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All Journal Jurnal Teknik Mesin (JTM) Jurnal Globalisasi Hukum
Nina Wulandari, Nina
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Humanities Engineering Law, Crime, Criminology & Criminal Justice Mechanical Engineering Social Sciences

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Journal : Jurnal Globalisasi Hukum

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PERLINDUNGAN HUKUM BAGI DEBITUR BANK DALAM PERJANJIAN KREDIT PEMILIKAN RUMAH (KPR): Legal Protection for Bank Debtors in Home Ownership Loan Agreements (KPR) Wulandari, Nina
Jurnal Globalisasi Hukum. Vol. 1 No. 1 (2024): Jurnal Globalisasi Hukum
Publisher : Fakultas Hukum, Universitas Trisakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25105/jgh.v1i1.19847

Abstract

Human beings need a home as their basic necessity. Purchasing a house through installments has been the most popular method for several decades. The Home Ownership Loan Agreement (KPR) is a legal document between the debtor and the bank regarding the purchase of a house that is paid in installments by the debtor. According to Banking Law, KPR agreements tend to have provisions that benefit the bank, including high interest rates and significant additional costs. These implications further strengthen the need for increased transparency and legal protection for debtor customers, as well as stricter regulations in the banking industry to ensure a balance of interests between the bank and the debtor, given the debtor's relatively weak position. With legal protection for debtor customers, if debtor customers incur losses or risks in the KPR agreement, the creditor is obliged to handle, address, and resolve various complaints or losses experienced by the debtor party.
Co-Authors Putut Jatmiko Dwi Prasetio, Putut Jatmiko Dwi