INKRAH Law ·
Indonesia
· Hukum Jaminan
Mortgage (Security over Land)
Hak Tanggungan atas Tanah
Undang-Undang No. 4 Tahun 1996
UU No. 4 Tahun 1996.
Official source / JDIH →
Bahasa Indonesia
Key Subject Matter
Mengatur hak tanggungan sebagai jaminan atas tanah beserta benda di atasnya: pembebanan, pendaftaran, peringkat, dan eksekusi melalui pelelangan.
English (British)
Key Subject Matter
Governs the mortgage (hak tanggungan) as security over land and the objects upon it: creation, registration, ranking, and enforcement by public auction.
INKRAH Note
It underpins land-secured financing; read together with the Basic Agrarian Law and land-registration rules.
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Official source / JDIH →
Article by Article
Ketentuan Umum
Article 1
— Definition of Mortgage
Bahasa Indonesia(1) Hak Tanggungan atas tanah beserta benda-benda yang berkaitan dengan tanah adalah hak jaminan yang dibebankan pada hak atas tanah sebagaimana dimaksud dalam Undang-Undang Pokok Agraria, untuk pelunasan utang tertentu, yang memberikan kedudukan yang diutamakan kepada kreditor tertentu terhadap kreditor-kreditor lain.
English (British)(1) A mortgage (hak tanggungan) over land and objects connected with the land is a security right charged on land rights as referred to in the Basic Agrarian Law, for the repayment of a certain debt, giving a particular creditor a preferential position over other creditors.
Eksekusi
Article 6
— Right to Sell on Default
Bahasa IndonesiaApabila debitor cidera janji, pemegang Hak Tanggungan pertama mempunyai hak untuk menjual obyek Hak Tanggungan atas kekuasaan sendiri melalui pelelangan umum serta mengambil pelunasan piutangnya dari hasil penjualan tersebut.
English (British)If the debtor defaults, the first mortgage holder has the right to sell the mortgaged object on its own authority by public auction and to recover its claim from the proceeds of that sale.
Sertipikat
Article 14
— Mortgage Certificate
Bahasa Indonesia(2) Sertipikat Hak Tanggungan memuat irah-irah dengan kata-kata 'DEMI KEADILAN BERDASARKAN KETUHANAN YANG MAHA ESA'.
(3) Sertipikat Hak Tanggungan mempunyai kekuatan eksekutorial yang sama dengan putusan pengadilan yang telah memperoleh kekuatan hukum tetap.
English (British)(2) The mortgage certificate bears the heading 'IN THE NAME OF JUSTICE BASED ON BELIEF IN THE ONE ALMIGHTY GOD'.
(3) The mortgage certificate has the same executory force as a final and binding court judgment.
