T The purpose of writing this field work practice report is to find out how of financing KPR take over in Banking of Tabungan Negara Branch Office Sharia Jakarta Harmoni and alsoto know what is the impact of handling financing KPR take on its development. The results of the writing and discussion on this field work practice report show that the handling of financing KPR take over do it starting from the debitor analysis, analysis of financing and guarantees, implemtation of the contract until the disbursement of funds and receipt of the main documents in accordance with the process stages set by the BTN Sharia Division and the contract used in accordance with sharia, namely Qardh and Murabahah, the constraints in handling financing KPR take over have an impact on the instability of the development of take over at the BTN Sharia Jakarta Harmoni.