Akibat Hukum Kreditor Pemegang Hak Tanggungan Terhadap Obyek Hak Tanggungan Yang Dinyatakan Gugur Demi Hukum Berdasarkan Putusan Pengadilan
DOI:
https://doi.org/10.31629/selat.v5i2.553Keywords:
Mortgage Rights, Warranty Object, Void ab InitioAbstract
The establishment of mortgage insurance agency through the regulation No. 4, 1996 Concerning the Right of Land and Land-Related Objects (UUHT) aims to accommodate the needs of bank as the financial institution to secure credit transactions that arechanneled to the community. Mortgage provides primary position for certain creditorsin case of default by the debtor. Moreover, there is legal vacuum within UUHT mainly about legal protection for creditor as the right holder of mortgage when it is canceled by the court. The present study tries to elaborate coupled with examine further about legal consequences of creditor as rights holder toward mortgage that is aborted by the court and legal protection for creditor concerning abortion of the mortgage. The method used in the present study is a normative legal research, namely legal research which is conducted by examining the library materials or secondary law while in finding and collecting the data is done by two approaches, namely the law and conceptual approaches. The present study concludes that the cancelation of mortgage by the court stimulates alteration position of creditor in which at the beginning creditor holds position as preferment creditor into concurrent creditor in which the settlement concerning fulfillment of receivables can be preceded.Legal protection for creditor in regard to the cancelation of mortgage can be achieved in two ways: (1) preventive way through agreement by adding clause concerning replacement of the mortgage with other mortgage; (2) repressive way by filling a lawsuit to the court which is followed with application for confiscation replacement of collateral against property of the party that is conducting default.
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