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Mella Ismelina Farma Rahayu
Universita Tarumanagara
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Journal : law development journal

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Legal Consequences for House Ownership Credit (KPR) Debtors Related to Certificates That Have Not Been Transferred to Their Name Until The Credit Has Been Paid Off Munthe, Duma Sinta Uli; Rahayu, Mella Ismelina Farma
Law Development Journal Vol 6, No 4 (2024): December 2024
Publisher : Universitas Islam Sultan Agung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/ldj.6.4.608-614

Abstract

In everyday life, humans need a place to live as one of the three basic needs to support their lives. Humans need a house as a shelter to provide a sense of security. The 1945 Constitution of the Republic of Indonesia also guarantees the fulfillment of a decent and healthy place to live for everyone. However, not everyone has the financial ability to buy a house, so banks are present as an alternative that offers assistance facilities in the form of Home Ownership Credit (KPR). In practice, KPR transactions do not always run smoothly, sometimes there are obstacles or disputes faced by the parties. One of them is when the debtor has paid off his credit at the bank but the debtor has not received a certificate for the assets that have been paid off for years. The causes vary, one of which is because the name has not been changed on the certificate. This certainly has a detrimental impact on the debtor. This study discusses the legal consequences for KPR debtors who have paid off their KPR installments but the certificate is still not in the hands of the debtor. In the context of civil law, a certificate is valid evidence and provides legal certainty regarding a person's ownership of their property. The research method used is normative juridical by referring to the laws and regulations in force in Indonesia. The research was conducted by means of a literature study of secondary data sources. The results of the study indicate that certificates that have not been submitted to debtors because they have not been transferred can be detrimental to debtors legally because the debtor does not have legal certainty over the land he has purchased so that the debtor can request compensation and accountability from the developer and bank in accordance with the provisions of laws and regulations, especially Law No. 8 of 1999 concerning Consumer Protection.
Co-Authors Abdullah, Reza Ade Adhari Adhi Gani Wiguna Adhytia Nugraha Afrizal Hadi Permana Agnes Listya Adeline Agustinus Astono Aldiansyah Yudha Prawira Alegra, Vincent Mayer Amad Sudiro Amad Sudiro Amad Sudiro, Amad ammanda michelle sumampow Anak Agung Sagung Laksmi Dewi Ananda Surya Dharma Anastasia Wahyu Murbani Andre Jr Cardenas Andreas Sutjiadi Andriani, Kasmita Angin , Sarwan Perangin Antari, Ni Putu Dea Anthon F. Susanto Anthon F. Susanto, Anthon F. Anthon Freddy Susanto Anthon Freddy Susanto Anthon Freddy Susanto Anthony Robert Phangestu Abady Antoinette Evaline Blegur Selly Kua Arinto Nurcahyo Aris Yulia Asrun, Andi Muhammad Atalla Mufid Ayu, Bumi Benny Iswari Carissa Janice Carissa Maharani Carrin Finerly Christiawan, Rio Columbanus Priaardanto Cynthia Phillo Delfero, Alessandro Devira Ayu Larashati Dewi, A.A Sagung Laksmi Dharma, Ananda Surya Diana Fitriana Doly Indra Utama, Iqbal Donny Agus Prakoso Dwi Andika , Dery Dzakiah, Wanda Putri Edwin, Shane Efridani Lubis Elle Tasya Putri Engkus Kusnadi Evellyn Octavia Eztha Oke Sonia F. Susanto, Anthon Fara Jane Fatimah Zahro Fatsym, Jennisyh Aurora febyola berylani sugiarto Felicia Felicia Ferna Tamagangka Feronica Gracia Leslie Finna Maessy Pangestika Firdaus Arifin, Firdaus Firdaus, Arifin Florencia Irena, Florencia Gemilang, Wita Anugrah Gracia Gracia Handoyo Handoyo Hansen Joneri Hanum, Paujiah Hardina, Tati Sri Hartini Saripan Hartono, Octafani Rheaeda Hotris Parlinggoman Sitanggang Hughes Ramadinda Etnneji I Wayan Gde Wiryawan I Wayan Wahyu Wira Udytama Ihsanul Maarif Ika Pratiwi, Rani Iriani, Kunto Fitricia Elfisa Jeffaldo Thio Jennyver Willyanto Joko Pramono Juliane Chaerunnisa K, Rachmasari Anna Kanaya, Franzeska Ratu Kenneth Kenneth Ketut Ria Wahyudani Oktavia Khairunnisa Riani Putri Khanifa Fauziah Khoirunnisa, Balqis Khomaini Kunto Fitricia Elfisa Iriani Kurniawan, Immanuel Stanly Kurniawan, Stanley Laurel Rahardjo Leonardo Alfero lidiyana, monica Lisna Wati Purba Liya Sukma Muliya Liya Sukma Muliya Louisa, Natasha M, Nabila Dyahayu Maarif, Ihsanul Manik, Kezia Ratu Clarissa Margriet Sulongamanda Rose Anabelle Wetik, Azalea Marlianti, Selly Marsalina Kareth monica lidiyana Muhamad l Haris Zulkarnaen Sitompul Muhammad Yusli Juliansyah Munthe, Duma Sinta Uli Murbani, Anastasia Wahyu Muslim, Yasir Mutia Dewi , Rury Nasution, Adellailla Neni Ruhaeni Ni Made Puspasutari Ujianti Nicholas Panggabean Nico Casey Ningtiyas, ⁠Hanna Ade Nugroho, Aldhy Bintang nur rizki, Raden achmad Nurhasanah, Nia Nurramdani, Husni Oke Sonia, Eztha Pahrazi, Raihan Panggabean, Nicholas Permana, Afrizal Hadi Prabowo, Romi Galih Pradana, Nanda Gita Putri Prawira, Aldiansyah Yudha Prihartati, Julia Purba, Gilbert Purba, Nelvitia Putra, Rifky Anantha Putri, Eka Ratna Raden Achmad Nur Rizki Raita Varia Rambe, Halgi Sujuangon Jhansen Randy Tulus Jordi Marpaung Rasji, Rasji ratna sari purba, Theresia Regina Christhalia Resia Monika Resmaya Agnesia Mutiara Sirait Reyhan Raesandi Riani Putri, Khairunnisa Ricci Ricci Ridhani Aipassa Riska Nadia Galuh Larasa Rivaldi Rizky Rivaldi Rizky Rizki Bagus Saputra Rizki Hirmanto Rizky, Rivaldi Romi Galih Prabowo Romlih, Rheihan Nurrizki RR. ELLA EVRITA H Sahrudi Sambuaga, Jefferson Asprila Saripan, Hartini Seguito Monteiro Selly Marlianti Sheerleen, Sheerleen Sherryl Syella Susilo Simanungkalit, Rosalina Situmorang, Waldus Stevenson, Jerry Sugeng Sugeng Sukamto, Iwan Sukma Muliya, Liya Susanto, Anthon F Sutjiadi, Andreas Syarifah Arabiyah Tamada Xio Fortune Tati Sri Hardina Tolib Turgun Ugli Rakhmonov Ujianti, Ni Made Puspasutari Utami, Annisa Nur Valencia Prasetyo Ningrum Valentin Maurentina Vania Dzakirah Vannes, Jeremy Virginia Tjendra Virginia Tjendra Viriato Da Costa Seac Virriantaka, Virriantaka Walman Gultom Wibisana, Anak Agung Ngurah Adhi Widyaningrum, Tuti William Mulyadanika Yenny AS Yudi Prihartanto Yunita Wahyu Medyawati Yuvirani Sabrianti Yuwono, Excel Febrianka ZK Abdurahman Baizal Zulkarnaen Sitompul, Muhamad l Haris