PELAKSANAAN PEMBERIAN KREDIT PEMILIKAN RUMAH – KGU DI BANK BTN CABANG SURABAYA

State Savings Bank (BTN) along the way in making history with all its achievements have proven its role in connecting the Indonesian community penchant for saving. With all his efforts, the BTN has taken a role in business development in all areas throughout the beloved homeland, Indonesia. The long journey that eventually brought the mission to be carried, ie a bank provider of funds for the growth of the national housing development with credit facilities (mortgages) has brought the BTN as banks only great through the noble task. Provision of Housing Loanis the provision of home owner ship arising from the interaction between the twoihaklender (bank) and the loan recipientis a business activity that has economic value and payments made in installments, and returned to a specific period with the added interest that has beendefined by the bankit self. In addition, administration of Housing Loan also has systems and procedures are easy and fast. Therefore, it is a factor that can affect people's credit home ownership through the bank, and also is one of the hall marks of Home Loan. Keyword : KGU – Mortgage