PERJANJIAN KREDIT KEPEMILIKAN RUMAH (KPR) BERDASARKAN HUKUM CESSIE

Dendy Pratama  Achmady; Jarot Widya  Muliawan

doi:10.53363/bureau.v3i2.315

Authors

Dendy Pratama Achmady Universitas Narotama Surabaya
Jarot Widya Muliawan Universitas Narotama Surabaya

DOI:

https://doi.org/10.53363/bureau.v3i2.315

Keywords:

Debtor, Cesie, Debitur, Piutang, Kredit Pemilikan Rumah (KPR)

Abstract

Home Ownership Loans (HOL) are usually held by banks. However, in practice mortgage problems often occur, one of which is bad credit. The solution that is often carried out by banks as creditors is to transfer the receivables (cessie) to the object of mortgage rights. This study uses normative research methods. This study discusses the home ownership credit agreement in transferring cessie receivables and the legal consequences of not granting a cessie to the debtor. The results of the analysis show that the process of transferring receivables by the first party to a third party in making a cessie deed, whether authentic or private, requires notification to the debtor or in writing to be approved and known by the debtor as described in Article 613 of the Civil Code and the legal consequences of the transfer receivables from old creditors to new creditors

Downloads

Download data is not yet available.

References

Achmad Ali Fikri, Syamsul Arifin, M. F. F. (2022). Perlindugan Hukum Debitur Dalam Pengalihan Piutang (Cessie) Kepada Pihak Ketiga Tanpa Pemberitahuan Kepada Debitur Atas Kredit Kepemilikan Rumah. Journal of Educational and Language Research, 2(8.5.2017), 2003–2005.

Edi Purwanto. Tesis Kenotariatan Pascasarjana Universitas Diponegoro 2008. dalam buku : Sutan Remy Sjahdeini. Kebebasan Berkontrak dan Perlindungan yang Seimbang bagi para pihak dalam Perjajian Kredit Bank di Indonesia. Institur Bankir Indonesia. Jakarta 1999. Hal. 159-161.

Habib Adjie, Majelis Pengawas Notaris, (Bandung: Refika Aditama, 2011) Hlm. 10

ISYAH, SITTI, Rekontruksi Perlindungan Hukum Jaminan Kredit Pemilikan Rakyat (KPR) Terhadap Pensiunan Pegawai Negeri Sipil (PNS) Berbasis Keadilan

Kitab Undang-Undang Hukum Perdata (KUHPerdata).

KUH Perdata Pasal 1320 tentang Perjanjian.

Maulana, M. A., RS, D. S., Arifin, Z., & Soegianto, S. (2021). Klausula Baku Dalam Perjanjian Kredit Bank Perkreditan Rakyat. Jurnal USM Law Review, 4(1), 208-225.

Melitha Dwi Putri, A. Jajang W. Mahri, S. A. U. (2019). Analisis Pembiayaan Refinancing Dan Risiko Pada Akad Musyarakah Mutanaqishah Produk Kepemilikan Rumah (KPR) Di Perbankan Syariah Kota Bandung. Iqtishaduna- Jurnal Ekonomi & Keuangan Islam, 10(2), 173–203.

Muhamad Rizky Djangkarang. disadur dalam Sri Kastini, Gadai Saham, Gadai Piutang dan Cessie. Hukum Jaminan Indonesia, Seri Dasar Hukum Ekonomi 4. ELIPS, Jakarta. 1998. Hal. 246.

Muhammad Djumhana, Hukum Perbankan Di Indonesia, Bandung, Citra Aditya Bakti, 2012.

Puteri Natalia Sari. Pengalihan Piutang Secara Cessie dan akibatnya terhadap jaminan hak tanggungan dan jaminan fidusia. Tesis. Program Magister kenotariatan, Fakultas Hukum Universitas Indonesia. Jakarta. 2010.

Subekti, Hukum Perjanjian, Cetakan 17, (Jakarta, Intermasa, 1998), Hlm. 71