Over time, the house is not only defined as a residential area, but ownership of houses and land is also considered a long-term investment project, especially for the upper middle class, which is usually used to measure human welfare. The purpose of this study was to determine and analyze the effect of economic growth, credit interest rates, LDR and LTV on the number of housing loans (KPR) in NTB Province. The variables in this study are economic growth, credit interest rates, LTV, and LTV. Use quantitative methods to analyze data. The tool used is multiple linear regression analysis. The results showed that economic growth, credit interest rates and LTV had no effect on the number of KPRs in NTB Province. LTV has a positive and significant effect on the number of housing loans (KPR) in NTB Province.
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