The Legal Analysis of the Execution of a Buy Back Guarantee Agreement Between Banks and Developers for House Purchases Through Mortgage Loans (KPR - Kredit Pemilikan Rumah)
DOI:
https://doi.org/10.59890/ijetr.v2i4.67Keywords:
Buy Back Guarantee, Relationship, Implementation, Law, and Mortgage Loan (KPR)Abstract
The aim of this research is first, to analyze the legal relationship between Buy Back Guarantee agreements between banks, developers and consumers when purchasing a house through a mortgage. Second, to analyze the implementation of the Buy Back Guarantee agreement between the bank and the developer in purchasing a house via KPR. This research uses empirical normative legal research methods. The results of the research show, first, the legal relationship between the developer and the implementing bank is in the nature of a partnership (Partnership), namely, the provision of KPR financing facilities where the bank is a commercial bank providing home ownership financing facilities which requires a partnership relationship with the developer who is a housing developer by achieving a The common ground is the aim of this subsidized housing program. The aim of this collaboration is to provide housing financing liquidity facilities or abbreviated as FLPP as regulated in Law no. 1 of 2011 concerning housing and residential areas and PUPR Ministerial Regulation No. 10/PRT/M/2019 concerning criteria and requirements for low income people (MBR) in subsidized home owner credit. And the legal relationship between the bank and the customer is that the bank as a distributor provides funds to buy a house (creditor) while the customer receives a subsidized house purchase loan and borrows and borrows with interest as regulated by Law Number 10 of 1998 concerning Banking.
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