Akibat Hukum dalam Proses Penyelesaian Roya

Lyanthi, Merline Eva (2023) Akibat Hukum dalam Proses Penyelesaian Roya. Jurnal Hukum Bisnis Bonum Commune, 6 (2). (In Press)

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Abstract

This study aims to find out the nature or meaning of arranged royalties and find out the legal consequences in the settlement process of royalties. The negligence of the debtor in committing roya or writing off the mortgage right after paying off the debt at the bank can result in the debtor being harmed. This research method uses normative legal research using a statutory approach. Based on the results of the study, it was found that the nature or meaning of roya is regulated based on Article 18 paragraph (1) of Law Number 4 of 1996 concerning Mortgage Rights on Land and Objects Related to Land requiring that mortgage rights be carried out at Regency/City Land Offices. The legal consequences in the roya settlement process include causing fines for taking Credit Principal Documents at the time of repayment of debt at the bank if there is a delay, the mortgage guarantee still has the status of being a debt guarantee at the Bank and has not fully become property. The results of the analysis of this study indicate that roya is essentially an important document that has an important role with its main benefit being proof of the mortgage debt of the house or land taken. In accordance with the Mortgage Law regulations, it is explained that with the existence of roya, it proves the existence of a legal certainty that the debt agreement period that has occurred between the creditor and the debtor has expired. Keywords: credit; mortgage right; roya Penelitian ini bertujuan untuk mengetahui hakikat atau makna roya diatur dan mengetahui akibat hukum dalam proses penyelesaian roya. Adanya kelalaian dari debitur dalam melakukan roya atau pencoretan hak tanggungan setelah pelunasan hutang di bank dapat mengakibatkan debitur dirugikan. Metode penelitian ini menggunakan penelitian hukum normatif dengan menggunakan pendekatan perundang-undangan. Berdasarkan hasil penelitian diperoleh bahwa hakikat atau makna roya diatur berdasarkan Pasal 18 ayat (1) Undang-Undang Nomor 4 tahun 1996 tentang Hak Tanggungan atas Tanah Beserta Benda-Benda yang Berkaitan dengan Tanah mengharuskan dilakukan roya terhadap hak tanggungan pada Kantor Pertanahan Kabupaten/Kota. Akibat hukum dalam proses penyelesaian roya yaitu diantaranya menimbulkan denda pengambilan Dokumen Pokok Kredit pada saat pelunasan hutang di bank apabila terjadi keterlambatan, jaminan hak tanggungan masih berstatus menjadi jaminan hutang di Bank dan belum sepenuhnya menjadi hak milik. Hasil analisis dari penelitian ini menunjukkan bahwa roya pada hakikatnya merupakan sebuah dokumen penting yang memiliki peran penting dengan manfaat utamanya ialah sebagai bukti beban hutang kredit rumah atau tanah yang diambil. Sesuai peraturan Undang-Undang Hak Tanggungan dijelaskan bahwa dengan adanya roya, membuktikan adanya suatu kepastian hukum bahwa sudah berakhirnya masa perjanjian hutang piutang yang terjadi antara kreditur dengan debitur.

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