Legal Protection for Creditors in Credit Bank Agreement with Guarantee on the Liability Rights that have not been Officialy Registered

Abstract

Protection and provision of legal certainty that is balanced in Act Mortgage given to creditors, debtors, and Giver Mortgage and Third Party. It can be seen from the statement that the Mortgage has the characteristics as the right material, the which can be defended against third parties, always follow the object in the hands of whoever it was (Droit de Suite), an easy and sure execution of execution , as well as giving the position of preferred (preferent) to creditors. Before the enactment of Law Mortgage, implementation Mortgages in practice rarely the parties to take immediate manufacture of the Deed of Mortgage, almost always happens is Making Powerful Charge / install Mortgages for various s good, Among others, that the process of signing the Deed of Mortgage to the issuance of a Certificate of Mortgage takes old with a fairly high cost, and The Bank already knows Debtor well feel no need to do the loading directly Because they feel quite safe, and what happens is that the loading only after the symptoms of the Debtor in default / breach of contract with all its consequences.

Key Words: legal protection, credit agreement, mortgage