ANALISIS YURIDIS EKSEKUSI JAMINAN KREDITUR LELANG HAK TANGGUNGAN TERHADAP OBJEK BERPENGHUNI - Iswara, Firda Ramadhanty; Sesung, Rusdianto (Institute for Research and Community Services (LPPM) of Wijaya Kusuma Surabaya University, 2022)
Pembayaran hutang kreditur dilaksanakan dengan objek jaminan hak tanggungan yang dilakukan berdasarkan pelelangan umum. Pelelangan merupakan perbuatan hukum yang memaksa dan berperan penting untuk penyelesaian permasalahan perdata dapat dilaksanakan di Pengadilan Negeri dan KPKNL. Dalam pelaksanaannya kedudukan dalam mengeksekusi jaminan kredit yang tidak melakukan prestasi dapat dilaksanakan melalui kantor lelang dilakukan secara terbuka akan sangat menguntungkan. Namun problematika terhadap kegiatan lelang seringkali rumit, dikarenakan objek pelelangan adalah jaminan terhadap kredit yang tetap tidak dalam pemenuhan prestasi. Hal itu dikarenakan pemenang lelang objek dengan hak jaminan terhadap suatu kredit yang tidak terpenuhi prestasinya diambilalihkan tetapi dalam kenyataannya objek lelangnya berpenghuni. Sepanjang terdapat itikad baik dari semula oleh pembeli dan persyaratan pembeliannya sesuai dengan peraturan perundang-undangan, hukum akan melindungi hak dari pembeli lelang dan pemenang yang mendapatkan objek lelang eksekusi dengan hak tanggungan berpatokan pada grosse atau akta kutipan risalah lelang.Payment of creditors’ debts is carried out with the object of guarantee of mortgages which is carried out through public auctions. The auction is a legal act that compels and its very important role in resolving civil problems can be carried out by the District Court and the KPKNL. In practice, the position of executing credit guarantees that do not perform well can be implemented through the auction office carried out openly will be very profitable. However, the problem with auction activities is often complicated, because the object being auctioned is a guarantee for credit which is still not fulfilling the achievement. This is because the winner of the auction of the object with collateral rights for a credit whose achievements are not fulfilled is taken over but in reality the object of the auction is inhabited. As long as there is good faith from the beginning by the buyer and the purchase requirements are in accordance with the laws and regulations, the law will protect the rights of the auction buyer and the winner / who gets the object of the execution auction with the mortgage based on the grosse or the deed of quotation of the minutes of the auction.