Case Study
Year: 2021 | Month: January | Volume: 8 | Issue: 1 | Pages: 649-653
Legal Protection for Consumers in the Sale and Purchase Agreement through the Home Ownership Credit Facility (Study at PT. Bank Rakyat Indonesia Branch Office Medan Putri Hijau)
Debby Oktavia Sitompul1, Muhammad Arifin2, Surya Perdana2
1,2Universitas Muhammadiyah Sumatera Utara, Indonesia
Corresponding Author: Debby Oktavia Sitompul
ABSTRACT
The most basic human needs include clothing, food and shelter. The board is a place to live or home. As one of the basic human needs, ideally every family should have a home. Apart from the important function of a home, there are still many families who do not have a home, let alone a decent house. To own a house requires a lot of funds. Banks provide credit or loans for those who want to buy a house. In order to facilitate the purchase of the house, PT Bank Rakyat Indonesia (BRI) issued a KPR product called “BRI Property Ownership Credit”. Banks are allowed to work with developers who sell houses with certificates that have not been divided according to the designation of each house. This also applies to developers who have not paid off the purchase of land. The type of research used in this research is normative law, namely the approach used is the statute approach and the case approach. This research is descriptive. The data in this study are secondary data (literature study) and primary data with random sampling, namely surveys, interviews with informants and notes, while the analysis used is qualitative juridical methods. The results show that the consumer's right to receive a land certificate after the credit is paid off, to choose and get a house. Consumers based on article 19 of the housing and settlement areas act (UUPK) can make claims for compensation in the form of money from the developer. The bank's obligation to facilitate financing facilities for customers, return collateral, and supervise debtors. The developers are obliged to carry out the construction of buildings according to time and architectural drawings, hand over land and house buildings, take care of the registration of the acquisition of rights to land.
Keywords: Home, Consumers, Banks, Developers.
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