Abstract

This study aims to explain the mechanism and legal relationship of purchase agreements, as well as the legal protection for Commercial People's Housing Credit buyers, focusing on the Mataram Residential Housing location. The research method used includes normative legal study, empirical approach, and legal methods such as conceptual, legislative, and sociological approaches. The study finds that the mechanism for the purchase agreement for Commercial Housing Credit for People's Housing Mataram Residents involves several stages: the Initial Offer and Agreement Stage, the Sale and Purchase Agreement Stage, the KPR Submission Stage to the Bank, the Credit Agreement Stage, the Sale and Purchase Deed Stage, and the Transfer of Rights. The legal relationship between the buyer and PT Permata Biru is a primary contractual relationship initiated through the initial agreement, booking fee, and finalized with the signing of the Sale and Purchase Agreement and the Deed of Sale and Purchase. Meanwhile, the legal relationship between the buyer and the bank arises from a credit agreement, which includes rights and obligations. The legal relationship between PT Permata Biru and the bank relates to project financing and certificate guarantees. Preventive legal protection refers to measures taken to avoid disputes, as stated in the agreement. Repressive legal protection involves dispute resolution. Consumers of Mataram Residence Housing can resolve disputes through litigation or non-litigation methods.