NUMERICAL ANALYSIS OF HOME OWNERSHIP LOANS BANK INTEREST RATES IN INDONESIA WITH NEWTON'S INTERPOLATION METHOD

Bela Desy Natalia, Candra Ditasona, Ruth Ririn Vania, Kornelius Anugrah Zebua
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Abstract

The demand of the Indonesian society to own homes and properties is increasing along with the growth of Indonesia's population. This has led to an increase in population density, causing property prices to rise. The way to own property or a house in accordance with monthly income is by using bank housing loans. Three Indonesian banks renowned for housing loan applications, namely BTN, Mandiri, and BSI, were selected as samples in this study. These three banks have their own advantages and different bank interest rates. Therefore, this research was created as a tool for consumers to make decisions by considering the advantages obtained when applying for a loan at one of the three banks. This study employs the Newton's interpolation method to generate formulas that can help solve consumer problems. The results of this study generally indicate that Mandiri bank has an advantage in terms of lower installment costs compared to BTN and BSI.
用牛顿插值法对印度尼西亚住房贷款银行利率进行数值分析
随着印尼人口的增长,印尼社会对拥有住房和房产的需求也在不断增加。这导致人口密度增加,造成房地产价格上涨。根据月收入拥有房产或住宅的方法是利用银行住房贷款。本研究选取了三家以申请住房贷款而闻名的印尼银行,即 BTN、Mandiri 和 BSI 作为样本。这三家银行各有优势,银行利率也各不相同。因此,本研究的目的是为消费者提供一种工具,使他们在向这三家银行中的一家申请贷款时,能够考虑到自己的优势,从而做出决定。本研究采用牛顿插值法生成有助于解决消费者问题的公式。研究结果普遍表明,与 BTN 和 BSI 相比,Mandiri 银行在降低分期付款成本方面具有优势。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
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