AKIBAT HUKUM PERJANJIAN JUAL BELI RUMAH MELALUI KREDIT PEMILIKAN RUMAH SECARA OVER CREDIT DI BAWAH TANGAN

Mahfudzotin Nikmah, Hari Sutra Disemadi, Ani Purwanti


Mahfudzotin Nikmah(1*), Hari Sutra Disemadi(2), Ani Purwanti(3)

(1) Universitas Diponegoro
(2) Universitas Internasional Batam
(3) Universitas Diponegoro
(*) Corresponding Author

Abstract


This research aims to examine the transfer of housing Mortgages (KPR) by transferring loans (over credit). This problem is caused by the lack of public knowledge about existing legal regulations related to buying and selling KPR by Over Credit. The research method used is a normative legal research method with a statutory approach and conceptual approach. The results of this research show that the process of over credit under the hand can be detrimental to third parties or substitute debtors. The loss was caused by the KPR organizer bank refusing to submit the KPR house certificate and the substitute debtor could not carry out the process of changing ownership of the land certificate for the KPR house he bought because the certificate was still registered in the name of the first party. Therefore, the settlement for the loss can be made by filing a lawsuit through the District Court with a verdict that has permanent legal force regarding the validity of the sale and purchase of mortgages under the hand and the third party is given the authority and power to use as appropriate.


Keywords


Agreement; KPR; Credit Transfer.

Full Text:

PDF

References


Arifin, J. (2019). Perlindungan Konsumen Atas Wanprestasi Developer Terhadap Bangunan Kpr Berdasarkan Undang-Undang Nomor 8 Tahun 1999 Tentang Perlindungan Konsumen. Yustitia, 5(2), 226–241. https://doi.org/http://yustitia.unwir.ac.id/index.php/yustitia/article/view/91

Astuti, W. A., & Dewi, N. N. (2017). Analisis Pengaruh Suku Bunga Kredit Pemilikan Rumah Terhadap Jumlah Pengajuan Kredit Pemilikan Rumah pada PT. Bank Rakyat Indonesia (Persero) Tbk. Kantor Cabang Pemanukan. Majalah Ilmiah UNIKOM, 15(1), 25–38. https://doi.org/https://repository.unikom.ac.id/id/eprint/52385

Debby Shara, D. H., & Wahjunic, S. (2019). Hak Bank Sebagai Kreditur Dalam Pemberian Kredit Pemilikan Apartemen Dengan Jaminan Perjanjian Pengikatan Jual Beli Apartemen. ACTA DIURNAL Jurnal Ilmu Hukum Kenotariatan, 2(2), 172–186. https://doi.org/http://dx.doi.org/10.24198/acta.v2i2.234

Hermansyah. (2014). Hukum Perbankan Nasional Indonesia. Jakarta: Prenadamedia Group.

Herutomo, A. (2010). Rahasia KPR Yang Disembunyikan Para Bankir. Jakarta: Gramedia.

Hijriyani, S., Salim, H. S., & Muhaimin, M. (2019). Preliminary Agreement Deed of Sale and Purchase Agreement (PPJB) on Houses through House Ownership Loan (KPR) Still in the Form of Pictures. International Journal of Multicultural and Multireligious Understanding, 6(4), 175–186. https://doi.org/http://dx.doi.org/10.18415/ijmmu.v6i4.951

Jewel, S. N. (2013). Peralihan Hak Atas Rumah KPR melalui Jual Beli di Bawah Tangan. Unnes Law Journal, 2(2), 105–122. https://doi.org/https://journal.unnes.ac.id/sju/index.php/ulj/article/view/2271

Koraag, A. (2017). Pengalihan Kredit Akibat Debitor Tidak Mampu Membayar Cicilan Perumahan. Lex Administratum, 5(5), 41–48. https://doi.org/https://ejournal.unsrat.ac.id/index.php/administratum/article/view/16425

Mahmudy, D. A. W. S. (2016). Perlindungan Hukum Terhadap Konsumen Dalam Transaksi Pemilikan Rumah Di Kabupaten Malang. Jurnal Cakrawala Hukum, 7(2), 156–168. https://doi.org/10.26905/idjch.v7i2.1905

Mardiana. (2019). Legal Protection for The Parties In Buying And Selling Land To A Deed Under The Hand. Kader Bangsa Law Review, 1(1), 172–184. https://doi.org/http://ojs.ukb.ac.id/index.php/kblr/article/view/89

Nero, I. G. T. K. (2014). Wanprestasi dan Penyelesaiannya dalam Perjanjian Kredit Pemilikan Rumah (KPR) pada Bank BTN Cabang Singaraja Bali. Kumpulan Jurnal Mahasiswa Fakultas Hukum, 1(1). https://doi.org/http://hukum.studentjournal.ub.ac.id/index.php/hukum/article/view/439

Pradnyawati, N. P. D., Windari, R. A., & Sudiatmaka, K. (2020). Akibat Hukum Terjadinya Wanprestasi Dalam Perjanjian Sewa Menyewa Mobil Di Kabupaten Klungkung. Jurnal Komunitas Yustisia, 2(1), 10–19. https://doi.org/https://ejournal.undiksha.ac.id/index.php/jatayu/article/view/23865

Prayogo, S. (2016). Penerapan Batas-Batas Wanprestasi Dan Perbuatan Melawan Hukum Dalam Perjanjian. Jurnal Pembaharuan Hukum, 3(2), 280–287. https://doi.org/10.26532/jph.v3i2.1453

Putrisani, I. (2018). Analisis Pengalihan Kredit Pemilikan Rumah di Bawah Tangan. Mimbar Keadilan, 14(28), 171–182. https://doi.org/https://doi.org/10.30996/mk.v0i0.1778

Rochman, A., Triasih, D., & Abib, A. S. (2017). Tinjauan Hukum Islam Terhadap Sistem Transaksi Kredit Pemilikan Rumah (KPR) Di Bank Tabungan Negara Syariah (BTN Syariah) Semarang. Humani (Hukum Masyarakat Madani), 7(3), 167–181. https://doi.org/http://dx.doi.org/10.26623/humani.v7i3.1425

Saliman, A. R. (2004). Esensi Hukum Bisnis Indonesia. Jakarta: Kencana.

Santoso, B., & Adhito, A. (2010). Jangan Ambil KPR Sekarang! Jakarta: PT. Elex Media Komputindo.

Santoso, U. (2014). Hukum Perumahan. Jakarta: Kencana Prenadamedia Group.

Soekanto, S., & Mamudji, S. (2011). No Title. Jakarta: Raja Grafindo Persada.

Subekti. (2002). Hukum Perjanjian (Cetakan ke). Retrieved from https://ejournal.undiksha.ac.id/index.php/jatayu/article/view/23865

Tani, A. I. P., Arief, A. S., & Suamperi. (2017). Pelaksanaan Over Kredit Kepemilikan Rumah Pada Bank Tabungan Negara Cabang Padang. Undergraduate Research, Faculty of Law, Bung Hatta University, 8(1), 1–11. https://doi.org/http://ejurnal.bunghatta.ac.id/index.php?journal=JFH&page=article&op=view&path%5B%5D=9237

Wijayanti, P., Silviana, A., & Ananingsih, S. W. (2017). Akibat Hukum Jual Beli Tanah dan Bangunan Secara di Bawah Tangan Yang Sedang Dibebani Hak Tanggungan (Studi Kasus Putusan Nomor 416/Pdt/G/2015/PN.Smg). Diponegoro Law Journal, 6(2), 1–19. https://doi.org/https://ejournal3.undip.ac.id/index.php/dlr/article/view/17403

Zen, A. M. (2017). Penyelesaian Wanprestasi Dalam Kredit Kepemilikan Rumah (KPR) Dengan Akad Murābaḥah Studi Kasus Di Bank Tabungan Negara Syariah Surabaya. Intizar, 23(1), 55–72. https://doi.org/10.19109/intizar.v23i1.1317




DOI: http://doi.org/10.33760/jch.v6i1.254

Refbacks

  • There are currently no refbacks.


Copyright (c) 2020 JCH (Jurnal Cendekia Hukum)

Creative Commons License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Published by STIH Putri Maharaja Payakumbuh

 Indexing by