PENGHAPUSAN HAK TANGGUNGAN (ROYA) DALAM HAL BANK DI LIKUIDASI DIHUBUNGKAN DENGAN UNDANG –UNDANG NOMOR 4 TAHUN 1996 TENTANG HAK TANGGUNGAN ATAS TANAH DAN BENDA – BENDA YANG BERKAITAN DENGAN TANAH DAN UNDANG – UNDANG NOMOR 10 TAHUN 1998 TENTANG PERBANKAN

Abstract

Abstract

Pledge of land is an activity that is often carried out by the community to meet their economic needs. The purpose of establishing a lien is not only the Basic Regulations and Agricultural Laws, but also as a regulator for public security agencies to meet their economic needs. According to Article 1(1) of Law Number 4 of 1996 concerning Mortgage on Land and Immovable Property, a mortgage is a right to immovable property and an immovable property known as a mortgage is a land right within the meaning of Law no. 5. is an additional right attached to the right to settle certain debts in 1960 related to basic agricultural regulations including or excluding other property belonging to land, giving priority to certain creditors over creditors, namely other creditors. The existence of the Mortgage Law is an important law for the civil law system, especially the guarantee law, namely in order to provide certainty in the field of binding collateral for objects related to land as credit collateral. Mortgage rights are security rights over property. Real estate rights that can be imposed with real estate liens are real rights, business rights, and building rights. A mortgage grant precedes a promise to provide a mortgage loan as collateral for the payment of a specific debt specified in the contract and is an integral part of the relevant debt contract or other arrangement that creates the debt. Mortgages occur when state authorities issue a mortgage listing date. The date has been set. That is, 7 days after the certificate of approval of the mortgage and the documents required for registration have been fully received by the state authorities. A lien must be registered with the state office. From research on the abolition of mortgage rights, which is commonly referred to as Loyas, when a creditor bank is liquidated due to a merger with another bank. After the debtor has paid off his debt to the creditor, the debtor will issue a payment order and one of the conditions that must be met is the attachment of a correction letter issued by the creditor.

Keywords: Elimination of Underwriting Rights (roya), Liquidation Bank.