ANALISIS FAKTOR – FAKTOR YANG MEMPENGARUHI PERMINTAAN KREDIT KEPEMILIKAN RUMAH TYPE 36 PADA BANK TABUNGAN NEGARA (BTN) DI SURABAYA

Abstract

Housing credit demand in the economy affect the development, it is indicated by the extent of housing development in suburban areas. Housing is also the one area of development that the government is always associated with the population problem. Financing institutions in trust by the government in financing the Housing Loan (mortgage) one of which is the BTN (National Savings Bank) to provide home loans people. his study aims to determine whether the per capita income factor (X1), Interest Rate mortgage (X2), Inflation (X3), house price average - average (X4), affect the demand for mortgage loans on BTN type 36 in Surabaya. This study uses secondary data are derived from the Office of National Statistics Agency Surabaya branch waktu10 year period, beginning in 2001-2010. Meanwhile, the analytical techniques used is multiple linear regression analysis using the tools of computer programs Statistics Programme For Social Science (SPSS) Version 13.0 which showed significant effect between the independent variables and the dependent variable. Significant assay results of the Independent Variables Analysis of Some Factors Affecting Demand Mortgage Type 36 By BTN In Surabaya (Y), it can be seen that the inflation variable (X3) is the most dominant variable effect on Housing Loan Acceptance By BTN In Surabaya . By looking at the results of the coefficient of per capita income independent variable (X1), Interest Rate mortgage (X2), Price Average - Average house (X4) is a variable that is not dominant to request Housing Loan Bank BTN In Surabaya