Kekuatan Hukum Akta Subrogasi Pada Proses Buy Back Guarantee Oleh Developer

Mukti, Cesari Harnindya (2017) Kekuatan Hukum Akta Subrogasi Pada Proses Buy Back Guarantee Oleh Developer. Magister thesis, Universitas Brawijaya.

Abstract

Di dalam hukum perikatan berdasarkan KUHPerdata termuat suatu asas dalam hukum perikatan bahwa terdapat asas kebebasan berkontrak dimana para pihak diberikan kebebasan seluas-luasnya untuk membuat atau menentukan sendiri kontraknya yang mana tidak betentangan dengan perundang-undangan, kesusilaan dan ketertiban umum. Suatu akta subrogasi agar mempunyai kekuatan pembuktian sempurna haruslah memenuhi syarat dan dibuat secara otentik. Permasalahannya adalah apabila adanya akta subrogasi sudah dibuat oleh Notaris dan berlaku bagi kedua belah pihak tetapi dalam kenyataannya salah satu pihak tidak melaksanakan akta subrogasi. Dalam pelaksanaan akta subrogasi masih menemukan kendala salah satunya jaminan tersebut masih dikuasai oleh debitur. Menurut hasil penelitian ini dapat diketahui bahwa: Pertama, kekuatan hukum akta subrogasi yang dibuat dihadapan Notaris mempunyai kekuatan hukum sempurna dimana developer dan bank sudah memenuhi perjanjian kerjasama yang memuat klausula Buy Back Gurantee yang mana jika suatu hari debitur mengalami kredit macet maka hak dan kewajiban bank beralih ke developer untuk menagih jaminan tersebut kepada debitur. Kedua, guna menyelesaikan penyelesaian antara developer dan debitur jika debitur ingin meminta uang muka kembali pada saat pembelian Kredit kepemilikan Rumah. Sehingga developer dan debitur dapat melakukan suatu upaya penyelesaiannya melalui Badan Arbitrase Nasional Indonesia dan musyawarah atau negosiasi.

English Abstract

The law of contractual based on the Civil Code contains a principle in the law of contractual starting that there is a principle of freedom of contract in which the parties are given the greatest freedom to make or determine their own contract which is not contrary to the laws, morals and public order. A subrogation deed in order to have perfect evidentiary power must meet the requirement and be made authentic. The problem is if a subrogation deed has been made by a Notary and applies to both parties but in reality one party does not implement the subrogation deed. There are problemsencountered in the implementation of the deed of subrogation and on of them is that, the guarantee is still controlled by the debtor. According to the results of this stud, it can be seen that: First, the legal force of the subrogation deed made before the Notary has perfect legal force where the developer and the bank has complied with the cooperation agreement containing the clause of Buy Back Gurantee in which if one day the debtor experiences bad credit then the rights and obligations of the bank is given to the developer to collect the guarantee to the debtor. Secondly, to resolve the dispute resolution between the developer and the debtor if the debtor wishes to request an advance payment at the time of the purchase of Home Ownership Credit.. So developers and debtor can make a settlement through Indonesia National Arbitage Agency and discussion or negotiation.

Item Type: Thesis (Magister)
Identification Number: TES/346.043 8/MUK/k/2017/041712432
Uncontrolled Keywords: SUBROGATION, GUARANTECD INVESTMENT CONTRACTS, HOUSING DEVELOPERS
Subjects: 300 Social sciences > 346 Private law > 346.04 Property > 346.043 Real property > 346.043 8 Conveyancing
Divisions: S2/S3 > Magister Kenotariatan, Fakultas Hukum
Depositing User: Nur Cholis
Date Deposited: 23 Apr 2018 02:57
Last Modified: 25 Nov 2021 07:12
URI: http://repository.ub.ac.id/id/eprint/9720
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