Tinjauan yuridis atas peran notaris dalam pembuatan akta kredit kepemilikan rumah dengan jaminan rumah hasil lelang

Sari, Dewi Wulan (2019) Tinjauan yuridis atas peran notaris dalam pembuatan akta kredit kepemilikan rumah dengan jaminan rumah hasil lelang. Masters thesis, Universitas Pelita Harapan.

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Abstract

Kredit Pemilikan Rmah (KPR) is a housing loan that become a solution now for the community to get a home, so almost all banks currently have mortgage products as their flagship product because of the potential market. The banking industry in Indonesia is one of the drivers of the growth of housing oans. The lending process from banks certainly has regulations that have been set by the government through institutions that are currently tasked with regulating and supervising banks in Indonesia by Financial Services Authority, namely the Otoritas Jasa Keuangan (OJK). The KPR process with home collateral is the result of the auction, where the guarantee originates from bad loans auctioned by the bank through the auction hall until there is an auction winner, in contrast to the KPR whose house is obtained by ordinary buying and selling. In providing credit, the Bank has risks, so banks must be able to analyze the feasibility of lending to minimize the risks inherent in each loan. Classically the bank uses the 5 Cs approach to assess credit worthiness. After the customer is declared eligible for credit, the bank and the customer make an agreement in the Credit Agreement followed by the signing of the deed of giving rights, namely Akta Pengikatan Hak Tanggungan (APHT) by the land deed maker officer, namely Pejabat Pembuat Akta Tanah (PPAT) which contains all the conditions and conditions that exist. Almost all banks make notary credit agreement for a certain amount of ceiling. So the role of the notary and PPAT is very helpful for the bank and customers. The role of the notary in making mortgage certificates guaranteed by auction houses which is the execution of other bank mortgage rights is very important, because this involves more parties and more documents in the transfer of rights, so the notary's responsibility to the parties, especially to the bank becomes greater. In the process there is a greater risk. The notary must see the interests of the parties independently. In this study, researchers use the normative juridical research methodology, where the data collection was carried out using a statutory approach and also a case approach, namely by directly interviewing notaries and bank employees who handle mortgages with guarantees of auctioned houses. / Kredit Pemilikan Rumah (KPR) bank umum saat ini menjadi solusi bagi masyarakat untuk mendapatkan rumah, sehingga hampir semua bank saat ini memiliki produk KPR sebagai produk andalannya karena market yang potensial. Industri perbankan di Indonesia salah satu pendorongnya adalah dari pertumbuhan Kredit Pemilikan Rumah (KPR). Proses pemberian kredit dari bank tentu memiliki peraturan yang sudah ditetapkan pemerintah melalui lembaga yang saat ini bertugas melakukan pengaturan dan pengawasan terhadap perbankan di Indonesia yaitu Otoritas Jasa Keuangan (OJK). Proses KPR dengan jaminan rumah hasil lelang, dimana jaminan tersebut berasal dari kredit macet yang dilelang bank melalui balai lelang sampai dengan ada pemenang lelang, berbeda dengan KPR yang rumahnya didapatkan dengan jual beli biasa. Dalam memberikan kredit Bank memiliki risiko, sehingga bank harus mampu menganalisis kelayakan pemberian kredit untuk dapat meminimalkan risiko yang melekat pada setiap pemberian kredit. Secara klasik bank menggunakan pendekatan 5 C’s untuk menilai kelayakan kredit. Setelah nasabah dinyatakan layak mendapat kredit, bank dan nasabah membuat kesepakatan dalam Perjanjian Kredit (PK) diikuti dengan penandatanganan Akta Pemberian Hak Tanggungan (APHT) oleh Pejabat Pembuat Akta Tanah (PPAT) yang memuat semua kondisi dan persyaratan yang ada. Hampir semua bank membuat PK notaril untuk jumlah plafond tertentu. Sehingga peran notaris dan PPAT sangat membantu pihak bank maupun nasabah. Peran notaris dalam membuat akta KPR dengan jaminan rumah lelang yang merupakan eksekusi Hak Tanggungan bank lain sangat penting, dikarenakan hal ini melibatkan lebih banyak pihak dan lebih banyak dokumen dalam peralihan haknya, sehingga tanggung jawab notaris kepada para pihak, terutama terhadap bank menjadi lebih besar. Dalam prosesnya terdapat risiko yang lebih besar. Notaris harus melihat kepentingan para pihak secara independen. Dalam penelitian ini, peneliti menggunakan metodologi penelitian yuridis normatif, dimana pengumpulan data dilakukan dengan menggunakan pendekatan perundang-undangan dan juga pendekatan kasus, yaitu dengan mewawancarai langsung notaris dan karyawan bank yang menangani KPR dengan jaminan rumah hasil lelang.

Item Type: Thesis (Masters)
Creators:
CreatorsNIMEmail
Sari, Dewi WulanUNSPECIFIEDUNSPECIFIED
Contributors:
ContributionContributorsNIDN/NIDKEmail
Thesis advisorSihombing, JonkerUNSPECIFIEDUNSPECIFIED
Uncontrolled Keywords: Housing Loan ; Guarantee ; Auction Results House
Subjects: K Law > K Law (General)
Divisions: University Subject > Current > Faculty/School - UPH Karawaci > Faculty of Law > Master of Notary
Current > Faculty/School - UPH Karawaci > Faculty of Law > Master of Notary
Depositing User: Users 15 not found.
Date Deposited: 05 Nov 2019 09:55
Last Modified: 05 Nov 2019 09:55
URI: http://repository.uph.edu/id/eprint/4880

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