House ownership credit financing in Permata Sharia Bank for business unit targets and achievements up to August 2018 there is a high enough gap from the target. In addition the ranking of Permata Sharia Bank which is still far below shows that the contribution of mortgage financing has not been high. This is caused by many factors including the financing process and product quality that still needs to be improved so that it affects on purchase decisions and also the repurchase of Permata Sharia Bank mortgage financing. This study aims to determine the effect of process and product quality on purchase decisions and repurchase. The design of this study is explanatory. The sampling technique in this study is Permata Sharia Bank customers in South Tangerang Region and filled out the questionnaire using the accidental sampling method but still fulfilled the specified criteria. The sampling technique is purposive sampling with a total population of 150 Permata Bank customers in the South Tangerang Region. By using the Slovin formula, a sample of 100 customers is obtained, the defined margin of error is 10% or 0.10. This study used quantitative analysis method with SEM analysis tools and Smart PLS and SPSS tools.