Legal Protection for Creditors for Mortgage Rights for Building Use Rights that Have Expired Before the Credit Agreement Ends

Abstract

. Providing credit carried out in Pekalongan should be able to provide legal protection for credit givers and recipients and related parties receive protection through a legal guarantee institution for all interested parties. The aim to be achieved in this research is to find outlegal status regarding the expiry of Mortgage Rights on HGB that have expired before the credit agreement endsand To find out what the solution is to the Credit Agreement withMortgage rights from HGB collateral that have expired before the credit period ends. This research uses a normative legal research approach, namely research carried out on certain laws or concepts. The main aim is to identify the main or basic meanings in law, namely legal society, legal subjects, rights and obligations, legal events, legal relations and legal objects. The results of research on credit agreements guaranteed by Building Use Rights certificates are always carried out by imposition of Mortgage Rights through three stages, namely the stage of entering into a debt and receivables agreement between the debtor and creditor, the process of granting Mortgage Rights before the PPAT, and the registration process by the Land Office. So, when signing the APHT, a power of attorney clause must be included so that the creditor can arrange for an extension of their rights if their Mortgage Rights end, offer to change their rights to Ownership Rights and ask for additional collateral or replacement collateral.
Keywords: Building; Mortgage; Protection; Rights.