Aspek Perjanjian Kredit Pemilikan Rumah (KPR) Pada Perumahan Bersubsidi di Kota Bima
Abstract
This study aims to analyze the legal regulations governing Home Ownership Credit (Kredit Pemilikan Rumah/KPR), to examine the rights and obligations of the parties involved in a Home Ownership Credit agreement, and to assess the implementation of such agreements in the City of Bima. The research method used is qualitative research within the framework of Empirical Legal Research (Non-Doctrinal). The approach applied in this study includes case and conceptual approaches, linked with a statutory approach to reflect the real-life cases by referring to relevant legislation.The findings indicate that the legal regulation of home ownership credit agreements refers to Article 1 point 11 of Law Number 10 of 1998 concerning Banking, and Articles 1754–1769 of the Indonesian Civil Code (KUHPerdata), which govern loan agreements in general.The regulation of the rights and obligations of the parties in a Home Ownership Credit agreement is based on the mutual consent outlined in the credit agreement. Accordingly, each party obtains their respective rights and obligations. In granting credit loans, banks must consider the limitations set by the applicable laws and regulations—particularly Article 1337 in conjunction with Article 1320 of the Indonesian Civil Code, which govern the validity and lawful purpose of agreements
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