Tanggung Gugat Kreditur Terhadap Kerugian Debitur Akibat Tidak Terlaksanakannya Roya Hak Tanggungan Setelah Utang Lunas Dalam Perbankan
Keywords:
Mortgage Right, Roya, Creditor Liability, DebtorAbstract
The repayment of a debt secured by a Mortgage Right results in the substantive termination of the Mortgage Right. However, the encumbrance may remain recorded in the land book and land title certificate when roya has not been carried out. This condition may create legal uncertainty and cause losses to the debtor, particularly when the roya process is obstructed because the creditor fails to provide the required documents. This study aims to analyze the legal regulation of land title certificates where the secured debt has been fully repaid but roya has not yet been carried out, as well as the forms of creditor liability for losses suffered by debtors due to the failure to carry out roya in banking relationships. This study employs normative legal research using a statute approach. The results show that, pursuant to Article 18 of Law Number 4 of 1996 concerning Mortgage Rights, repayment of the secured debt substantively terminates the Mortgage Right, while administratively the encumbrance remains recorded until roya is carried out under Article 22. Creditor liability may be based on breach of contract or an unlawful act. Such liability may take the form of providing supporting documents for roya, assisting with the deletion of the Mortgage Right record, restoring the legal status of the land title certificate, and paying compensation where the debtor's losses can be proven
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