H Having such a private residence is a primary need for every individual whose existence is guaranteed in Article 28H number 1 of the UUD 1945 (Constitution). However, the sky-rocketed price of properties and low community incomes have forced the government to provide subsidized mortgages for low-income people. This credit is channeled through banks, one of which is Bank Tabungan Negara (Persero) Tbk, which has a branch in Tangerang City. In practice, many debtors are unable to fulfill their obligations in the subsidized mortgage agreement. Then the debtor transfers the subsidized mortgage to another party before the specified time period without the creditor\\\'s knowledge. The formulation of the problem raised is whether the subsidized mortgage transfer agreement between the old debtor and the new debtor without the creditor\\\'s knowledge is in accordance with the subsidized mortgage agreement, and how to resolve the defaulted credit in the subsidized mortgage agreement whose credit has been transferred by the debtor without the creditor\\\'s knowledge. This study uses a normative method and is descriptive in nature. The data source used is secondary data obtained from literature studies and supported by primary data. In analyzing the data, a qualitative approach was used, with deductive logic used to draw conclusions. The results of the study showed that the transfer of Subsidized KPR by old debtors before the due date without the creditor\\\'s knowledge violates Article 13 number 5 letter d of the Subsidized KPR Agreement and is prohibited, so the debtor is considered in default according to Article 14 number 1 letter b of the Subsidized KPR Agreement. Then the credit is considered a bad credit, and the bank can auction the house in accordance with PMK No. 213/PMK.06/2020 concerning Auction Implementation Guidelines.