Analysis of the Problems of Executing Collateral Objects Encumbered With Mortgage Rights
Keywords:
Guarantee, Credit, Charge MortgagingAbstract
The land that is used as collateral for the credit agreement is bound by a Deed of Granting Mortgage Rights (APHT) which is then registered with the local land office to be burdened with charge mortgaging. The consequence of having a charge mortgaging is that if the debtor breaks his promise, the bank has the authority to execute the object of the guarantee. In order to protect the debtor's interests in executing the object of the charge mortgaging, the bank is obliged to carry out the execution in accordance with applicable regulations, one of which is that the auction of the object of the charge mortgaging must be in accordance with the market price or in accordance with the limit value, so as not to harm the debtor in particular. The aim of this research is to analyze legal protection for debtors for mortgage execution auctions that do not reach the maximum value and identify how the government should determine the execution auction process and limitations in conducting charge mortgaging execution auctions. This type of research uses normative juridical research methods. Article Decree of the Minister of Finance jo. Article of the Decree of the Directorate General of State Receivables and Auctions gives the seller the right to determine special auction conditions that do not conflict with general auction regulations or existing laws and regulations. The auction for the execution of charge mortgaging rights must be carried out at the KPKNL, namely the government which has a position based on the provisions of the applicable laws so that the execution auction is carried out in accordance with the applicable regulations
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