NOTARY FUNCTION IN TRANSFER OF SUBSIDIZED HOUSE OWNERSHIP CREDIT
DOI:
https://doi.org/10.56371/jirpl.v6i3.450Keywords:
Credit transfer, Subsidized housing, NotaryAbstract
Notary Notaries as public officials have an important role in ensuring legal certainty and protection in every agreement, including in the transfer of subsidized home ownership credit. Many credit transfers are carried out underhand, without the consent of the bank and without an authentic deed from the notary, thus creating legal uncertainty for new debtors who take over credit obligations. This study uses a normative legal research method with a statute approach, a conceptual approach, and a legal theory approach. The data used are secondary data in the form of primary, secondary, and tertiary legal materials which are analyzed qualitatively with descriptive analysis techniques. The results of the study show that: Notaries have the authority to make authentic deeds in the transfer of home ownership credit as regulated in Article 15 paragraph (1) of Law Number 2 of 2014 concerning Amendments to Law Number 30 of 2004 concerning the Position of Notary (UUJN). Credit transfers carried out without a notarial deed and without the bank's approval are not legally recognized and are only considered as underhand agreements that have limited evidentiary power, and the failure to involve a notary in the credit transfer process can have legal consequences for the parties, especially for new debtors who do not have a clear legal standing, and are at risk of losing their rights to the house they have paid for.
Downloads
References
Alfathania, R., & Gozali, D. S. (2025). SIGNING OF DEEDS CARRIED OUTSIDE THE AREA OF THE NOTARY’S OFFICE. JILPR Journal Indonesia Law and Policy Review, 6(3), 559–569. https://doi.org/10.56371/jirpl.v6i3.457
Adjie, H., & Sjaifurrachman. (2011). Aspek pertanggungjawaban notaris dalam pembuatan akta (p. 7). Bandung: Mandar Maju.
Hera Widjayanti. (2023). LEGAL PROTECTION OF CREDITORS RELATED TO COLLECTIVE RIGHTS ON LAND THAT HAVE NOT BEEN CERTIFIED AS A RESULT OF THE PROCESS OF REGISTRATION OF LAND RIGHTS HAS NOT BEEN COMPLETED. JILPR Journal Indonesia Law and Policy Review, 4(3), 174–180. https://doi.org/10.56371/jirpl.v4i3.148
Hermansyah. (2005). Hukum perbankan nasional Indonesia (Edisi revisi). Jakarta.
Kadir, M. A. (2000). Hukum perdata Indonesia (p. 23). Bandung: PT. Citra Aditya Bakti.
Putra, G. I., Hasanah, S., Jiwantara, F. A., & Septyanun, N. (2024). Enhancing the Jurisdiction of the Regional Notary Supervisory Council of West Nusa Tenggara Province in the Advancement and Oversight of Notaries. JILPR Journal Indonesia Law and Policy Review, 5(2), 310–321. https://doi.org/10.56371/jirpl.v5i2.210
Rahman, H. (1998). Aspek-aspek hukum pemberian kredit perbankan di Indonesia (Edisi revisi, p. 141). Bandung: PT. Citra Aditya Bakti.
Sari, E., Gozali, D. S., & Hafidah, N. (2024). Function Of Notary In The Appointment Of Extra-Marital Children As Testamento Heirs. JILPR Journal Indonesia Law and Policy Review, 5(2), 423–434. https://doi.org/10.56371/jirpl.v5i2.226
Soeroso, R. (2011). Perjanjian di bawah tangan: Pedoman praktis pembuatan dan aplikasi hukum (p. 6). Jakarta: Sinar Grafika.
Subekti, R. (1986). Jaminan-jaminan untuk pemberian kredit menurut hukum Indonesia (p. 13). Bandung: Alumni.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2025 Safna Wira Agisna Irnadya Mahreza, Djoni Sumardi Gozali

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.