PELAKSANAAN PEMBERIAN KREDIT PEMILIKAN RUMAH DI PT BANK TABUNGAN NEGARA KANTOR CABANG SURABAYA

Banks are business entities that raise funds from the public in the form of savings and channel them to the public in the form of credit or other forms in order to improve the standard of living. The house is a safe place, but a lot of people who do not have a decent home, therefore the Government to work together with the State Savings Bank, in order for the welfare of this nation. Because lending (mortgage) was launched by Bank Tabungan Negara. If during the term of the mortgage installments up to 15 years, Bank Tabungan Negara is now offering up to 25-year time period. The goal is to ease the burden on customers' monthly installment. The aim of this study was to determine, evaluate the barriers of implementation pelmilikan home loans through installments collective. Bank Tabungan Negara Surabaya Branch Office. This study used a qualitative descriptive type. The type of data used are primary data and secondary data. Primary data collection techniques is done by observation, event or activity, interview or interview, while secondary data collection techniques done with by examining the documents, letters, records, reports and other relevant literature to research by the autho