TRANSFER OF MORTGAGE RIGHTS DUE TO SUBROGATION

Lilawati Ginting

Abstract


Mortgage rights are security rights over land to guarantee repayment of debts by debtors to creditors. In the practice of debt agreements, there can be a transfer of receivables from the old creditor to a third party through a subrogation mechanism. Problems arise when the transferred receivables are guaranteed by mortgage rights, thus raising questions regarding the process of transferring mortgage rights to new creditors. This study aims to analyze the mechanism of transfer of mortgage rights due to subrogation according to positive law in Indonesia, the legal consequences for the parties after subrogation, and the obstacles and solutions in its implementation practice. This study uses a normative legal method with a statutory approach. The results of the study indicate that the transfer of mortgage rights through subrogation is in principle possible, but has not been explicitly regulated in Law Number 4 of 1996 or the Civil Code. Therefore, the transfer requires administrative action in the form of recording and renewing mortgage certificates to ensure legal certainty for new creditors and prevent potential disputes. It is necessary to reformulate norms and improve procedures so that the subrogation mechanism for mortgage rights can be implemented effectively and transparently.


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DOI: https://doi.org/10.3059/insis.v0i0.29423

DOI (PDF): https://doi.org/10.3059/insis.v0i0.29423.g14846

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