PRAKTEK PENJAMINAN HAK TANGGUNGAN DALAM PERJANJIAN KREDIT PEMILIKAN RUMAH SEDERHANA (KPRS) (STUDI PADA PT. BANK NEGARA INDONESIA (PERSERO)TBK KOTA MALANG)

SAHIDI, RACHMAD SUCI (2010) PRAKTEK PENJAMINAN HAK TANGGUNGAN DALAM PERJANJIAN KREDIT PEMILIKAN RUMAH SEDERHANA (KPRS) (STUDI PADA PT. BANK NEGARA INDONESIA (PERSERO)TBK KOTA MALANG). Other thesis, University of Muhammadiyah Malang.

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Abstract

Credit Election Simple House (KPRS) included in consumer credit, because credit provided by Bank BNI to the debtor at the typically used to buy a house as a residence / occupied. BNI issue of BNI Griya product is a credit facility for the purchase / construction / renovation of the residence. Houses are purchased on a credit must use the rights of Liability insurance. This research took the formulation of the problem: 1. How to make Practice SKMHT KPRS in The Bank BNI Branch of Malang Agreement ? 2. How to Practice Making APHT from KPRS herein SKMHT BNI Main Branch In Malang? 3. How Registration Rights Practices Liability of APHT By Land and Houses Object KPRS In BNI Branch of Malang? Research methods used by the juridical sociological, data collection techniques in the form of interviews with respondents of Staff Legal Officer or the credit department BNI Malang, notary / PPAT-making authority in the Right Liability insurance certificate, then the results of these studies are descriptive qualitative analysis. From the research results can be concluded that the practice of guaranteeing rights of Liability in the simple Housing Loan Agreement with Bank BNI Malang, for debtors SKMHT with KPRS users in 2009 was 128 debtors, including 66 for the 15-year loan installment and the installment period of 62 to 20 years. As for the land which is still in the process of solving the original land had to use SKMHT. SKMHT can be increased to APHT by Bank BNI did not have to wait for bad debts, increased APHT also done before the problem loans. APHT must be registered to the Office of Land Rights for the issuance of certificates of Liability. Liability Rights published certificate by the Land Office can assist in obtaining bank credit repayment. Shipping BNI The constantly monitor customer payments in the payment of arrears that do not occur.

Item Type: Thesis (Other)
Subjects: K Law > K Law (General)
Divisions: Faculty of Law > Department of Law
Depositing User: Rayi Tegar Pamungkas
Date Deposited: 29 Mar 2012 01:32
Last Modified: 29 Mar 2012 01:32
URI: http://eprints.umm.ac.id/id/eprint/902

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