Tinjauan Yuridis Perjanjian Alih Debitur Dalam Pemberian Kredit Kepemilikan Rumah (Studi di Bank BTN Kantor Cabang Solo)

This study aims to know the process of taking over debtors in the provision of house ownership credit, due to the law of the debtors over the guarantee of house ownership credit, and problems arising in the debtors' transfer agreement in the provision of house ownership credit at BTN Bank Solo Branch Office. This research is empirical law research. Methods of data collection through field study and library study. Technical analysis of this data is an interactive analysis. The results showed that 1) The process of taking over the debtor in the provision of house ownership credit begins with the fulfillment of requirements from the bank to the debtor, then proceed with the process of applying for new house ownership credit by new debtor candidate, After the process has been fulfilled, the bank then evaluates the interview stage, the credit analysis stage, the approval stage, the signing of the credit agreement and the binding of the guarantee, the disbursement stage. 2) Due to the law of the transfer of the debtors to the guarantee of house ownership credit, namely the process of buying and selling will give birth to the sale and purchase contract issued by the notary as evidence that the transfer of ownership of collateral to the new debtor, a renewal of the debtor's new debts has a legal relationship with the creditor as a result of the law of the newly created credit agreement, binding of mortgages to become new credit guarantees. 3) The problems that arise in the agreement of the debtor in the granting of house ownership credit in Bank BTN Solo Branch Office is the sale and purchase of collateral under the hand