The purpose of writing this article is to examine how the arrangement of home ownership loans (KPR) carried out by married couples after the enactment of the postnuptial marriage agreement and how the liability for debtors of married couples who enter into a postnuptial marriage agreement is accountable to home ownership loans (KPR) in Indonesia. The legal research method applied is normative legal studies whose scope is the laws and regulations regarding marriage and credit agreements. In this study, a conceptual approach and laws and regulations were used. The results of the analysis of this study are the arrangement of home ownership loans (KPR) carried out by married couples after the enactment of the postnuptial agreement subject to agreement law and marriage law. Liability in home ownership loans (KPR) carried out by married couples, the debtor's liability depends on the time of the credit agreement, if the home ownership loan is submitted and agreed before the postnuptial agreement, then the debt is still a joint debt whose repayment must be paid jointly unless there is a new agreement with the bank.