Legal Liability of Developers in Breach of Contract Against Consumers in House Sale and Purchase Agreements Through Mortgage Facilities (KPR)

The sale and purchase of houses using Mortgage Credit Facilities (KPR) is economically beneficial for the public, especially for those with limited financial capacity. However, the issue of developers breaching contract in such transactions has become a recurring problem and needs to be addressed in the context of consumer protection in Indonesia. This research discusses the forms of breach of contract committed by developers that result in losses for consumers. The main focus is the protection for consumers who suffer losses due to breach of contract in house sale and purchase agreements through mortgage facilities. The research method used is normative juridical legal research with a descriptive-analytical approach. Data collection techniques include literature review and legal document analysis. The results of the research indicate that the legal relationship established between the consumer, developer, and bank creates rights and obligations for each party. When a developer breaches the contract, consumers are entitled to legal protection as regulated in Law Number 8 of 1999 on Consumer Protection and the Indonesian Civil Code (KUHPerdata). Based on the developer’s legal liability for the losses suffered by consumers, legal remedies may include claims for material and immaterial damages. The Consumer Protection Law and Civil Code provide a relevant legal framework for handling such cases.