funds .
This loan has a longer tenor period, which is up to 15 years or the maximum age of the debtor at the time the loan matures 75 years. This loan is very helpful for retirees who want to finance personal or family needs after retirement with light and affordable installments.
8. General Purpose
General Briguna is a loan given to debtors with a fixed income or monthly salary. This loan is available for active employees who have a fixed income, both for productive and consumptive needs.
One of the advantages of Briguna General is the flexible loan term, which is up to 15 years. With affordable interest and easy terms, Briguna General is one of the popular loan options among employees.
9. Educational Benefits
This BRI loan is specifically intended for educational costs, especially for those who want to continue their education to a higher level, such as S2 or S3.
Briguna Pendidikan offers a ceiling of up to IDR 250 million with varying loan terms, namely a maximum of 6 years for S2 and 10 years for S3. This loan is only given to borrowers who have a steady income, so you can prove your ability to pay installments every month.
10. BRI People’s Business Credit (KUR)
BRI People’s Business Credit (KUR) is a loan given specifically to micro, small, and medium enterprises (MSMEs) who need capital to develop their businesses. One of the advantages of BRI KUR is the low interest and easy application process.
To get BRI KUR, prospective borrowers must have had a business running for at least six months. This loan helps MSMEs to expand their businesses, buy raw materials , or improve the quality of their products.
With various types of loans offered, Bank BRI provides financial solutions that are suitable for the various needs of the Indonesian people. Whether you want to buy a house, vehicle, or need capital for a business, Bank BRI has loan products that can be tailored to your needs.
Additionally, BCA Mortgage offers competitive interest rates and flexible repayment options for those looking to finance their dream home.
Make sure to choose a loan that suits your financial capabilities and goals, and understand the applicable terms and conditions. With BRI loans and BCA Mortgage, your dreams can come true faster.
