Bank Tabungan Negara (BTN) yaitu salah satu bank pemerintah terpenting dalam pembiayaan perumahan. Bank BTN mengatakan pada th. 1987 pemerintah Hindia Belanda membangun POSTSPAARBANK yang mempunyai tujuan untuk mendidik orang-orang Indonesia supaya menabung, pendirian ini lewat Koninklijk Besluit No. 27 tanggal 16 Oktober 1987. Perusahaan keuangan ini selalu berkembang, sampai pada akhirnya mempunyai 4 cabang di Indonesia pada th. 1939 yakni di Surabaya, Makasar, Jakarta serta Medan. Pada th. 1942 berlangsung serangan Jepang serta hal semacam ini membuat Belanda menyerah tanpa ada prasyarat pada negeri matahari itu. Mengakibatkan Jepang selekasnya tutup atau membekukan POSTSPAARBANK diganti TYOKIN KYOKU, yakni suatu bank yang digunakan untuk menghimpun uang lewat tabungan.
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