Tanggung Jawab Hukum Antara Bank Dengan Konsumen Dalam Pelaksanaan Kredit Pemilikan Rumah

Credit/Financing of Home Ownership is a credit to finance the construction or purchase of housing and usually long term. The consumer (customers) who want to own a home can with credit purchases in the grading at Bank BTN and also can be in cash, if the consumer (the customer) approves all the terms and conditions of the bank then there is a agreement of Housing Credit between the bank and the consumer (customers). The purpose of this to know the process of House Ownership Credit Agreement at Bank BTN Solo Branch Office, and to know the rules applicable to the bank with the consumer, their rights and obligations and legal responsibility in House Ownership Credit Agreement. The research method is normative with descriptive research because it will describe systematically and comprehensively about the agreement, rights and obligation, and legal responsibility if one of the parties make a mistake in the agreement of Home Ownership Credit. Sources of data in this study used literature research to find secondary data so that it can be associated with primary data obtained from field research. The results of research and discussion in the process of Home Ownership Credit Agreement can be executed if it has fulfilled the requirements and terms specially regulated from banks and civil law. The credit agreement creates rights and obligations for the parties to be implemented. While the legal responsibility arises because of an error committed by one of the parties who do not perform their obligations. The error may be based on default due to negligence or negligence in violation of the agreement, so it shall be liable to reimburse the losses