The Impact of Loan to Value Policy and Macroeconomic Variables Towards the Demand of Housing Loans

Abstract

The purpose of this study is to know and analyze the effect of credit interest rates, inflation, economic growth, loan to deposit ratio, loan to value to housing loan demand in Central Java.  The sample of this study is housing loan demand, credit interest rates, inflation, economic growth, loan to deposit ratio, loan to value. The collect data was analyzed using quantitative method. This study used multiple linear regression analysis. The results of this study indicate that the credit interest rates and inflation is negative and significant effect towards housing loan demand in Central Java. Economic growth and loan to deposit ratio of positive and significant effect towards the housing loan in Central Java. Loan to value has no effect towards demand in Central Java.