transfer of housing credits under the hands in bank btn padang branch

Housing development is very important for the welfare of the people considering the number ofpeople who tend to increase every year and this will lead to high demand for good and decent dwelling. inthis regard, the government has attempted through the law instruments with the enactment of lawnumber 4 of 1992 concerning housing and settlements which, among others, in article 33 paragraph (1)and paragraph (2) are mentioned to provide financial aid / or convenience to the community build theirown homes or have a home government make efforts with housing loans. housing loans (kpr) as oneform of credit has been given by many private banks and government. the state savings bank (btn) isone of the most well-known banks in the community as a leading bank in the provision of housing loans.this is in line with the vision of the state savings bank (btn) to become a leading bank in housingfinance. in this study the authors find the formulation of the problem as follows: 1) how the process oftransfer of ownership of the house in the repayment of kpr under the hands of the state savings bank(btn) branches of padang? 2) why the sale and purchase of housing and land kpr btn under the hand?3) what is the legal protection for a third party in the event of the transfer of ownership of the house inthe settlement of kpr under the hand? this study uses a kind of empirical juridical research. the authorsbased on the results of the study found: 1) in practice based on observations and interviews of owners ofkpr btn who had done over credit and home buyers, it can be seen that the parties only makeagreements under the hand, the way is a form of legal smuggling and still do not have legal certainty 2)economic factors are very dominant in influencing the occurrence of buying and selling houses and landunder the hands, bad faith, ignorance of the community will the law 3) sale and purchase of houses andland kpr btn under the hands of the huum considered not transferred the right to house and land. thetransfer of rights to the house and land by law only occurs when the sale and purchase of the act has beenmade with the ppat deed and then there is the name of the certificate back on behalf of the buyer.