Seiring dengan pesatnya perkembangan kredit perbankan dan persaingan antar bank yang semakin ketat, dalam praktek pemberian kredit tidak sedikit bank yang mengambilalih fasilitas kredit calon debitur dari bank lain. Pengambilalihan kredit ini biasa disebut take over kredit, dan dengan menambah jumlah plafond lebih besar dari yang diberikan dari bank sebelumnya sebagai nilai lebih yang diberikan. Namun proses pengambilalihan kredit ini mengandung resiko karena saat pencairan kredit dilakukan, jaminan masih menjadi kekuasaan bank lain, sehingga bank harus memiliki prosedur yang pruden bagi bank sebagai pemberi kredit. Dalam hal pengambilalihan kredit diperlukan tahapan penting yang harus dilalui antara lain; 1).Pembuatan surat pengambilalihan kredit sebagai konfirmasi kepastian jaminan dan outstanding fasilitas di bank asal, sekaligus konfirmasi jawaban dari bank asal atas outstanding dan penyerahan jaminan di hari yang sama dana dicairkan dan ditransfer ke bank asal. 2).Setelah fasilitas dicairkan dan dana ditrasnfer ke bank asal maka pihak bank harus memastikan telah dilakukan pelunasan serta dapat dilakukan pengambilan jaminan di hari yang sama, dan dilampiri surat lunas serta surat roya hak tanggungan sebagai dasar pelepasan hak tanggungan bank asal, untuk kemudian didaftarkan hak tanggungan bagi bank pemberi kredit yang baru / Along with the rapid development of bank credit and increasingly intense competition between banks, in the practice of lending business there are not a few banks that take over the credit facilities of potential debtors from other banks. Credit takeover is usually called take over credit, and by giving credit limit greater than that given from the previous bank as added value. However, this take over process carries risks because when facility credit has disbursements, collateral is still pledge by other banks, so banks must have prudent procedures for banks to have take over credit as banks product. In taking over, important steps are needed, among others; 1).Making a take over letter as a confirmation of the guarantee and outstanding facility at the origin bank, as well as an answer confirmation from the bank of origin or outstanding and delivery of the guarantee on the same day the funds are disbursed and transferred to the original bank. 2).After the facility is disbursed and funds are transferred to the original bank, the bank must ensure payment has been made and collateral can be taken on the same day, accompanied by a full letter as well as e letter of liability as the basis for releasing the original bank’s liability, then the bank granting rights is registered new credit