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Abstract
The need for housing has now become mandatory. The credit scheme will make it easier for everyone to own a house by guaranteeing the legality of land rights burdened with mortgage rights. However, not everyone who has applied for credit always complies with the terms agreed in the Credit Agreement. One example is a debtor who breaks his promise or defaults by not paying installments so that the bank, as a creditor, confiscates the object of collateral. To pay the debtor’s remaining debt until repayment, the bank sells the collateral object belonging to the debtor by auction. The bank carries out this auction based on the executorial power attached to the Mortgage Rights Certificate so that the bank does not need to submit a request or lawsuit to the court because the executorial power of the Mortgage Rights Certificate is the same as a court decision with permanent legal force.
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References
- Agustina, S., & Tarsono, Ono. (2018). Consumer Credit Restructuring Policy To Improve The Quality Of Home Ownership Credit (Case Study at PT. Bank Tabungan Negara (Persero) Tbk Kelapa Gading Square Branch Office. http://repository.stei.ac.id/3307/1/Jurnal Silvia Agustina % 2811167000513%29 Indonesia.pdf
- Article 1 number (1) of Law No. 4 of 1996 concerning Mortgage Rights on Land and Objects Related to Land.
- Article 1 number 11 of Law Number 10 of 1998 concerning Amendments to Law Number 7 of 1992 concerning Banking.
- Article 11 paragraph (1) of Law Number 4 of 1996 concerning Mortgage Rights on Land and Objects Related to Land.
- Article 11 paragraph (2) of Law Number 4 of 1996 concerning Mortgage Rights on Land and Objects Related to Land.
- Article 13, paragraph (1) and (2) of Law Number 4 of 1996 concerning Mortgage Rights on Land and Objects Related to Land.
- Article 1313 of the Civil Code.
- Article 1320 of the Civil Code.
- Article 14 paragraph (1) of Law Number 4 of 1996 concerning Mortgage Rights on Land and Objects Related to Land.
- Auction Requirements Document, Minister of Finance Regulation Number 122 of 2023 concerning Auction Implementation Guidelines.
- Bambang Sunggono, Legal Research Methodology, Raja Grafindo Persada: Jakarta, 2009, p. 41.
- Boedi Harsono, Indonesian Agrarian Law History of the Formation of the Basic Agrarian Law, Contents and Implementation, Djambatan: Jakarta, 2008, p. 160.
- Dimas Aditya Saputra, Scope of Auctions and Problems in Law Enforcement, 2022, https://www.djkn.kemenkeu.go.id/artikel/baca/14920/Ruang-Lingkup-Lelang-Dan-Permasalahan-Dalam-Penegakan-Hukum.html accessed on November 25, 2024 at 14.00 WIB.
- Eryani Kurnia Puspitasari, SH, Executorial Power of Mortgage Certificate, https://pn-sumedang.go.id/file_lama/Paper%203%20Kekuatan%20eksekutorial%20putusan%20HT%20Eryani.pdf accessed on November 26, 2024 at 08.35 WIB.
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- Home Ownership Credit, https://sikapiuangmu.ojk.go.id. Accessed on November 25, 2024, at 11:17 WIB.
- Kadarisman, M., Gunawan, A., & Ismiyati, I. (2015). Implementing Land Transportation System Policy and Its Impact on Social Welfare in Jakarta. Journal of Transportation & Logistics Management (JMTRANSLOG), 2(1), 59. https://doi.org/10.54324/j.mtl.v2i1.129
- Pratama, R. E. (2022). International Journal of Law and Legal Ethics (Elle). International Journal of Law And Legal Ethics (IJLLE), 3(2).
- Technical Guidelines for Administration and Technical Courts for General and Special Civil Cases, Book II, 2007 Edition, Supreme Court of the Republic of Indonesia, Jakarta, 2008, p. 91.
- What is KPR? Here is a Complete Guide to Home Ownership Credit, https://aesia.kemenkeu.go.id/berita-properti/properti/apa-itu-kpr-berikut-adalah-panduan-lengkap-kredit-pemilikan-rumah-157.html accessed on November 25, 2024, at 13:40 WIB.
References
Agustina, S., & Tarsono, Ono. (2018). Consumer Credit Restructuring Policy To Improve The Quality Of Home Ownership Credit (Case Study at PT. Bank Tabungan Negara (Persero) Tbk Kelapa Gading Square Branch Office. http://repository.stei.ac.id/3307/1/Jurnal Silvia Agustina % 2811167000513%29 Indonesia.pdf
Article 1 number (1) of Law No. 4 of 1996 concerning Mortgage Rights on Land and Objects Related to Land.
Article 1 number 11 of Law Number 10 of 1998 concerning Amendments to Law Number 7 of 1992 concerning Banking.
Article 11 paragraph (1) of Law Number 4 of 1996 concerning Mortgage Rights on Land and Objects Related to Land.
Article 11 paragraph (2) of Law Number 4 of 1996 concerning Mortgage Rights on Land and Objects Related to Land.
Article 13, paragraph (1) and (2) of Law Number 4 of 1996 concerning Mortgage Rights on Land and Objects Related to Land.
Article 1313 of the Civil Code.
Article 1320 of the Civil Code.
Article 14 paragraph (1) of Law Number 4 of 1996 concerning Mortgage Rights on Land and Objects Related to Land.
Auction Requirements Document, Minister of Finance Regulation Number 122 of 2023 concerning Auction Implementation Guidelines.
Bambang Sunggono, Legal Research Methodology, Raja Grafindo Persada: Jakarta, 2009, p. 41.
Boedi Harsono, Indonesian Agrarian Law History of the Formation of the Basic Agrarian Law, Contents and Implementation, Djambatan: Jakarta, 2008, p. 160.
Dimas Aditya Saputra, Scope of Auctions and Problems in Law Enforcement, 2022, https://www.djkn.kemenkeu.go.id/artikel/baca/14920/Ruang-Lingkup-Lelang-Dan-Permasalahan-Dalam-Penegakan-Hukum.html accessed on November 25, 2024 at 14.00 WIB.
Eryani Kurnia Puspitasari, SH, Executorial Power of Mortgage Certificate, https://pn-sumedang.go.id/file_lama/Paper%203%20Kekuatan%20eksekutorial%20putusan%20HT%20Eryani.pdf accessed on November 26, 2024 at 08.35 WIB.
General Explanation of Law No. 4 of 1996 concerning Mortgage Rights on Land and Objects Related to Land.
Herowati Poesoko, Parate Executive Object of Mortgage Rights (Inconsistency, Conflict of Norms, and Fallacies of Reasoning in the Mortgage Rights Law), Laksbang Pressindo, Yogyakarta, 2007, p. 313.
Home Ownership Credit, https://sikapiuangmu.ojk.go.id. Accessed on November 25, 2024, at 11:17 WIB.
Kadarisman, M., Gunawan, A., & Ismiyati, I. (2015). Implementing Land Transportation System Policy and Its Impact on Social Welfare in Jakarta. Journal of Transportation & Logistics Management (JMTRANSLOG), 2(1), 59. https://doi.org/10.54324/j.mtl.v2i1.129
Pratama, R. E. (2022). International Journal of Law and Legal Ethics (Elle). International Journal of Law And Legal Ethics (IJLLE), 3(2).
Technical Guidelines for Administration and Technical Courts for General and Special Civil Cases, Book II, 2007 Edition, Supreme Court of the Republic of Indonesia, Jakarta, 2008, p. 91.
What is KPR? Here is a Complete Guide to Home Ownership Credit, https://aesia.kemenkeu.go.id/berita-properti/properti/apa-itu-kpr-berikut-adalah-panduan-lengkap-kredit-pemilikan-rumah-157.html accessed on November 25, 2024, at 13:40 WIB.