The construction of housing and settlement is an attempt to fulfill one of the basic human needs, and to improve the environmental quality of life, giving direction on regional growth, expand employment and drive economic activity in order to improve people's welfare and equity. Accordingly the bank shall perform its functions by providing services to debtors who want to own a home dreams into an agreement with mortgage. By Housing Loan Agreement , the customer makes an agreement with the bank, because the bank is a provider of such services, and in doing mortgage agreement, there must be some terms and conditions that must be met by the customer, and service providers usually give agreement which contains a standard clause. The contract is a standard form contract that has been duplicated in the form of a written form - the form that it has been standardized or codified in advance unilaterally by businesses, and is offered in bulk, without considering the differences in the condition that consumers. Law No. 8 of 1999 on Consumer Protection regulates how consumer protection in the mortgage and set up as well as the circumstances of the developer to compensate businesses as a form of responsibility for damages that have been caused. consumers are also given a variety of alternative dispute resolution that can be done through the courts or out of court Reference: 25(1982-2012)