BRI facilitates mortgage takeovers with competitive rates and top-up facilities
Jakarta (ANTARA) - Owning a dream home is one of life’s greatest achievements, although over time, economic conditions and a person’s financial needs often change.
If your current mortgage instalments feel increasingly burdensome, or you need additional funds for renovation, education, or business capital, or if you still have an active mortgage at another bank, you can transfer the credit to BRI to improve your financial situation.
The BRI KPR Take Over programme is not merely about moving a home loan; it is a genuine effort to help customers obtain more competitive financing that suits their current needs.
Many people assume that transferring a mortgage is a complicated and troublesome process. In fact, BRI has designed this programme to make it easy for customers who wish to optimise their home instalments, with a range of benefits including:
- More Competitive Interest Rates
One of the main reasons customers carry out a takeover is to secure lower interest. Special rates starting from 3.00% fixed for one year are available for Prime Customer Service (LNP) customers, payroll customers of BRI’s corporate partners, and BRI Group customers.
In addition, BRI offers a variety of schemes, such as fixed rate, stepped interest, and fixed all-tenor options, which can be tailored to customers’ risk profiles and financial planning. With lower interest, monthly instalments will naturally become lighter.
- Flexible Tenor of Up to 25 Years
Everyone has a different repayment capacity, so BRI provides flexible tenor options of up to 25 years for fixed-income customers. This tenor arrangement allows customers to manage their monthly cash flow better, so instalments no longer burden essential expenses.
- Additional Funds Facility (Top Up)
For those who need extra capital, the takeover programme also provides a top-up facility.
Based on an analysis of collateral and financial capacity, customers can obtain fresh additional funds for various urgent or productive purposes.
- Additional Financial Benefits
Beyond competitive interest rates, BRI adds value by waiving provision and administrative fees specifically for BRI Prioritas and BRI Private customers. This benefit reduces the upfront costs usually incurred during the credit transfer process.
Flexibility for Various Property Types
The programme applies not only to landed houses but also to property assets such as apartments, flats, ruko (shop-houses), and rukan (office-houses). BRI offers the same opportunity to transfer credit for all of these.
Simple Terms and Conditions
To enjoy these benefits, certain criteria must be met. One of the main requirements is that the customer’s mortgage at the originating bank must have been running for at least one year.
In addition, customers must ensure they have a smooth payment history with no record of arrears. A good credit history is the bank’s primary basis for approving a takeover facility with the best scheme.
A Strategic Step Towards a Better Future
Managing finances wisely means always seeking opportunities to optimise assets and liabilities. By transferring a mortgage to BRI, customers are not simply moving debt but restructuring their long-term financial strategy.
You gain the opportunity to accelerate loan repayment through a more optimal tenor arrangement and to secure far more efficient interest rates. BRI is committed to remaining a financial partner that provides home financing solutions in line with customers’ needs and financial circumstances.
Take real action now and do not let high instalments hinder your financial planning. Lighten your instalments, rearrange your tenor, and take advantage of additional funding opportunities with the BRI KPR Take Over programme, offering an interest rate of 3.00% eff.p.a fixed for one year until 31 July 2026.
For complete information, visit your nearest BRI branch office or our official digital service channels.