Volume 2, Issue 6, July 2021 E-ISSN : 2686-522X, P-ISSN : 2686-5211 Available Online: https://dinastipub.org/DIJMS Page 1000 DOI: https://doi.org/10.31933/dijms.v2i6 Received: 28 th July 2021, Revised: 10 th August 2021, Publish: 31 st August 2021 ANALYSIS OF FACTORS AFFECTING THE DEMAND FOR MORTGAGE CREDIT IN PT. X Syamsu Dairatil Irvan 1 , Dewi Nusraningrum 2 1) Universitas Mercu Buana, Jakarta, Indonesia, Syamsu.Irvan@gmail.com 2) Universitas Mercu Buana, Jakarta, Indonesia Corresponding Author: Syamsu Dairatil Irvan Abstract: PT X is a financial institution that distributes credit, one of which is mortgage credit or home ownership credit (KPR). The realization of mortgage lending at PT X from 2017 to 2020 has not been able to reach the target due to lack of credit demand. This study analyzes the interest rate, service, procedure, term, guarantee, and technology factors whether they have a significant influence on credit demand. From this study, the results and conclusions of the service factor have a significant influence on credit demand. Factors other than service have an influence on credit demand but not significantly. Keyword: mortgage, demand, credit, interest rate, service, bank INTRODUCTION As a bank that carries out the intermediation function, PT X distributes credit to the public. In general, there are two kinds of credit, namely consumer credit and productive credit. One example of consumer credit disbursed by PT X is motgage credit. Mortgage credit or also known as Home Ownership Credit (KPR) is a loan used to buy a house or to meet consumer needs with collateral/collateral in the form of a house (Sinulingga, 2019). PT X was given a target by management to distribute mortgage loans in 2017 of Rp. 1.9 T, in 2018 of Rp. 1.9 T, in 2019 of Rp. 1.4 T, in 2020 of Rp. 1.3 T. However, the realization of mortgage lending in 2017 was only IDR 1.2 T, in 2018 it was IDR 1.3 T, in 2019 it was IDR 1 T, in 2020 it was IDR 0.8 T. This means that there is a gap in 2017 amounted to IDR 0.7 T, in 2018 it was IDR 0.5 T, in 2019 it was IDR 0.3 T, in 2020 it was IDR 0.5 T. Mortgage loan distribution has not been able to reach the target due to lack of credit demand or credit requests. This research raises the topic of analyzing the factors that influence the demand for credit. From previous studies related to the topic, it is known that there are many factors that influence the demand for credit. This study takes 6 factors, namely interest rates, services, procedures, period of time, guarantees/collateral, and technology. The six