<![CDATA[This article analyzes the legal protections afforded to consumers within property credit agreements, emphasizing the critical role of justice in ensuring equitable outcomes. Employing a qualitative research methodology, this study explores the existing legal framework, its practical application, and the challenges faced by consumers in navigating the complexities of property credit. The analysis incorporates scholarly perspectives and recent legal developments to advocate for enhanced consumer protection measures that align with principles of fairness and transparency. Findings reveal significant gaps in the current legal framework, particularly in addressing power imbalances between lenders and borrowers, as well as in providing accessible remedies for consumers facing unfair practices. The study highlights the need for clearer disclosure requirements, stronger enforcement mechanisms, and improved financial literacy programs to empower consumers. By synthesizing theoretical insights with empirical observations, this research contributes to the ongoing discourse on consumer rights and proposes actionable reforms to strengthen the legal safeguards within property credit agreements. Ultimately, the article underscores the importance of a justice-oriented approach in fostering a more equitable and transparent credit market.]]>
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