PELAKSANAAN PEMBERIAN KREDIT PEMILIKAN RUMAH DI PT. BANK YUDHA BHAKTI CABANG SURABAYA
Daftar Isi:
- By looking at the population’s growth in Indonesia that increasing over time, it can be inferred that the needs of society also increase higher. One of those is the need for housing. For the people who have low income and are difficult to fullfil their life needs, the credit can be an alternative way that many people can choose to solve those issue. With the housing loan program, people can find out information about how to apply for a housing loan. The research methods that conducted to gather data in this research are asking questions directly to the employees of the bank, asking other necessary data to gain more information and using theories from the books. From that observation, the data which were collected are the term and conditions to apply housing loan, the steps for granting housing loan’s requests, the determination of housing loan’s limit and provisions for cash advance, the guarantees provided in housing loan, the calculation of the installmend and interest of housing loan, the problems that occur in the implementation of the housing loan access and the last, the solutions of all those problems that occur. It can be concluded that in order to apply for a housing loan people must fill requirements that have been established by the bank and follow the procedures from the bank until the loan application is approved and credit funds disbursed to the people. Determination of cash advance given by bank is adjusted according to the provisons of Bank Indonesia. Keyword: Information about Housing Loan