Tanggung Jawab Hukum Terhadap Pelaksanaan Kredit Pemilikan Rumah (KPR) Antara Bank Dengan Nasabah Pada Bank Perkreditan Rakyat Di Solobaru Sukoharjo

The purpose of this study are: (1) To know the implementation process between the bank and the customer in the mortgage loan at Bank Perkreditan Rakyat Solobaru Sukoharjo District. (2) To know the rules and rights of the obligations of banks and customers in the mortgage loan at Bank Perkreditan Rakyat Solobaru Sukoharjo regency. (3) To know the legal liability if one of the parties made a mistake on the basis of default or doing the act unlawful. Based on the analysis result, it can be concluded that: Implementation of agreement between bank and customer in mortgage credit at Solobaru Rural Bank Sukoharjo Regency through the following stages: (1) Before the mortgage agreement agreement, conducted with the customer must meet the target criteria to buy Mortgages, customers must have credit guarantees, meet administrative requirements and meet the terms of validity of the agreement. (2) The date of the agreement of the mortgage is done by signing the agreement which is executed by hand and forwarded by the Deed of Sale and Purchase in the presence of PPAT accompanied by the binding of the guarantee by Notary / PPAT with the issuance of the Power of Attorney of Contracting Rights (SKMHT) which is the authorization of the Deed of Granting Deposit Rights (APHT). (3) Upon the occurrence of a home ownership loan agreement in the form of a legal relationship or incurring the rights and obligations of each party according to the agreement which they have agreed upon, as outlined in the credit agreement agreement. Neither the bank nor the debtor must comply with all regulations established by the law as well as the provision made by the bank and between the bank and the debtor must also fulfill the obligations in the credit agreement it has made, since the obligation of the bank is the right of the debtor and the liability of the debtor is the right of the bank so that both parties must fulfill these rights and obligations, if one of the parties does not fulfill the obligation, it must be responsible. Legal liability can be based on wanprestasi if the debtor has made a mistake for example the debtor is not able to build mortgage installments after billed by the creditor three times in a row then the debtor can be declared wanprestasi this means the debtor does not perform its obligations as to which has been agreed by therefore based on Article 1243 The Civil Code of the debtor shall indemnify the creditor / bank