This study analyzes the impact of Loan to Value (LTV) policy along with macroeconomic variables such as Inflation, GDP, and Consumer Loan Interest Rates on the demand for Housing Loans (KPR) in Indonesia, using the Vector Error Correction Model (VECM) method and monthly time series data from 2012 to 2021. The results of the study show that all variables, including Inflation, GDP, Interest Rates…