PELAKSANAAN OVER KREDIT KEPEMILIKAN RUMAH PADA BANK TABUNGAN NEGARA CABANG PADANG

Abstract

ABSTRACT

Mortgages with a system of over is a way if the customer is not able to continue the payment of loans to the bank then can be transferred to another party. Formulation of the problem : (1) how does the implementation Over Credit home ownership on bank BTN Pasture? (2) whether the constraints in implementation Over Credit home ownership on bank BTN Pasture? (3) how is the implementation of the settlement effort Over Credit home ownership on bank BTN field. This research is the juridical sociological research. The data used include primary and secondary data. The technique of data collection is interviews and document study, datawere analyzed qualitatively. Conclusion the results of the study are (1) the implementation of Over Credit home ownership would have the power to legally doing so officially by contacting the bank by the time the process instead of the debtor. (2) the constraints on Credit Over the ownership of the House is present on an obscure information about the debtor's whereabouts, instead of the old debtor's reply is not known, and the period of execution of the watu over debtors who do not comply with the provisions. (3) settlement Efforts of constraint Over Credit home ownership that is traditionally the family, contact the concerned, come up to, give a solution. The giving clear information to customers can prevent clients and prospectiveclients of issue and ignorance regarding Over Credit home ownership.

Keywords: Implementation, Over Credit, Banking