Analisis Penetapan Angsuran Kredit Pemilikan Rumah Menggunakan Metode Anuitas dan Metode Efektif Pada PT Bank Mandiri Persero) Tbk

Abstract

Banking has an important role in the development of the country, and bank credit makes an important contribution to the rotation of the country's economy. One of the important problems facing Indonesia today is population density and housing. Banks as financial institutions, create a national housing program through the distribution of funds in the form of Home Ownership Loans (KPR). In lending, there are interest rates and interest calculations. The purpose of this study is to determine the determination of mortgage installments using the annuity and effective interest rate calculation methods. The data collection technique in this research uses documentation and literature study and the data analysis used is descriptive. Qualitative data research methods, namely data in the form of words, schemes, and images that are examined regarding the determination of mortgage loan installments based on annuity and effective methods implemented by PT Bank Mandiri (Persero) Tbk. From the research results it can be concluded that the calculation of interest installments and total mortgage installments is smaller when using the effective method compared to the annuity method at PT Bank Mandiri (Persero) Tbk.