Bank funding sources that are more efficient and more independent than using only third party funds that can be withdrawn at any time by depositors. One of the efforts to overcome the dependence of third party funds for Home Ownership Credit Financing is by securitizing KPR assets that have been financed in the stock market. Types of business industries that have implemented asset securitization as a funding instrument in carrying out their business include banking, electricity, toll roads and airlines. KPR securitization by banks is considered important because it can convert KPR receivables into liquid assets without having to wait for the return of mortgage installments for the next 20 years, and the proceeds from this securitization can be used to be channeled back into new mortgages and increase the number of home ownership for Indonesian citizens. However, only state-owned banks such as Bank Mandiri and Bank BTN have only recently implemented KPR asset securitization. Bank BTN has been securitizing since 2009 and Bank Mandiri in 2016, so it can be concluded that in the current banking industry there is still a gap between the timeframe for the source of funds and those distributed in the mortgage business (mismatch funding).