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I Kadek Agus Marantika
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Law, Crime, Criminology & Criminal Justice Social Sciences

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KepastianHukum Dalam Pencabutan Surat Roya Pasca Pelunasan Kredit Perbankan Perspektif UU No.4 Tahun 1996 Tentang Hak Tanggungan I Kadek Agus Marantika; I Gusti Ngurah Anom
Jurnal Hukum Mahasiswa Vol. 6 No. 02 (2026): EDISI OKTOBER 2026: JURNAL HUKUM MAHASISWA
Publisher : Fakultas Hukum, Universitas Mahasaraswati Denpasar

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Abstract

The legal certainty in the revocation of the Roya Letter after the repayment of bank credit according to Law Number 4 of 1996 concerning Mortgage Rights (UUHT) and the legal consequences for debtors if the creditor does not issue a Roya Letter. The type of research used is normative juridical with a statutory and analytical approach. The results of the study indicate that the UUHT does not regulate a strict time limit and sanctions for creditors who neglect to revoke the Roya Letter, thus creating legal uncertainty. The provisions of Articles 18, 19, and 22 of the UUHT only regulate the material elimination of mortgage rights without a coercive mechanism for creditors. As a result, debtors cannot transfer, inherit, or re-guarantee their land, and lose access to business capital. Preventive and repressive legal protection do not function, so that debtors who have acted in good faith are in a position without fair and equal legal protection
Co-Authors I Gusti Ngurah Anom