By: Ariza Ekky and Rosalina Dewy

Hak jaminan yang dibebankan pada hak atastanah sebagaimana dimaksud dalam Undang-

undang Nomor 5 Tahun 1960 tentangPeraturan Dasar Pokok-Pokok Agraria,

berikut atau tidak berikut benda-benda lain yang merupakan satu kesatuan dengan tanahitu, untuk pelunasan utang tertentu terhadap

kreditor-kreditor lainnya

legal norms1. Civil Code

2. Act No. 5 of 1960 about Basic Agrarian Law

3. Act No. 4 of 1996 about Mortgage

4. Government Law No. 40 of 1996 about Right to Cultivate, Building Use Right, and Use Right on land.

principlesa. provide the preferred position of right (pasal 1

ayat (1) UU No. 4 tahun 1996)

b. cannot be divided (pasal 2 ayat (1) UU No. 4 tahun 1996)

c. Only charged in the land rights that was exist(pasal 2 ayat (2) UU No. 4 tahun 1996)

d. Can also charge in addition to land objects related to such land(pasal 4 ayat (4) UU No. 4 tahun 1996)

e. Can also charge over objects relating to landthat will exist on later(pasal 4 ayat (4) UU No. 4 tahun 1996)

f. the characteristic of its agreement is accesoir(addition) (pasal 10 ayat (1) UU No. 4 tahun1996)

g. can be a guarantee of debt which will be exist(pasal 3 ayat (1) UU No. 4 tahun 1996)

h. Can be a guarantee more than one debt(pasal 3 ayat (2) UU No. 4 tahun 1996)

i. the object of mortgage following anyone who bring it (pasal 7 UU No. 4 tahun 1996)

j. cannot be placed confis cation by court

k. only can charge in certain land(pasal 11 ayat (1) UU No. 4 tahun 1996)

l. must be registered (pasal 13 ayat (1) UU No. 4 tahun 1996)

m. can be given with certain promises(pasal 11 ayat (2) UU No. 4 tahun 1996)

n. does not allow to agree for owned by mortgageholder when injury promises(pasal 12 UU No. 4 tahun 1996)

o. the execution implementation of mortgage easy and surely(pasal 6 UU No. 4 tahun 1996)

Definition of property rights

Hak turun temurun, terkuat danterpenuh yang dapat dipunyai

orang atas tanah, dengan mengingatketentuan yang tercantum dalam

pasal 6 UUPA

Regulation

• Book II of Civil Code Article 570 to 624

• Act No. 5 of 1960 Article 20 to 27

• Book III NBW

Definition of Building Use Rights

Hak untuk mendirikan danmempunyai bangunan-bangunan atastanah yang bukan miliknya sendiri, dengan jangka waktu paling lama 30 tahun

Regulation

• Article 35 to Article 40 of Basic Agrarian Law

• Article 19 to Article 38 of Government Regulation No. 40 of 1996

Kinds of Land

• State Land

• Management Rights Land

• Property Rights Land

Mortgage Registration

1. Granting mortgage phase is conducted with made the Mortgage Deed by PPAT, which was preceded by agreements that guaranteed accounts payable.

2. Registration phase at the land office, which is when the birth of the Mortgage

Mortgage can be moved to other party , by:

a. Cessieb. Subrogatiec. Inheritance d. other causes

Result of observation

• The observations carried out in BTN, on May 1, 2013 at 13:30. Informant is Loan Service devision, named Resti Dwi.

• Kredit Agunan Rumah BTN and KPR BTN Platinum

• This guarantee is given in the form of land title/property right certificate (SHM), or Building Use Rights Certificate and Building Permit (IMB)

• It must request to made by PPAT a Granting Mortgage Certificate and registered in Land Office.

• Banks can provide funds to a customer maximum of 80% of the value of the collateral.