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Perjanjian Kerjasama Pembiayaan Kpr

Perjanjian Kerjasama Pembiayaan Kpr

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Published by Aris Dwi Suryadi
untuk mendapatkan softfile dokumen ini hubungi email : satryawangsa@ymail.com
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Categories:Business/Law
Published by: Aris Dwi Suryadi on Jan 12, 2011
Copyright:Traditional Copyright: All rights reserved

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12/13/2013

 
ZMRON@OCN@ KMRONWNANN@TNRNZT. ANFKHTN ZMRANTN GMAMRLN@EDM@EN@ZT. BN@K EM@TN B]N@N,Tbk TM@TN@E KRMDCT KMZMACLCKN@ R]ANF@hahr ?
Zmron`ocn` kmronwnan c`c, }`t}k wmln`o}t`sn dc wmb}t Zmron`ocn`, dc b}nt fnrc c`c, ,tn`eenl,dc BNLCKZNZN@, hlmf dn` n`tnrn ?
>.
Zmrwmrhn` Tmrbntnw ZT. ANFKHTN ZMRANTN GMAMRLN@E
bmrkmd}d}kn`dc BNLCKZNZN@ Onln` XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX sn`e dcunkclchlmf t}n` Wn`thwh Nrcmi E}`nun` Wnwtrndcz}rn, dnlna kmd}d}kn``sn wmbnencDcrmkt}r ]tnan zmrwmrhn`, sn`e dnlna amlnk}kn` zmrb}ntn` f}k}a c`c am`dnzntzmrwmt}o}n` dnrc
t}n` W}trcw`h
dnlna kmd}d}kn``sn wmlnk} Khacwnrcwzmrwmrhn`, dmackcn` bmrum`n`e dn` wnf bmrtc`dnk }`t}k dn` ntnw `nan zmrwmrhn`,}`t}k wmln`o}t`sn dcwmb}t
ZCFNK ZMRTNAN
.
2.
Zmrwmrhn` Tmrbntnw ZT. BN@K EM@TN B]N@N Tbk
, bmrkmd}d}kn` dc Onknrtn,dnlna fnl c`c amlnl}c kn`thr gnbn`e`sn dc BNLCKZNZN@, Onln` XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX `h. XXXXXXXXXXXXXXXXXXXXXXXXXXXXXX, sn`e dcunkclc hlmf
 XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX 
dnlna kmd}d}kn``sn wmbnenc knrsnun`zcazc`n` dmackcn` bmrdnwnrkn` k}nwn Dcrmkwc bmrum`n`e dn` wnf bmrtc`dnk }`t}kdn` ntnw `nan zmrwmrhn`,}`t}k wmln`o}t`sn dcwmb}t
ZCFNK KMD]N
.Wmln`o}t`sn
ZCFNK ZMRTNAN
dn`
ZCFNK KMD]N
wmgnrn bmrwnan!wnan dcwmb}t wmbnenc
“ZNRN ZCFNK‑
Wmbml}a Znrn Zcfnk am`mrn`ekn` tmrlmbcf dnf}l} fnl!fnl wmbnenc bmrck}t ?
ZCFNK ZMRTNAN ndnlnf Zmr}wnfnn` Rmnl Mwtntm snct} bmremrnk dnlna bcdn`ezm`smdcnn` tn`nf bmrck}t bn`e}`n` r}anf ntn} tn`nf bmrck}t bn`e}`n` r}anf sn`eamrn`eknz wmbnenc thkh &}`t}k wmln`o}t`sn g}k}z dcwmb}t tn`nf bmrck}t bn`e}`n`#sn`e bmrlhknwc dc uclnsnf zmr}anfn` sn`e dcbn`e}` ZCFNK ZMRTNAN snct} dczmr}anfn` XXXXXXXXXXXXXXXXXXXXXXXXXXXXX 
ZCFNK KMD]N ndnlnf zmrwmrhn` sn`e bmremrnk dc bcdn`e zmrbn`kn` sn`e n`tnrnlnc` kmecntn` }wnfn`sn ndnlnf am`snl}rkn` krmdct.
ZMABMLC ntn} DMBCT]R ndnlnf zcfnk sn`e am`dnzntkn` inwclctnw krmdct bmr}znInwclctnw Krmdct Kmzmaclckn` R}anf(R}kh & wmln`o}t`sn g}k}z dcwmb}t KZR# dnrcZCFNK KMD]N }`t}k wmln`o}t`sn dczmre}`nkn` }`t}k amabmlc tn`nf bmrck}tbn`e}`n` dnrc ZCFNK ZMRTNAN.Bnfun ZCFNK KMD]N bmrankw}d am`endnkn` kmronwnan dm`en` ZCFNK ZMRTNAN snct}dnlna fnl zmabmrcn` inwclcltnw krmdct hlmf ZCFNK KMD]N kmzndn ZMABMLC ntn} DMBCT]Rsn`e dcbn`e}` dn`(ntn} dco}nl hlmf ZCFNK ZMRTNAN.Bmrdnwnrkn` fnl!fnl tmrwmb}t dc ntnw ankn znrn zcfnk wmt}o} dn` wmznknt }`t}k am`endnkn`zmron`ocn` c`c dm`en` wsnrnt!wsnrnt dn` kmtm`t}n`!kmtm`t}n` wmbnenc bmrck}t?
ZNWNL >
ZCFNK KMD]N bmrwmdcn amabmrckn` inwclctnw krmdct kmzndn ZMABMLC sn`e nkn` dct}n`ekn`dnlna zmron`ocn` krmdct sn`e dctn`dntn`en`c wmgnrn tmrzcwnf dnrc ZMRON@OCN@ c`c.Inwclctnw KZR tmrwmb}t bmrlnk} kmtm`t}n` wmbnenc bmrck}t?
>.
On`ekn unkt} n`ew}rn` ankwcanl ndnlnf XXXXXXXXXXXXXXXXX& XXXXXXXXXXXXXXXXXXXXXXXXXXXX# tnf}` }`t}k zmabmlcn` tn`nf bmrck}t bn`e}`n`&r}anf tc`eenl#.
2.
On`ekn unkt} n`ew}rn` ankwcanl ndnlnf XXXXXXXXXXXXXXXXXXXXXX& XXXXXXXXXXXXXXXXXXXXXXXXXXXXX# tnf}` }`t}k zmabmlcn` tn`nf bmrck}t bn`e}`n`r}anf amrn`eknz thkh &r}kh#.
7.
Bmwnr`sn zmabcnsnn` hlmf ZCFNK KMD]N ndnlnf wmbmwnr XXXXXXXXXXX-& XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX zrhwm`# dnrc fnren o}nl dctnabnf dm`en`
 
Znonk Zmrtnabnfn` @clnc &ZZ@# }`t}k }`t}k zmabmlcn` tn`nf bmrck}t bn`e}`n` &r}anftc`eenl# ntn} wmw}nc kmtm`t}n` sn`e bmrlnk} zndn ZCFNK KMD]N.
4.
Bmwnr`sn zmabcnsnn` hlmf ZCFNK KMD]N ndnlnf wmbmwnr XXXXXXXXXXXXXXXX-& XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX zrhwm`# dnrc fnren o}nl dctnabnf dm`en`Znonk Zmrtnabnfn` @clnc &ZZ@# }`t}k }`t}k zmabmlcn` tn`nf bmrck}t bn`e}`n` r}anfamrn`eknz thkh &r}kh# ntn} wmw}nc kmtm`t}n` sn`e bmrlnk} zndn ZCFNK KMD]N.
=.
Bclnan`n ZMABMLC ntn} DMBCT]R tmlnf amabnsnr }n`e a}kn lmbcf bmwnr ntn}wnan dm`en` 4:- ankn rmnlcwnwc KZR am`}`ee} nznbcln zmabn`e}`n` r}anfw}dnf wmlmwnc(r}anf dnlna kmndnn` wcnz f}`c am`}r}t zm`clncn` ZCFNK KMD]N.
9.
Zmabcnsnn` hlmf ZCFNK KMD]N tmrbntnw }`t}k tn`nf sn`e ac`canl tmlnfbmrwmrtczcknt c`d}k.
5.
Ntnw inwclctnw c`c dconac` dm`en` tn`nf bmrck}t dm`en` wmenln bn`e}`n` sn`e bmrdcrc dcntnw`sn dn` unocb dcntnw`nankn` ZMABMLC ntn} DMBCT]R ntn} w}nac ntn} cwtmrc ntn}n`nk kn`d}`e ntn} wn}dnrn kn`d}`e.
6.
ZMABMLC ntn} DMBCT]R unocb am`enw}rn`wckn` hbsmk onac`n` an}z}` dcrc ZMABMLCntn} DMBCT]R zndn zmr}wnfnn` nw}rn`wc sn`e dct}`o}k hlmf ZCFNK KMD]N dn` wmw}ncwsnrnt!wsnrnt sn`e dctm`t}kn` hlmf ZCFNK KMD]N.
3.
ZCFNK KMD]N amaz}`snc fnk }`t}k amlnk}kn` mynl}nwc ntnw o}alnf zlnih`d inwclctnwkrmdct an}z}` zmrwsnrntn` krmdct sn`e dcwmdcnkn` bneC ZMABMLC ntn} DMBCT]R dnlnazmron`ocn` c`c.
>:.
Bclnan`n ZCFNK KMD]N am`clnc bnfun zmln`eenrn` ZCFNK ZMRTNAN amlmbcfc =-&lcan zrhwm`# dnrc thtnl dhk}am` sn`e am`scazn`e sn`e unocb dcwmrnfkn`, ankn}`t}k wmam`tnrn kmronwnan c`c dcfm`tckn` wnaznc kmtm`t}n` tmrwmb}t dnzntdczm`}fc ZCFNK ZMRTNAN.ZNWNL 2ZRHWMD]R ZMLNKWN@NN@ DN@ ZMRWSNRNTN@ZMABMRCN@ INWCLCTNW KRMDCT
>.ZMABMLC ntn} DMBCT]R am`eno}kn` zmrahfh`n` }`t}k am`dnzntkn` inwclctnw krmdctkmzndn ZCFNK KMD]N.2.ZCFNK KMD]N bmrfnk }`t}k am`enabcl kmz}t}wn` amabmrckn` ntn} am`hlnk krmdctkmzndn ZMABMLC ntn} DMBCT]R.7.Bmrdnwnrkn` fnwcl mynl}nwc, ZCFNK KMD]N nkn` am`gncrkn` inwclctnw krmdct kmzndnZMABMLC ntn} DMBCT]R dm`en` am`n`dntn`en`c zmron`ocn` krmdct dn`(ntn} zmron`ocn`zm`eckntn` onac`n` lnc``sn an}z}` w}rnt!w}rnt ntn} dhk}am` lnc` sn`e amr}znkn` wnt}kmwnt}n` dm`en` zmron`ocn` krmdct.
4.
Zm`n`dntn`en`n` zmron`ocn` krmdct tmrwmb}t dc ntnw dclnk}kn` n`tnrn ZCFNKMD]N dn` ZMABMLC ntn} DMBCT]R bmrwnann` dm`en` zm`n`dntn`en`n` Nktn O}nl Bmlc n`tnrn ZMABMLC ntn} DMBCT]R dm`en` ZCFNK ZMRTNAN wmln`o}t`snZMABMLC bmrkmunocbn` am`n`dntn`en`c W}rnt K}nwn Amabmbn`kn` Fnk Tn`ee}`en` &WKAFT# ntn} Nktn Zmabmrcn` Fnk Tn`ee}`en` &NZFT# }`t}kkmzm`tc`en` ZCFNK KMD]N
amlnl}c @htnrcw Wrc Unfs} Ontackhuntc, W.F ntn} `htnrcwsn`e dct}`o}k BN@K
.
=.Wmln`o}t`sn ntnw inwclctnw krmdct sn`e dcbmrckn` kmzndn ZMABMLC ntn} DMBCT]R nkn`dctrn`wimr(dczc`dnfb}k}kn` km rmkm`c`e ZCFNK ZMRTNAN.
ZNWNL 7ZRHWMD]R ZM@GNCRN@ INWCLCTNW KRMDCT
]`t}k zmabmlcn` r}anf ntn} r}kh wcnz f}`c, zm`gncrn` dn`n dctrn`wimr km rmkm`c`e ZCFNKZMRTNAN dm`en` wsnrnt wmrtczcknt tmlnf am`ondc ntnw `nan ZMABMLC ntn} DMBCT]Rdn` dcwmrnfkn` kmzndn ZCFNK KMD]N wmrtn bn`e}`n` tmlnf dnlna kh`dcwc wcnz f}`cam`}r}t zm`clncn` BN@K.Bclnan`n wmrtczcknt bml}a am`ondc ntnw `nan ZMABMLC ntn} DMBCT]R dn` wmrtczckntbml}a dctmrcan ZCFNK KMD]N ankn ntnw dn`n dnrc ZMABMLC ntn} DMBCT]R tmrwmb}tdcwcazn` dnlna bm`t}k
Dmzhwcth Bmron`ekn ntnw `nan ZCFNK ZMRTNAN
dnlna o}alnf wmbmwnr >:- &wmz}l}f zrhwm`# dnrc zlnih`d inwclctnw krmdct dn` wmln`o}t`sndclnk}kn` zmablhkcrn` rmkm`c`e }`t}k am`onac` wmlmwnc`sn zmamgnfn` wmrtczckntam`ondc ntnw `nan ZMABMLC ntn} DMBCT]R wmrtn tmlnf dclnk}kn``sn zm`n`dntn`en`n`Nktn O}nl Bmlc an}z}` NZFT.
]`t}k fnren r}anf(r}kh dc ntnw ntn} wnan dm`en` Rz. >::.:::.:::,! &wmrnt}w o}tnr}zcnf# sn`e wmdn`e dnlna zrhwmw zmabn`e}`n` ankn kmwml}r}fn` dn`nZMABMLC ntn} DMBCT]R tmrwmb}t dcwcazn` dnlna rmkm`c`e ntnw `nan ZCFNKZMRTNAN dn` dcblhkcr dn`
ZCFNK ZMRTNAN am`smt}o}c ntnw dn`n sn`e dcwmthr hlmfZmabmlc ntn} Dmbct}r amlnl}c ZCFNK KMD]N kmzndn ZCFNK ZMRTNAN }`t}k dctnfn`
 
dnlna bm`t}k blhkcr ntnw
rmkm`c`eXXXXXXXXXXXXXXXXXXX(dmzhwcth
`hahrXXXXXXXXXXXXXXXXXXXXXXXXXX, `hahrXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX,`hahrXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX ntnw `nan ZCFNK ZMRTNAN sn`e ndnzndn ZCFNK KMD]N }`t}k am`onac` zmam`}fn` kmunocbn` ZCFNK ZMRTNAN dm`en`kmtm`t}n`?.
Wmbmwnr 5:- &t}o}f z}l}f zrhwm`# dnrc zhkhk f}tn`e nkn` dcgncrkn` hlmfZCFNK KMD]Nbclnan`n tmlnf dclnk}kn` zm`n`dntn`en`n` Nktn O}nl Bmlc, NktnZm`enk}n` F}tn`e ntn} Nktn Zmron`ocn` Krmdct, W}rnt K}nwn Amabmbn`kn` FnkTn`ee}`en` &WKAFT# ntn} Nktn Zmabmrcn` Fnk Tn`ee}`en` n`tnrn zmabmlctn`nf dn`(ntn} bn`e}`n` dm`en` ZCFNK KMD]N,
Wmbmwnr 2:- &d}n z}l}f zrhwm`# dnrc zhkhk f}tn`e nkn` dcgncrkn` hlmfZCFNK KMD]N bclnan`n kh`dcwc bn`e}`n` tmlnf dnlna kh`dcwc ntnz tmrznwn`e
Wmbmwnr >:- &wmz}l}f zrhwm`# dnrc zhkhk f}tn`e nkn` dcgncrkn` hlmfZCFNK KMD]N bclnan`n bn`e}`n` tmlnf wcnz f}`c, Wmrtczcknt ntnw `nanZmabmlc ntn} Dmbct}r dn`Bl}m zrc`t, Coc` Am`dcrckn` Bn`e}`n` &CAB# nwlc tmlnfdcwmrnfkn` kmzndn ZCFNK KMD]N wmrtn tmlnf dclnk}kn` zm`n`dntn`en`n` NktnZmabmrcn` Fnk Tn`ee}`en`.
 ZNWNL 4FNK DN@ KMUNOCBN@ ZCFNK ZMRTNAN
4.>.Wmtcnz rmnlcwnwc KZR ankn ZCFNK ZMRTNAN bmrkmunocbn` }`t}k am`smrnfkn` kmzndnZCFNK KMD]N?>.W}rnt zmr`sntnn` zm`e}r}wn` zmacwnfn` dn` bnlck `nan ntnw tn`nf dn` bn`e}`n` ntnw`nan ZMABMLC ntn} DMBCT]R sn`e dckml}nrkn` hlmf ZCFNK ZMRTNAN.2.Kmwma}n`sn fnr}w dcwmrnfkn` kmzndn ZCFNK KMD]N zndn wnnt dctn`dntn`en`c`snzmron`ocn` krmdct ntn} zm`enk}n` f}tn`e n`tnrn ZCFNK KMD]N dm`en` ZMABMLC ntn}DMBCT]R.7.Bmrctn Ngnrn Wmrnf Tmrcan R}anf dn`(ntn} r}kh sn`e dctn`dntn`en`c ZMABMLC ntn}DMBCT]R dn`(ntn} w}rnt zmabmrctnf}n` ntnw wmrnf tmrcan r}anf(r}kh kmwma}n`snfn`sn dclnk}kn` bclnan`n r}anf dn`(ntn} r}kh dnlna kmndnn` wcnz f}`c.4.2. ZCFNK ZMRTNAN dm`en` c`c am`onac` wmzm`}f`sn dn` am`sntnkn` kmzndn ZCFNKKMD]N? 
>.}`t}k am`smrnfkn` kmzndn ZCFNK KMD]N ntnw Coc` Am`dcrckn` Bn`e}`n` &CAB#wmlnabnt!lnabnt`sn >2 &d}n bmlnw# b}ln` wmonk zm`n`dntn`en`n` zmron`ocn` krmdctntn} zm`enk}n` f}tn`e.2.]`t}k am`e}r}w zmacwnfn` dn` am`smlmwnckn` bnlck `nan ntnw tn`nf dn`bn`e}`n` wmlnabnt!lnabnt`sn >6 &dmlnzn` bmlnw# b}ln` wmonk dctn`dntn`en`c`snNktn O}nl Bmlc dn` Nktn Zm`enk}n` F}tn`e ntn} zmron`ocn` krmdct dcn`tnrn ZMABMLCdn` ZCFNK KMD]N wmrtn am`smrnfkn` wmrtczcknt ntnw `nan ZMABMLC ntn}DMBCT]R tmrwmb}t kmzndn ZCFNK KMD]N.7.]`t}k am`smlmwnckn` zmabn`e}`n` r}anf ntn} r}kh ankwcanl >6 &dmlnzn` bmlnw#b}ln` wmtmlnf rmnlcwnwc KZR.
4.Tn`nf bmrck}t bn`e}`n` r}anf ntn} tn`nf bmrck}t bn`e}`n` r}kh sn`e dco}nl kmzndnZMABMLC ntn} DMBCT]R ndnlnf bm`nr fnk zm`}f ZCFNK ZMRTNAN wm`dcrc tcdnk ndnzcfnk lnc` sn`e t}r}t amaclckc ntn} amaz}`snc fnk nznz}` o}en, bml}a zmr`nf dco}nl,dczc`dnftn`en`kn`, dcwmunkn`(dchzmrkn` fnk`sn ntn} dconac`kn` fnk`sn dm`en` gnrnbnencan`n z}` o}en kmzndn zcfnk lnc` tn`zn zmrwmt}o}n` tmrt}lcw ZCFNK KMD]N, tcdnktmrwn`ek}t dnlna w}nt} zmrknrn (wm`ekmtn dn` o}en tcdnk dckm`nc wctnn`.=.Bnfun wmlnan wmrtczcknt c`d}k ntnw `nan ZCFNK ZMRTNAN bml}a dclnk}kn` zmacwnfn`dn` wmrtczcknt fnwcl zmacwnfn` bml}a tmrbct ntnw `nan ZMABMLC ntn} DMBCT]R wmfc`eenanwn bmrlnk} WKAFT tmrwmb}t dc ntnw nkn` am`ondc lmunt unkt} ntn} e}e}r, ZCFNKZMRTNAN dm`en` c`c tcdnk dnznt dctnrck kmabnlc dn` tn`zn wsnrnt, am`sntnkn` bmrwmdcn}`t}k am`efndcrkn` kmabnlc ZMABMLC ntn} DMBCT]R }`t}k am`n`dntn`en`c WKAFT dcfndnzn` @htnrcw(ZZNT sn`e dclnk}kn` znlc`e lnabnt zndn tn`eenl ont}f tmazh WKAFTdn` am`n`ee}`e wmenln bcnsn!bcnsn sn`e tcab}l wmbnenc nkcbnt dclnkwn`nkn``snzm`n`dntn`en`n` WKAFT tmrwmb}t.9.Bnfun }`t}k lmbcf am`onac` zmam`}fn` kmunocbn` ZCFNK ZMRTNAN dnlna zmron`ocn`c`c ankn ZCFNK ZMRTNAN dm`en` c`c amabmrckn` zmrwmt}o}n` dn` k}nwn kmzndnZCFNK KMD]N dnlna zmron`ocn` c`c }`t}k dn` ntnw `nan ZCFNK ZMRTNAN }`t}kam`dmbmt tmrlmbcf dnf}l} wmenln rmkm`c`e aclck ZCFNK ZMRTNAN dnlna bm`t}knznz}` wmrtn dnlna antn }n`e r}zcnf dn`(ntn} antn }n`e lnc` sn`e ndn zndn ZCFNKKMD]N.

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