The Influence of Credit Period and Interest Rates on the Interest of Home Ownership Credit Users in PT. PANIN Bank (PERSERO) TBK

This study aims to examine the influence of credit period and interest rates on mortgages users’ interest in PT. Panin Bank (Persero) Tbk. The method used in this research is multiple linear regression analysis using SPSS, which was processed based on the tabulated results of the observation sheet. From the analysis of the influence of credit period and interest rates on mortgages users’ interest in PT. Panin Bank (Persero) Tbk. Makassar branch, it can be concluded that the term and interest rates have a positive effect on mortgages users’ interest in the bank. The increase of the time limit will also increase the interests of customers. On the other hand, the increase of interest rates will decrease the interest of users. From these two researched variables, the most dominant variable affecting the mortgages users’ interest in PT. Panin Bank (Persero) Tbk. Makassar branch is interest rates, because interest rates have the greatest t-count compared to the t-count of credit period. Therefore, it can be proposed that one of the most dominant variables affecting the interest of the mortgages users in the bank is the interest rates.