Is It Necessary to Include Promise in a Deed of Granting of Mortgage Rights?

Mada Apriandi Zuhir; Annalisa Yahanan; Murzal Murzal

doi:10.30641/dejure.2024.V24.019-030

Is It Necessary to Include Promise in a Deed of Granting of Mortgage Rights?

Mada Apriandi Zuhir, Annalisa Yahanan, Murzal Murzal

Abstract

To secure the funds that have been granted to the debtor, in loan agreement between creditor and debtor, a guarantee agreement is usually included. One form of collaterals that is most in demand is land collateral. This research aims to analyze funds security that has been handed over to debtors in connection with loan agreement and promises (clauses) inclusion in a Deed of Granting of Mortgage Rights. This normative research uses statutory, conceptual and interpretive approaches. This study examines several deeds to search and analyze the promises (clauses) in the guarantee agreement. The result shows that the loan agreement includes a promise to provide collateral that will be attached with mortgage rights, to secure the credit that has been given to the debtor as security for repayment of credit loan. Therefore, the loan agreement contains rights and obligations of parties as a form of prudential principles. Furthermore, a Deed of granting of mortgage rights considerably needs to include promises (clauses) as a manifestation of conditions related to the guarantee provided. In its regulation (Mortgage Rights Law), these promises are optional (not mandatory) being included in a Deed of granting of mortgage rights. However, in practice these promises are always included in a deed at the creditor’s request, with the aim being a kind of self-protection to creditor. However, Mortgage Rights Law also provides a balance of protection to debtors, namely promises that are prohibited from being included that creditors can immediately own the object of mortgage rights when the debtor defaults. If such promise is included, then the Deed of Granting of Mortgage Rights is null and void.

Keywords

Loan agreement; Deed of Granting of Mortgage Rights; Promises

Full Text:

PDF

References

Ambarsita, Luluk. “Analisis Penanganan Kredit Macet.” Journal Economic, Bussines Dan Accounting 3, no. 11 (2013): 14–20.

Ariz Purnomo, Muh Akbar. “Perlindungan Hukum Bagi Pemberi Hak Tanggungan Yang Bukan Debitur Dalam Perjanjian Kredit.” Unnes Law Journal 3, no. 1 (2014): 62–68.

Badriyah Harun. Penyelesaian Sengketa Kredit Bermasalah. Jakarta: Pustaka, 2010.

Badriyah, Siti Malikhatun. “Problematika Pesawat Udara Sebagai Jaminan Pada Perjanjian Kredit Dalam Pengembangan Industri Penerbangan.” Problematika Pesawat Udara Sebagai Jaminan Pada Perjanjian Kredit Dalam Pengembangan Industri Penerbangan 43, no. 4 (2014): 546–52. https://doi.org/10.14710/ mmh.43.4.2014.546-552.

Catur, Bambang. “Pengamanan Pemberian Kredit Bank Dengan Jaminan Hak Guna Bangunan.” Jurnal Cita Hukum II, no. 9 (2019): 1689–99.

Hidayat, Iman. “Peranan Notaris Dalam Membuat Perjanjian Kredit Tanpa Diikuti Dengan Akta Pemberian Hak Tanggungan (APHT) Menurut Undang-Undang Nomor 4 Tahun 1996 Tentang Hak Tanggungan.” Legalitas: Jurnal Hukum 11, no. 2 (2019): 180. https://doi.org/10.33087/legalitas.v11i2.175.

Hutagalung, Arie. “Praktek Pembebanan Dan Pelaksanaan Eksekusi Hak Tanggungan Di Indonesia.” Jurnal Hukum & Pembangunan 38, no. 2 (2008): 148. https://doi.org/10.21143/jhp.vol38.no2.171.

Irwansyah. Penelitian Hukum Pilihan Metode & Praktik Penulisan Artikel. Edited by 4. Yogyakarta: Mirra Buana Media, 2021.

Isnaeni, Moch. Pengantar Hukum Jaminan Kebendaan. Surabaya: PT. Revka Pertra Media, 2016.

J. Satrio. Hukum Jaminan, Hak Jaminan Kebendaan, Hak Tanggungan Buku II. Bandung: PT. Citra Aditya Bakti, 2004.

Kadir, Rahmia, Farida Patittingi, Nurfaidah Said, and Muhammad Ilham Arisaputra. “Pertanggungjawaban Notaris Pada Penerbitan Covernote.” Mimbar Hukum - Fakultas Hukum Universitas Gadjah Mada 31, no. 2 (2019): 191. https://doi.org/10.22146/jmh.35274.

Kinaria Afriani. “Kekuatan Hukum Klausula Asuransi Dalam Akta Pemberian Hak Tanggungan.” Varia Hukum

, no. 40 (2019): 1936–47.

M. Bahsan. Hukum Jaminan Dan Jaminan Kredit Perbankan Indonesia. Jakarta: PT. Raja Grafindo Persada, 2007.

Munir Fuady. Hukum Perkreditan Kontemporer. Bandung: PT. Citra Aditya Bakti, 2003.

Nur Aksin. “Perbandingan Sistem Bagi Hasil Dan Bunga Di Bank Muamalat Indonesia Dan CIMB Niaga.” JEJAK Journal of Economics and Policy 6, no. 2 (2013): 112–24. https://doi.org/10.15294/jejak.v7i1.3596.

Paramita, Putri. “Eksistensi Dan Kekuatan Eksekutorial Sertipikat Hak Tanggungan Terhadap Hak Milik Atas Satuan Rumah Susun Sebagai Jaminan Hutang Dalam Perjanjian Kredit Di Bank.” Jurnal Repertorium 2, no. 2 (2015): 2355–2646.

Pertiwi, D. “Perlindungan Hukum Pemegang Hak Tanggungan Yang Obyeknya Dikuasai Pihak Ketiga Berdasarkan Perjanjian Sewa Menyewa.” Calyptra : Jurnal Ilmiah Mahasiswa Universitas Surabaya 2, no. 2 (2013): 1–16. https://journal.ubaya.ac.id/index.php/jimus/article/view/729.

Putra, Bayu Setiawan Hendri, and Arief Suryono. “Kedudukan Sertifikat Hak Atas Tanah Sebagai Jaminan Kebendaan Berdasarkan Undang-Undang Hak Tanggungan Atas Tanah Beserta Benda-Benda Yang Berkaitan Dengan Tanah.” Jurnal Privat Law 8, no. 1 (2020): 57. https://doi.org/10.20961/privat.v8i1.40367.

Republik Indonesia. Undang-Undang No. 10 Tahun 1998 tentang Perbankan, Pub. L. No. 8 (1998).

Reyvita, Putri, and Ridha Sabila. “Larangan Menyewakan Atas Objek Hak Tanggungan (Analisis Putusan No.7/ Pdt.G/201/Pn.Pwk.” Jurist-Diction 2, no. 4 (2019): 1405–23.

Sofyan Hendrawan, Saudara Parsaoran Bako; Fitriani. “Tinjauan Hukum Pelaksanaan Parate Eksekusi Hak Tanggungan Tanah Dan Bangunan Menurut Undang-Undang No. 4 Tahun 1996.” Jurnmalrectum 4, no. 1 (2022): 254–67.

Wansan. “Pembatalan Akta Pembebanan Hak Tanggungan.” Law Review 18, no. 2 (2018): 165–82. http://www.uib. no/sites/w3.uib.no/files/attachments/1._ahmed-affective_economies_0.pdf%0Ahttp://www.laviedesidees. fr/Vers-une-anthropologie-critique.html%0Ahttp://www.cairn.info.lama.univ-amu.fr/resume.php?ID_ ARTICLE=CEA_202_0563%5Cnhttp://www.cairn.info.lama.

Widiasari, Hayuning. “Perlindungan Hukum Bagi Para Pihak Dalam Perjanjian Kredit Dengan Jaminan Hak Taggungan.” Res Judicata 1, no. 2 (2018): 86. https://doi.org/10.29406/rj.v1i2.1233.

Zafiratul Jamilah MZ, Burhanuddin Susamto. “Perubahan Objek Hak Tanggungan Dalam Perjanjian Kredit.”

Journal of Islamic Business Law 6, no. 3 (2022): 1–14.

Zainal Asikin. Pengantar Hukum Perbankan Indonesia. Jakarta: Rajagrafindo, 2015.

Article Metric

Abstract this article has been read : 263 times
PDF file viewed/downloaded : 177 times

DOI: http://dx.doi.org/10.30641/dejure.2024.V24.019-030