Implementation Of The Sale And Purchase Of Residential Housing Settlement Through Subrogation

Anita Oktapiani; I Ketut Oka Setiawan

doi:10.55227/ijhess.v5i2.1863

Authors

Anita Oktapiani Universitas Pancasila
I Ketut Oka Setiawan Universitas Pancasila

DOI:

https://doi.org/10.55227/ijhess.v5i2.1863

Keywords:

Sale and purchase, Subrogation, Land Rights

Abstract

Buying and selling activities are routines that people do in their daily lives, it can be done anywhere, especially in the business world, both buying and selling goods and services. Everyone has the right to buy anything and vice versa everyone can sell anything according to their needs. However, in the Civil Code limits what can and what can not be traded as contained in Section 1320 In this study using normative research methods. Settlement of receivables through subrogation in case the debtor fails to pay, the developer will provide warnings to the debtor. The method used in this study is the normative legal research method. Normative research is a method used to answer a problem by focusing on the application of legal principles and doctrines, which are then expected to produce a legal theory or concept that can be used as a guideline or answer to the problem being studied. Implementation procedures for the sale and purchase of residential housing settlement through subrogation is a process by which a third party (usually a financial institution such as a bank or financing institution) pays off the seller's debt to the previous creditor (usually the bank holding the mortgage on the house), then takes over the right to collect or guarantee it from the old creditor. Process often occurs in the sale and purchase of houses that are still in credit status or not yet paid. This effort is done before making further legal efforts and it is important to be done by the developer to confirm that the debtor's House has become property rights for the developer. Another effort is that the developer notifies the debtor to immediately vacate or execute the House. The Bank carries out subrogation of the House does not return the return of the house that has been paid by the debtor either what has been paid as a down payment and installment of the house ownership credit to the bank. The debtor feels aggrieved by this which makes a dispute with the developer. Dispute resolution can be resolved by filing a lawsuit at the Indonesian National Arbitration Board (BANI) and negotiations between the developer and the debtor to reach consensus.

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