Rabu, 04 Februari 2009

Kredit Bank...Jaminannya di SKMHT, APHT dan Fidusia

By: Arigawa

di Bank tempat kita untuk menabung, tempat kita menyimpan uang dalam bentuk tabungan dan deposito...tapi sekarang ini banyak kegiatan lainnya seperti tranfer, bayar online dan masih banyak lagi deh.
Nah salah satu nya juga bank dapat kita pinjam uang untuk modal usaha. Bank juga melempar produknya yaitu salah satunya kredit atau pinjaman. Untuk itu bagi yang meminjam kredit pinjaman yang disebut dengan debitur harus melengkapi persyaratannya dalam memperoleh pinjaman modal dari bank. Salah satunya jaminan. Jaminan dapat berupa tanah/ rumah, mobil dll. (Khusus mobil dengan kategori benda bergerak diikat dengan Fidusia). Dalam tulisan saya ini saya hanya menfokus pada SKMHT dan APHT.
Surat Kuasa Memasang Hak Tanggungan (SKMHT) dalam pemberian Kredit dilaksanakan dalam upaya penyelamatan dan penyelesaian jika terjadi kredit macet.
Praktek pemberian kredit perbankan sekarang ini sering menuntut adanya jaminan khususnya Hak Tanggungan (HT) dari debitor untuk menjamin pelunasan hutang. Dalam pembebanan HT wajib dilakukan sendiri oleh pemberi HT, hanya apabila benar-benar diperlukan dan apabila tidak dapat hadir di hadapan PPAT dapat menggunakan SKMHT dan surat kuasa tersebut harus diberikan langsung oleh pemberi HT dan harus memenuhi persyaratan yang telah ditetapkan. Kenyataannya terdapat kendala dalam menerapkan fungsi dan kedudukan SKMHT sesuai dengan ketentuan yang diatur dalam Undang-Undang Hak Tanggungan No.4 Tahun 1996. Yang menjadi permasalahan bagaimanakah fungsi dan kedudukan surat kuasa membebankan Hak Tanggungan dan dalam perjanjian kredit setelah berlakunya Undang-Undang Hak Tanggungan, hambatan-hambatan dalam pelaksanaan membuat akta pemberian Hak Tanggungan sesudah dibuat Surat Kuasa Membebankan Hak Tanggungan dalam praktek perbankan dan bagaimanakah jika terjadi kredit macet sebelum jangka waktu Surat Kuasa Membebankan Hak Tanggungan berakhir.
SKMHT dibuat untuk pihak debitor yang tidak dapat hadir nantinya pada saat penandatanganan APHT, serta untuk mengantisipasi tidak jelasnya status tanah yang akan dijadikan objek Hak Tanggungan. Tidak jelasnya status tanah karena tanah tersebut belum bersertifikat dan karena hampir habis jangka waktunya. SKMHT merupakan proses atau tahap menuju pembuatan APHT, dimana SKMHT tersebut hanya merupakan lembaga kuasa dan bukan sebagai lembaga jaminan dalam pelunasan suatu kredit, Berarti SKMHT tidak memberikan kedudukan apapun kepada pihak bank sebagai kreditor. Hambatan hambatan yang timbul pada saat menindak lanjuti SKMHT menjadi APHT yaitu jangka waktu yang singkat dan biaya yang mahal khususnya terhadap objek SKMHT maupun APHT yang belum bersertifikat. Hambatan yang terjadi dalam perbuatan hukum ini yaitu adanya cidera janji. Namun apabila debitor sama sekali tidak mampu lagi mengembalikan pinjamannya setelah diberi kesempatan ataupun keringanan dari pihak Bank maka berdasarkan SKMHT tersebut dilanjuti dengan pembuatan APHT dan segera didaftarkan ke Kantor BPN setempat dengan tujuan memperoleh kepastian jaminan pelunasan hutang dari si debitor tersebut. Bank lebih hati hati dan bijaksana dalam memberikan kredit dengan penggunaan SKMHT, dimana kedudukan Bank tidaklah begitu aman dalam hal pelunasan kredit yang diberikannya kepada debitor. Hal itu dikarenakan SKMHT bukanlah lembaga jaminan tapi semata mata sebagai lembaga kuasa yang belum memberikan kedudukan yang pasti sebagai kreditor preferen.

50 komentar:

  1. Mas Mau tanya, apakah setiap pengajuan kredit rumah (KPR) harus ada biaya APHT + SKMHT . ? terima kasih sarannya.

    BalasHapus
    Balasan
    1. Sebenar nya itu tdk ada, yang ada itu di ikat pake ppjb kum, perjanjian jual beli sama kuasa untuk menjual ..btn itu tdk mengeluarkan skmht atau apht dalam kpr

      Hapus
    2. Mau tanya,, apakah skmht atau apht, dpt dibuat dimana posisinya masih ppjb atau sertifikat yg masih induk atau belum pecah?

      Hapus
  2. Hi, the whole thing is going perfectly here and ofcourse every one is sharing facts, that's truly good, keep up writing.

    my weblog ... handyvertrag ohne schufaauskunft
    Review my web page

    BalasHapus
  3. Hi there mates, its great post concerning educationand fully defined, keep it up
    all the time.

    Take a look at my weblog; günstige kredite für selbstständige
    My web blog :

    BalasHapus
  4. It's very effortless to find out any topic on web as compared to books, as I found this article at this website.
    Also visit my website : bettwäsche outlet online

    BalasHapus
  5. It's a shame you don't have a donate button! I'd definitely donate to this excellent blog! I guess for now i'll settle for
    bookmarking and adding your RSS feed to my Google account.
    I look forward to new updates and will talk about this site with my Facebook group.
    Chat soon!
    Here is my webpage :: schufa online beantragen

    BalasHapus
  6. I believe that is one of the such a lot significant info
    for me. And i'm glad reading your article. However want to remark on some normal issues, The website taste is perfect, the articles is in point of fact excellent : D. Excellent job, cheers
    Feel free to surf my webpage :: mortgage lenders for bad credit

    BalasHapus
  7. I am curious to find out what blog platform you are
    working with? I'm having some minor security issues with my latest website and I would like to find something more safe. Do you have any recommendations?
    Look into my homepage : auslandskrankenversicherung vergleich

    BalasHapus
  8. Undeniably believe that which you stated. Your favourite justification appeared to
    be on the internet the easiest thing to take note of.
    I say to you, I certainly get annoyed at the same
    time as other folks consider concerns that they plainly don't understand about. You controlled to hit the nail upon the highest as well as defined out the whole thing with no need side-effects , other people can take a signal. Will likely be again to get more. Thank you
    Here is my website : Schuh outlet online

    BalasHapus
  9. Generally I do not learn article on blogs, however I would like to say that this write-up very compelled me to try and do it!
    Your writing taste has been surprised me. Thank you, quite great post.
    Check out my blog ... More about the author

    BalasHapus
  10. What i do not realize is actually how you're no longer actually much more neatly-preferred than you might be now. You're so intelligent.

    You understand thus considerably in relation to this topic, made me in my view consider it
    from so many numerous angles. Its like women and men aren't fascinated except it is one thing to do with Lady gaga! Your individual stuffs great. Always deal with it up!
    Feel free to surf my web page :: ideas for new businesses

    BalasHapus
  11. Very good site you have here but I was wanting to know if
    you knew of any forums that cover the same topics talked about here?
    I'd really like to be a part of online community where I can get comments from other knowledgeable individuals that share the same interest. If you have any suggestions, please let me know. Kudos!
    Also visit my blog ; home improvement loan

    BalasHapus
  12. Great delivery. Solid arguments. Keep up the good work.


    my blog; Read the Full Posting
    Also visit my homepage ; click through the next site

    BalasHapus
  13. Keep this going please, great job!
    my page > private kreditgeber ohne Schufa

    BalasHapus
  14. It's awesome to pay a visit this web page and reading the views of all friends regarding this paragraph, while I am also zealous of getting know-how.
    Feel free to visit my web site in hosting

    BalasHapus
  15. Hi there just wanted to give you a quick
    heads up and let you know a few of the images aren't loading correctly. I'm not sure why but I think its a linking issue.
    I've tried it in two different internet browsers and both show the same outcome.
    Here is my web page - bad credit home loan refinance

    BalasHapus
  16. Great article. I am facing many of these issues as well.
    .

    my web blog - Stay At Home Internet Jobs

    BalasHapus
  17. continuously i used to read smaller articles or
    reviews that also clear their motive, and that is
    also happening with this paragraph which I am reading now.


    My site :: privat krankenkasse vergleich

    BalasHapus
  18. Very energetic blog, I loved that bit. Will there be a part 2?


    Check out my weblog private studentenversicherung

    BalasHapus
  19. Hey, I think your blog might be having browser compatibility issues.
    When I look at your website in Chrome, it looks fine but
    when opening in Internet Explorer, it has some overlapping.

    I just wanted to give you a quick heads up! Other then that, superb blog!



    Here is my web blog ... ideas for entrepreneurs

    BalasHapus
  20. Thank you for another informative site. The place else may
    I get that kind of info written in such a perfect approach?
    I have a challenge that I'm simply now working on, and I've been at the
    glance out for such info.

    Here is my web page :: krankengeld private krankenversicherung

    BalasHapus
  21. Howdy! This is my 1st comment here so I just wanted
    to give a quick shout out and say I truly enjoy reading through your posts.
    Can you recommend any other blogs/websites/forums
    that go over the same subjects? Many thanks!



    Here is my blog ... wechsel innerhalb der privaten krankenversicherung

    BalasHapus
  22. Hey! I know this is kinda off topic nevertheless I'd figured I'd ask.
    Would you be interested in trading links or maybe guest writing a blog post or vice-versa?
    My site discusses a lot of the same subjects as yours and I feel we could greatly benefit from each other.
    If you're interested feel free to shoot me an e-mail. I look forward to hearing from you! Fantastic blog by the way!

    Here is my webpage: how to get a mortgage loan with bad credit

    BalasHapus
  23. Appreciate this post. Let me try it out.

    Check out my weblog; business and ideas

    BalasHapus
  24. Hello every one, here every one is sharing such know-how,
    therefore it's pleasant to read this web site, and I used to go to see this web site everyday.

    My weblog ... eine Private krankenversicherung
    my webpage :: basistarif der pkv

    BalasHapus
  25. I'm really enjoying the design and layout of your site. It's a very easy on the eyes which makes it
    much more enjoyable for me to come here and visit more often.
    Did you hire out a designer to create your theme? Superb work!


    Also visit my webpage; zusatzkrankenversicherung

    BalasHapus
  26. Fantastic items from you, man. I've have in mind your stuff prior to and you're
    simply too great. I really like what you have acquired here, really like what
    you're saying and the way in which by which you are saying it. You make it entertaining and you continue to care for to stay it wise. I can not wait to learn far more from you. This is actually a terrific web site.

    Here is my blog; best hosting services web
    Also see my site: coldfusion reseller hosting

    BalasHapus
  27. Hi my family member! I want to say that this post
    is awesome, great written and include approximately all important infos.
    I would like to look extra posts like this .

    My webpage :: kreditkarte mit schufa

    BalasHapus
  28. I know this website offers quality based articles or reviews and other stuff, is there
    any other web page which gives these things in quality?


    Have a look at my web blog - starting a business

    BalasHapus
  29. Hello, this weekend is good in support of me, as this occasion i am reading this great informative article
    here at my house.

    Visit my homepage: arbeitgeberzuschuss private krankenversicherung

    BalasHapus
  30. Ahaa, its nice conversation regarding this piece of writing here at this webpage, I have read
    all that, so now me also commenting here.

    Feel free to surf to my web-site Search engine Optimization rates

    BalasHapus
  31. Thanks for your personal marvelous posting! I certainly
    enjoyed reading it, you will be a great
    author.I will remember to bookmark your blog and
    will often come back from now on. I want to encourage you continue your great posts, have a nice evening!



    Here is my web-site :: click through the following web site

    BalasHapus
  32. I constantly emailed this weblog post page to all my
    associates, because if like to read it then my links will too.


    Feel free to visit my page - Email Console

    BalasHapus
  33. Paragraph writing is also a excitement, if you know after that you can write or else it is complicated to write.


    Check out my blog post - Click Through The Following Website Page

    BalasHapus
  34. This is my first time go to see at here and i am actually impressed to read all at one place.


    My weblog ... Google Affiliate

    BalasHapus
  35. Fascinating blog! Is your theme custom made or did you download
    it from somewhere? A theme like yours with a few simple tweeks would really make
    my blog stand out. Please let me know where you got your theme.
    Kudos

    Feel free to surf to my website: kredit schufafrei seriös

    BalasHapus
  36. Hmm it appears like your website ate my first comment (it was super long) so I guess I'll just sum it up what I submitted and say, I'm
    thoroughly enjoying your blog. I as well am an aspiring blog blogger but
    I'm still new to everything. Do you have any helpful hints for inexperienced blog writers? I'd definitely appreciate it.


    my weblog consolidating private student loans

    BalasHapus
  37. My ѕpouse and I absolutely lοve your blog and fіnd nearly all
    of уοur post's to be precisely what I'm loоκing fοr.
    Does οne offer guest writerѕ to wrіte сontent to suіt yоuг needs?

    I wouldn't mind writing a post or elaborating on some of the subjects you write about here. Again, awesome website!

    Also visit my website :: get no Hands seo

    BalasHapus
  38. Wonderful blog! I found it while searching on Yahoo News.
    Do you have any tips on how to get listed in
    Yahoo News? I've been trying for a while but I never seem to get there! Thank you

    my web page - making money online

    BalasHapus
  39. Everything is very open with a really clear description of the challenges.
    It was definitely informative. Your site is extremely helpful.

    Thanks for sharing!

    my web-site; easy startup business ideas

    BalasHapus
  40. What's up, after reading this awesome article i am as well delighted to share my know-how here with mates.

    My web site article kevo vs Article marketing robot

    BalasHapus
  41. great submit, very informative. I ponder why the other experts of this sector don't realize this. You must proceed your writing. I'm confident, you have a huge readers' base already!

    My web-site :: the best reseller hosting

    BalasHapus
  42. bookmarked!!, I like your blog!

    Here is my homepage - kv für studenten

    BalasHapus
  43. I’m not that much of a internet reader to be honest but your sites
    really nice, keep it up! I'll go ahead and bookmark your website to come back later. Many thanks

    Look into my site :: Small Business Opportunity

    BalasHapus
  44. Hi everybody, here every one is sharing such know-how, so it's good to read this website, and I used to go to see this web site every day.

    Look at my web page :: pkv für beamte

    BalasHapus
  45. I am diverting with this content and I think I'll benefit from this content. give thanks you very considerably

    Also visit my blog post; Peter

    BalasHapus
  46. Wow! Thank you! I usually wanted to create one thing on my
    web-site. I take part of your post in my diary?


    Also visit my web page - krankenversicherung private krankenversicherung

    BalasHapus
  47. Hello,
    Ini adalah untuk memaklumkan kepada orang ramai bahawa Puan Esther Veritas, pemberi pinjaman swasta telah membuka peluang kewangan untuk semua orang yang memerlukan apa-apa bantuan kewangan. Kami memberi pinjaman pada kadar faedah 2% kepada individu, firma-firma dan syarikat-syarikat di bawah terma dan syarat yang jelas dan mudah difahami. hubungi hari ini kami melalui e- mel di : ( estherveritas@gmail.com )

    DATA PEMINJAM 'S
    1) Nama Penuh : .......................................................
    2 ) Negara: ...........................................................
    3) Alamat : ..........................................................
    4) Negeri : ..............................................................
    5 ) Seks : ................................................................
    6) Status Perkahwinan: .................................................
    7) Pekerjaan: .....................................................
    8) Nombor Telefon : ................................................
    9) kedudukan masa ini di tempat kerja: .....................
    10 ) Pendapatan Bulanan: .............................................
    11) Jumlah Pinjaman Diperlukan : .....................................
    12) Tempoh Pinjaman : ................................................
    13) Tujuan Pinjaman : ............................................
    14) Agama: ........................................................
    15) Pernahkah anda memohon sebelum .................................

    terima kasih,
    Puan Esther

    BalasHapus
  48. Saya kredit dgn agunan sertpikat tanah.diikat dgn. APHT.Setelah Lunas sy ambil kredit lg dibank yg sama.ap diikat dgn APHT lagi

    BalasHapus

Oke oke oke