Ulla Saharina Virlian, Sudiarto, Djumardin

Abstract:

The purpose of this study is to analyze the implementation of Subsidized Housing Loan Agreement in the State Savings Bank of Mataram Branch and what factors affect the implementation of subsidized mortgage in Bank Tabungan Negara (BTN) branch of Mataram branch. The type of research conducted in this study is empirical normative legal research. With the method of Statutory Approach, Concept Approach, Sociological Approach, this research is done by deductive method and analyzing descriptively. The results of the process of Subsidized Housing Loan (KPR) at Bank Tabungan Negara (Limited liability Company) Branch Mataram there are several stages namely: The first stage is the stage of filing a request file from the debtor to the creditor. The second stage is an interview between the debtor with the State Savings Bank (creditor), the initial selection of the debtor candidate, checking the identity, the ability to meet the credit requirements (attaching the salary list of the applicant working debtor institution or the income of the prospective debtor). The next stage is a survey conducted by the creditor (Bank BTN) related to the condition of the building whether it has become 100% or not. The last stage is the realization phase of the mortgage loan agreement. This stage is done before the notary public with the issuance of Deed of Credit Agreement. The factors that influence the implementation of mortgage loan agreement (KPR) subsidy there are several factors, among others: Internal Factors and External Factors. The principle of prudence is one of the most important principles that must be applied or implemented by the bank in carrying out its business activities. Based on the provisions of Article 2 and Article 29 paragraph 2 of Law Number 10 of 1998, banks without any reason shall respect the principle of prudence.

Keywords: ownership credit agreement, subsidy

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