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Journal : Law Development Journal

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 Afrizal Hadi Permana Aldiansyah Yudha Prawira Amad Sudiro, Amad ammanda michelle sumampow Anak Agung Ngurah Adhi Wibisana Anak Agung Sagung Laksmi Dewi Angin , Sarwan Perangin Antari, Ni Putu Dea Anthon F. Susanto, Anthon F. Anthon Freddy Susanto Arinto Nurcahyo Asrun, Andi Muhammad Ayu, Bumi Carissa Janice Carrin Finerly Christiawan, Rio Cynthia Phillo Dharma, Ananda Surya Dzakiah, Wanda Putri Edwin, Shane Efridani Lubis Fatimah Zahro febyola berylani sugiarto Finna Maessy Pangestika Firdaus Arifin, Firdaus Florencia Irena, Florencia Gemilang, Wita Anugrah Hansen Joneri Iriani, Kunto Fitricia Elfisa Jennyver Willyanto Joko Pramono K, Rachmasari Anna Kanaya, Franzeska Ratu Kenneth Kenneth Khoirunnisa, Balqis Kunto Fitricia Elfisa Iriani Kurniawan, Immanuel Stanly Kurniawan, Stanley Laurel Rahardjo Liya Sukma Muliya M, Nabila Dyahayu Maarif, Ihsanul Manik, Kezia Ratu Clarissa Marlianti, Selly Marsalina Kareth Muhamad l Haris Zulkarnaen Sitompul Munthe, Duma Sinta Uli Murbani, Anastasia Wahyu Mutia Dewi , Rury Nasution, Adellailla Neni Ruhaeni 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 Prawira, Aldiansyah Yudha Prihartati, Julia Putra, Rifky Anantha Putri, Eka Ratna Raden Achmad Nur Rizki Rasji, Rasji ratna sari purba, Theresia Regina Christhalia Reyhan Raesandi Rivaldi Rizky Rizki Hirmanto Rizky, Rivaldi Romi Galih Prabowo RR. ELLA EVRITA H Sambuaga, Jefferson Asprila Saripan, Hartini Sheerleen, Sheerleen Simanungkalit, Rosalina Situmorang, Waldus Stevenson, Jerry Susanto, Anthon F Sutjiadi, Andreas Ujianti, Ni Made Puspasutari Utami, Annisa Nur Wahyudani Oktavia, Ketut Ria Wati Purba, Lisna Wibisana, Anak Agung Ngurah Adhi Widyaningrum, Tuti Yunita Wahyu Medyawati Zulkarnaen Sitompul, Muhamad l Haris