Perjanjian Kredit Jual Beli Kepemilikan Rumah Ditinjau Dari Kitab Undang-Undang Hukum Perdata

Abstract

The presence of a home ownership credit system is really needed by people with low, small and medium incomes. The provision of credit by the Bank to customers to pay for house purchases is based on trust and confidence that the customer who will receive the credit is able and willing to return the credit they have received. From the description and background above, the problems arise as follows: 1. How does the Civil Code regulate the sale and purchase of home ownership through credit agreements? 2. What are the rights and obligations of the parties in a home ownership credit agreement? The method used in this research is a normative approach and an empirical approach. The data type consists of primary data and secondary data. Secondary data sources, primary data tertiary data. Data collection using library studies and field studies. Data processing is carried out by means of data selection. data classification and data analysis. The results of the research and discussion show that buying and selling using an installment system is not specifically regulated in the Civil Code, but this practice is permitted considering Article 1338 of the Civil Code which adheres to a system of freedom of contract. Meanwhile, the rights and obligations of the parties in the home ownership credit agreement. The Debtor has binding obligations towards the Creditor, as a form of responsibility for the interests that have been agreed upon in the Bank's internal regulations in accordance with the agreement in the home ownership credit agreement.