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Abstrak :
Salah satu tujuan dari didirikannya Perusahaan Fasilitas Pembiayaan Sekunder Perumahan (Secondary Mortgage Facilities) adalah untuk mengatasi masalah pembiayaan perumahan yang dirasakan belum dapat memenuhi kebutuhan pendanaan yang memadai, upaya yang akan ditempuh dengan menggali dari sumber-sumber sekunder yang diharapkan dapat menunjang sistem pembiayaan perumahan yang berlaku saat ini. Tugas lembaga ini adalah 1. melakukan kegiatan usaha pembiayaan dalam bentuk fasilitas pembiayaan sekunder perumahan yaitu pinjaman jangka menengah atau panjang kepada bank yang memberikan KPR dengan jaminan berupa tagihan atas KPR dan hak tanggungan atas rumah dan atau tanah yang bersangkutan. 2. menghimpun dana masyarakat untuk membiayai kegiatan pembiayaan sekunder perumahan dengan menerbitkan surat berharga jangka panjang dan atau jangka pendek. Penelitian ini dilakukan untuk melihat apakah dengan berdirinya lembaga ini perangkat peraturan-peraturan hukum sudah dapat cukup memadai apa tidak ? kalau belum maka akan dicari penerapan hukumnya dan atau membuat peraturan-peraturan baru sehingga dalam pelaksanaan kegiatan lembaga tersebut dimungkinkan persoalan hukum yang timbul sangat kecil.

Abstrak :
Kebutuhan akan perumahan merupakan kebutuhan pokok manusia untuk dapat dipenuhi sebagai tempat tinggal. Dalam praktiknya, penjualan rumah oleh pelaku usaha developer dilakukan sebelum rumah tersebut selesai dibangun dengan melalui pesanan terlebih dahulu. Pembelian rumah yang melalui pesanan akan dituangkan ke dalam perjanjian jual beli perumahan, yang dikenal dengan sebutan Perjanjian Pengikatan Jual Beli PPJB antara pelaku usaha dan konsumen. Perjanjian jual beli perumahan ini merupakan kesepakatan yang dijadikan pedoman dalam proses pembangunan rumah untuk saling memenuhi hak dan kewajiban dari masing-masing pihak sebagaimana yang diperjanjikan. Akan tetapi, dalam pelaksanaannya ternyata developer wanprestasi untuk membangun rumah yang dipesan oleh konsumennya yaitu berupa keterlambatan dalam serah terima rumah yang tidak sesuai dengan perjanjian yang telah disepakati, seperti yang terjadi pada kasus yang menjadi topik dalam penelitian ini. Oleh karena janji-janji yang tidak kunjung dipenuhi dan juga timbul masalah karena perbuatan developer maka pembeli akhirnya mengadukan pelaku usaha tersebut ke Badan Penyelesaian Sengketa Konsumen BPSK Tangerang Selatan. Metode penelitian dalam penelitian ini adalah yuridis normatif. Hasil Penelitian ini disimpulkan bahwa pelaku usaha telah melanggar ketentuan dalam Undang-Undang Perlindungan Konsumen UUPK , Undang-Undang Perumahan dan Kawasan Permukiman, KEPMENPERA tentang Pedoman Pengikatan Jual Beli Rumah; Dalam PPJB Perumahan Discovery Eola Bintaro ini terdapat klausula baku yang melanggar ketentuan Pasal 18 ayat 1 UUPK; dan Berdasarkan pelanggaran yang dilakukan oleh developer selaku pelaku usaha terhadap perjanjian jual beli perumahan yang menyebabkan kerugian dapat diminta pertanggungjawaban berupa tanggung jawab perdata maupun pidana.Kata Kunci: Pelindungan Konsumen, Perjanjian Jual Beli Perumahan, Perjanjian Pengikatan Jual Beli Rumah, Konsumen, Pelaku Usaha, Keterlambatan Serah Terima Rumah.

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The need for housing is a basic human needs to be met as a residence. In practice, the sale of house by developer carried out before the house was completed through advance orders. House purchases through orders will be submitted into the housing purchase and sale agreement, that is known as the house preliminary sale and purchase agreement PPJB between businesses developer and consumers. Residential purchase and sale agreement is an agreement that is used as guidelines in the construction process to fulfill the rights and obligations mutually of each party as agreed. However, in practice the developer default to build a house that was ordered by the consumer in the form of a delay in the handover of the house that does not comply with the agreements that have been agreed upon, as occured in the case as subject of this research. Because of promises not being fulfilled and problem appear caused by developer, then finally consumer denounce the business actors to Consumer Dispute Settlement Board BPSK South Tangerang. The research method in this case is juridical normative. The results of this research concluded that businesses have violated the provisions of Law No. 8 Year 1999 about Consumer Protection, Law No. 1 Year 2011 about Housing and Neighborhoods, KEPMENPERA on Guidelines for the Sale and Purchase of House Housing PPJB Discovery Eola in Bintaro, there are standard clauses that violate the provisions of Article 18 paragraph 1 of Law No. 8 Year 1999 and Based on the violations committed by developers as businesses towards the purchase agreement the housing that causes the loss can be held accountable in the form of civil or criminal liability.Keywords Consumer Protection, The Sale and Purchase Agreement, Consumer, Business Communities, Delay Handover Building.

Abstrak :
"If you're going through the process of buying a home, chances are there are questions you desperately need answers to -- right away! Luckily, The Home Buyer's Question and Answer Book gives you all the crucial information you need, in an easy-to-flip-to format you can easily consult on the run. Featuring more than 150 questions, as well as sample loan applications and other valuable resources, the book provides simple answers to fundamental (yet often daunting) questions such as: * How do I start the homebuying process? * What if I have blemishes on my credit report? * What are the different types of real estate agents and how much do they charge? * How can I ensure an accurate, productive home inspection? * What can I do to ensure a smooth closing? Taking you through the entire process, all the way from the decision to buy to post-sale responsibilities, The Home Buyer's Question and Answer Book is an essential guidebook no first-time home buyer should be without."

Abstrak :
Rumah sebagai kebutuhan dasar setiap manusia merupakan porsi pengeluaran terbesar dari setiap rumah tangga. Mekanisme pemberian dana kepada masyarakat untuk membeli rumah sesuai prinsip syariah yaitu KPR iB. Bila bank syariah menerbitkan KPR iB secara terus menerus dengan pembiayaan bersumber pada dana jangka pendek akan menimbulkan kesenjangan antara sumber dan penggunaan dana (mismatch funding). Perlu diupayakan tersedianya sumber dana jangka menengah dan panjang dari pasar modal. Sekuritisasi merupakan model transaksi yang tepat bagi penyalur KPR iB yang memiliki keinginan untuk memperbaiki struktur modalnya dan dapat mengatasi kesenjangan pendanaan KPR iB yang berjangka panjang. Berdasarkan latar belakang tersebut, penelitian ini menganalisis 2 (dua) pokok permasalahan yaitu bagaimana transaksi sekuritisasi syariah ditinjau dari maqashid syariah dan bagaimana implementasi pengaturan sekuritisasi Efek Beragun Aset Syariah Berbentuk Surat Partisipasi (EBAS-SP). Metode penelitian yang digunakan adalah penelitian hukum normatif dengan pendekatan undang-undang berdasarkan jenis data primer dan data sekunder. Hasil analisis memperoleh simpulan bahwa sekuritisasi EBAS-SP merupakan wujud implementasi dari salah satu tujuan hukum Islam (maqashid syariah) yakni perlindungan terhadap harta (hifz al-mal) yang berkaitan dengan kebutuhan tahsiniyat untuk mendukung terpenuhinya kebutuhan dharuriyat (kebutuhan primer) dalam hal ini yaitu rumah yang layak dan terjangkau bagi keluarga Indonesia. Sampai tulisan ini dibuat, belum pernah ada sekuritisasi syariah di Indonesia. Sehingga menjawab permalasahan selanjutnya disimpulkan implementasi dari peraturan terkait sekuritisasi syariah bahwa aset KPR iB yang dapat di-sekuritisasi hanya aset yang timbul dari pembiayaan perumahan yang berdasarkan akad Musyarakah Mutanaqishah (MMQ), Ijarah Muntahiya Bi al-Tamlik (IMBT) dan/atau akad-akad lain yang kedudukan kepemilikan aset masih berada pada bank. Adapun akad yang digunakan dalam transaksi sekuritisasi EBAS-SP itu sendiri yaitu Akad Wakalah bi al-ujrah, Akad Kafalah bi al-ujrah, Wa’d Al-bai' al-haqiqi. Penulis menyampaikan saran bahwa transaksi sekuritisasi syariah dapat terealisasi dengan adanya kolaborasi dan sinergi didukung dengan adanya sosialisasi edukasi dari stakeholder perbankan syariah dan pasar modal syariah kepada bank syariah dan investor. ......House as a basic need of every human being is the largest portion of the expenditure of every household. The mechanism for providing funds to the public to buy houses according to the sharia principle is KPR iB. If an Islamic bank issue KPR iB continuously with financing sourced from short-term funds, it will create a gap between the source and use of funds (mismatch funding). Efforts should be made to provide medium and long-term sources of funds from the capital market. Securitization is the right transaction model for iB mortgage lenders that have the desire to improve their capital structure and can overcome the long-term iB mortgage funding gap. Based on this background, this study analyzes two (2) main problems, namely how sharia securitization transactions are viewed from the maqashid sharia and how to implement and arrange the securitization of Sharia Asset-Backed in the Form of Participation Letters (EBAS-SP). The research method used is normative legal research with a legal approach based on primary and secondary data types. The results of the analysis conclude that the EBAS-SP securitization is a form of implementation of one of the objectives of the Islamic law (maqashid syariah), namely the protection of property (hifz al-mal) related to the tahsiniyat need to support the fulfillment of dharuriyat needs (primary needs), in this case is decent and affordable housing for Indonesian families. Until this writing, there has been no sharia securitization in Indonesia. Therefore, in answering the subsequent problem it is concluded from the implementation of the sharia securitization regulations that the KPR iB that can be securitized are only assets that arise from housing finance based on Musyarakah Mutanaqishah (MMQ) contracts, Ijarah Muntahiya Bi al-Tamlik (IMBT) and/or other contracts where the asset ownership is still with the bank. Meanwhile, the contracts used in the EBAS-SP securitization transactions are Wakalah bi al-ujrah, Kafalah bi al-ujrah, Wa’d and Al-bai' al -haqiqi contracts. The author suggests that sharia securitization transactions can be realized through collaboration and synergy supported by educational outreach from sharia banking and sharia capital market stakeholders to sharia banks and investors.

Abstrak :
In a perfect world, real estate agents would work only with prospective home buyers who have preapproved financing, and sellers who are fully aware of their property’s title status. In reality, Realtors can do everything right to get listings, present houses, and make deals . . . only to have them fall through at the last minute. Saving the Deal gives readers proactive tips and valuable advice that will help save them the pain and heartache -- not to mention the cost -- that comes from losing a deal.

Abstrak :
Finding a condo, co-op, or townhouse to call home is hard enough, but finding financing to buy this kind of property is even more challenging. As a veteran mortgage banker and author of Mortgages 101, David Reed has helped thousands of buyers through this complicated process. Financing Your Condo, Co-op, or Townhouse offers readers invaluable advice, including information on developer financing, specialty loans, government programs and refinance loans, streamlining the approval process, appraisals, closing costs, and more. Readers will discover: the differences among condos, co-ops, and townhouses, how to find the right type of property for them, the rules governing loans for condos, co-ops and townhouses, how to evaluate which loan type is best and lock in the lowest rate, why the percentage of owner-occupied units is important, what to consider when buying new construction or conversion properties, the financial considerations unique to each type of home Whatever the property, whatever the question...this handy guide to financing has the answers.

Abstrak :
With thousands of new eco-minded houses being built, and the real estate market becoming more attuned to home-buyers' interests, demand for ecologically efficient living spaces is still exceeding the supply. Yet few resources exist for those wanting to build, buy, or remodel their own home to use less energy and be environmentally sensitive. This practical, reader-friendly guide gives readers all the guidance they need to easily become ecologically responsible homeowners.

Abstrak :
Most people believe they lack the capital required for serious wealth-building, unwittingly tying up money in equity they could be investing elsewhere for greater return. "Untapped Riches" offers 40 wealth-building and wealth-protection strategies, flying in the face of conventional wisdom to argue that there is both good and bad debt - and that the former is essential to generating cash flow and building significant wealth. This valuable, empowering book shows how anyone can get the cash they need, and use it to make a radical difference in their financial health.