Implementation of the Basis of Legal Certainty to the Parties in the BTN Bank Mortgage Agreement with the Binding Sale Purchase Agreement Act (Study at Bank BTN Kediri)
Abstract
PT Bank Tabungan Negara (Persero) Tbk (Bank BTN) is a State-Owned Enterprise (BUMN) which operates in the banking sector, committed to being a bank that serves and supports housing sector financing. The mission carried out by Bank BTN is to actively support the government in advancing the welfare of the Indonesian people through home ownership and realizing the life that millions of Indonesians dream of through providing decent homes. One type of credit that is still in demand and needed by the public is KPR (Home Ownership Credit). Bank BTN as a bank that focuses on housing financing certainly fully supports the One Million Houses Program launched by the government. It is proven that currently Bank BTN is a bank with market share The largest Home Ownership Credit (KPR) in Indonesia. In order to improve and optimize services to the community with the development of the KPR business and support Bank operations both in terms of business processes and maintaining document quality, there are conditions where it is not possible to make a Sale and Purchase Deed (AJB) so that a temporary binding agreement is needed, namely a Sale and Purchase Agreement ( PPJB). This research aims to analyze and explain legal protection for the fulfillment of the rights of the parties in purchasing a house through a KPR agreement with a sale and purchase agreement (PPJB) at Bank BTN Kediri. This type of research is empirical juridical legal research and the specifications in this research are descriptive. The source and type of data in this research is primary data obtained from field studies in the form of interviews with Bank BTN Kediri employees and Notaries in the former Kediri residency. And secondary data was obtained from literature studies related to the theory of legal certainty and legal protection. The result of this research is that Bank BTN has provided legal protection for the parties in order to create the principle of balance.
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