Pelaksanaan Perjanjian Kredit Pemilikan Rumah (KPR) Bersubsidi Di Bank BTN Cabang Pekanbaru Berdasarkan Peraturan Menteri PUPR Nomor 21/PRT/M/2016

Nabila, Syifa Dzikra (2022) Pelaksanaan Perjanjian Kredit Pemilikan Rumah (KPR) Bersubsidi Di Bank BTN Cabang Pekanbaru Berdasarkan Peraturan Menteri PUPR Nomor 21/PRT/M/2016. Other thesis, Universitas Islam Riau.

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Abstract

The Pekanbaru Branch of State Savings Bank is one of the banks that provides subsidized housing loan (KPR) facilities aimed at Low-Income Communities. The main problem in this study is how to implement a subsidized housing loan agreement (KPR) at Bank BTN Pekanbaru branch and what are the obstacles or obstacles and efforts in implementing a subsidized housing loan agreement (KPR) at Bank BTN Pekanbaru branch. This type of research is empirical legal research, which is an approach by investigating matters directly related to the law and comparing the norms or provisions that apply to their application in the field. The nature of this research is descriptive, which describes the situation by describing the results of research both sourced from laws and regulations and the results of interviews related to the things that the author will examine. Location The research was conducted at PT. Bank BTN. Tbk Pekanbaru. The results of this study can be concluded first, in the implementation of the subsidized Home Ownership Credit Agreement (KPR) at Bank BTN Pekanbaru Branch, the applicant must meet the requirements that have been given by the bank by filling in the personal data form and also several statement letter forms. Furthermore, the bank will conduct an interview process with the applicant to verify it and will also conduct a field review by the bank. After the bank approves the applicant to take a Subsidized Home Ownership Loan (KPR) at Bank BTN Pekanbaru Branch, both parties will carry out the Subsidized Home Ownership Credit (KPR) agreement at Bank BTN Pekanbaru Branch until the process of signing the Credit Agreement (PK). Obstacles or obstacles in the implementation of the Subsidized Home Ownership Credit (KPR) agreement at Bank BTN Pekanbaru Branch, namely the existence of debtors who are in default.

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