Analisis Penilaian Permohonan Kredit Pemilikan Rumah terhadap Realisasi Kredit pada Bank BTN

Abstract

Credit term comes from the Greek meaning credere credo means I trust or believe. According to Law No. 10 1998 “Credit is the provision of money or bills are similar with those based on agreements between bank lending and others parties who require the borrower to pay off debt after certain period of time with interest. The method used is descriptive method is a method used to describe or analyze the results of the study but not used to make broader conclusions. The type of data in this study using primary data and secondary data. Primary data is data obtained directly in lending procedures. Secondary data is data obtained from both parties or throygh intermediaries such as books, literature, and other media. Procedure credit application begins by completing the required documents, credit analysis using principle of 5C (character asses the personality of the prospective customer to meet its obligations, capacity asses prospective customers in managing their business, capital assessing eligibility conditions which in its management, collateral assess the collateral may be seized if the candidate the customer can not meet its obligations, condition to consider the economic conditions by prosfek effort), the survey was conducted to obtain a conviction, the calculate of the offer will be the loan agreement and the period of time, when the loan is approved the Bank to disburse the mortgage must sign the loan agreements which is the peak in the filing of mortgages which is basically the major votes in the loan application is to look at the condition of collateral pledged as collateral. Credit analysis carried out earlier because it is the rating of a loan applicant has been filed by the debtor to determine the ability and willingness to repay the loan according to the terms in the agreement final stages. Credit realization is the end of the loan application which will be given after signing the papers necessary to open a checking account or savings in the bank is concerned with real action or the movement of a change of plants that have been made or done.