Perlindungan hukum bagi bank terhadap pembatalan sertipikat hak milik yang digunakan sebagai jaminan utang

Luthfiyah, Nadia (2023) Perlindungan hukum bagi bank terhadap pembatalan sertipikat hak milik yang digunakan sebagai jaminan utang. Masters thesis, Universitas Pelita Harapan.

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Abstract

Sektor Perbankan merupakan salah satu sektor yang mampu berkembang dengan pesat dalam menunjang perkonomian nasional. Bank ialah Lembaga yang menghimpun dana dari masyarakat dalam bentuk simpanan dan menyalurkannya dalam bentuk kredit. Pada prakteknya, Bank harus menerapkan prinsip kehati-hatian dalam memberikan fasilitas kredit, salah satunya adalah dengan adanya agunan sebagai suatu jaminan pelunasan hutang apabila debitur wanprestasi. Salah satu bentuk agunan itu adalah dengan Hak Tanggungan. Permasalahan muncul ketika objek dari Hak Tanggungan tersebut kemudian menjadi sengketa di Pengadilan sampai akhirnya objek Hak Tanggungan yaitu Sertipikat Hak Milik dibatalkan oleh Pengadilan. Penelitian ini bertujuan untuk mengetahui dan menganalisa Akibat hukum pembatalan sertipikat hak milik yang dijadikan jaminan hutang dan Perlindungan hukum terhadap Bank akibat dibatalkannya sertipikat Hak Milik yang dijadikan sebagai jaminan hutang. Metode yang digunakan adalah pendekatan Normatif Empiris. Akibat hukum dari di batalkannya sertipikat hak milik yang digunakan sebagai jaminan hutang adalah Perjanjian kredit tidak batal Namun, Perjanjian jaminan hak tanggungan tidak lagi memiliki kekuatan hukum yang mengikat karena, Bank kehilangan jaminan untuk pelunasan hutang milik debitur. Bank selaku kreditur masih memiliki hak untuk menuntut pelunasan hutang-hutangnya kepada debitur dengan sarana perlindungan secara refresif yaitu melalui mediasi atau dengan melakukan gugatan sita jaminan terhadap harta milik debitur convesatoir beslag. / The banking sector is a sector that is capable of growing rapidly in supporting the national economy. Bank is an institution that collects funds from the public in the form of savings and distributes them in the form of credit. In practice, banks must apply the precautionary principle in providing credit facilities, one of which is the existence of collateral as a guarantee for repayment of debt if the debtor defaults. One form of collateral is the Mortgage Right. Problems arose when the object of the Mortgage then became a dispute in the Court until finally the object of the Mortgage, namely the Property Right Certificate, was canceled by the Court. This study aims to find out and analyze the legal consequences of cancellation of property rights certificates used as collateral for debt and legal protection for banks due to cancellation of property rights certificates used as debt guarantees. The method used is an empirical juridical approach. The legal consequence of canceling the certificate of ownership used as collateral for the debt is that the credit agreement is not cancelled. However, the guarantee agreement for mortgage rights no longer has binding legal force because the bank loses the guarantee for repayment of the debt belonging to the debtor. The bank as the creditor still has the right to demand repayment of its debts to the debtor by means of defensive protection, namely through mediation or by carrying out a lawsuit for confiscation of collateral against the debtor's assets belonging to the beslag convesatoir.

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