WANPRESTASI DAN PENYELESAIANNYA DALAM PERJANJIAN KREDIT PEMILIKAN RUMAH (KPR) PADA BANK BTN CABANG SINGARAJA BALI
ABSTRACT: The process of home
ownership with mortgage system (KPR) raises a variety of issues that need to
get a settlement solution. One of the problems that arise in the mortgage
agreement is the issue of loan guarantees to be provided by the bank and its
binding ordinances. Guarantees the mortgages (mortgage) is the home to be
purchased by the customer. Issues that arise in terms of the guarantee is that
at the time the loan is realized, it means the bank has disbursed funds to pay
for the house, ownership of land and the house has not been transferred to the
customer's credit recipients, so the banks have to wait for the process behind
the name and the binding process loan guarantees for housing and land. Other
issues that arise in the implementation of the mortgage is in default.
Defaulting debtors is done with a variety of forms and the reasons why credit
recipients are in default. One form of credit default recipient is taken not to
pay their debts or repay the installments of the reasons the quality is not in
accordance with the specifications that have been offered by the developer /
developer at the time prior to the transaction.
Penulis: I Gede To Kaesar Nero
Kode Jurnal: jphukumdd130738
