TINJAUAN AKIBAT HUKUM TERHADAP KREDITUR YANG MENGHILANGKAN DOKUMEN JAMINAN MILIK DEBITUR YANG SUDAH LUNAS
Article 15 paragraph (3) states that "A Power of Attorney for Imposing Mortgage regarding registered land rights must be followed by making a Mortgage Deed no later than 1 (one) month after it is granted". If the loan has been repaid by the debtor, the mortgage title and land certificate used as collateral will be returned to the Land Office. But often negligence occurs when the guarantee document will be returned by the creditor which makes the guarantee document lost. The research method uses a normative and empirical juridical approach. The types of data used are secondary data and primary data. Collecting data through library research (library research) and field research (field research). The data analysis used is juridical qualitative. Mortgage value is the factor that most determines the position of the creditor to become the creditor who prioritizes the repayment of his receivables if the debtor defaults. There are at least 2 possibilities that can happen to the land and the certificate of title to the land. First, if the debtor fulfills the performance or pays off the credit according to the agreed principal agreement. Therefore, the certificate of land rights should be returned to the debtor and the record of the mortgage right should be deleted for the cancellation of the mortgage due to the cancellation of the debt as regulated in Article 22 paragraph (1) jo. Article 18 paragraph (1) letter a UUHT.
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