This study aims to determine the role of appraisal in the settlement of bad debts in the loan agreement with collateral Mortgage productive. Research type used is a normative legal research and descriptive. The research approach used in this study is a qualitative approach. The data used in this research is secondary data obtained from the information or knowledge-acquired knowledge is lacking indirectly, include among other official documents, books, research results are tangible report. Secondary data were obtained from the study of legislation, journals, books or anything else related to credit and appraisal. Based on the results of this study concluded that first, the role of appraisal in performing their duties is a provider of assessment services in accordance with the competencies mandated in the legislation that Peraturan Menteri Keuangan No. 101 / PMK.01 / 2014 tentang Penilai Publik.