EFEKTIVITAS PELAKSANAAN UNDANG-UNDANG NOMOR 4 TAHUN 1996 TENTANG HAK TANGGUNGAN DALAM PELAKSANAAN PEMBERIAN KREDIT BANK

Abstract

Generally, bank lending is done by holding a treaty, and followed by an additional agreement in the form of a guarantee agreement by the debtor. Material that can be used as collateral include land on bail mortgage. If in the lending with collateral mortgage borrowers are in default, some settlement could be taken, they are: first, a peaceful settlement, include (1) Dispensation of interest and / or penalties arrears, (2) Sale of part or all of the collateral under hand by the debtor to repay debtors, (3) Acquisition of debtor's assets by the creditor. Second, settlement through legal means, among other (1) Through the District Court, (2) Through the State Property Office and Auction (KPKNL), (3) Under the hand sales upon mortgage object.