Legal Consequences for Home Ownership Credit (KPR) Debtors Regarding Certificates That Have Not Been Transferred to Their Name Until the Credit Has Been Paid Off

This study discusses the legal consequences for debtors (buyers) who have paid off their Home Ownership Credit (KPR) facilities but have not received a certificate as proof of ownership of the land and buildings that have been paid in installments for years. In the context of civil law, a land title certificate is valid evidence and provides legal certainty regarding property ownership. This study identifies the legal responsibilities that must be fulfilled by the Bank and Developer, which are related to the delay or non-submission of the certificate to the debtor. This study also analyzes the potential losses faced by the debtor and the legal protection available to them. The method used is normative analysis by referring to the laws and regulations in force in Indonesia. The results of the study indicate that imperfections in the submission of certificates by the Developer and Bank can be detrimental to the debtor legally, who can claim compensation in accordance with the provisions of the Civil Code.