RESIKO KOVERNOT DAPAT MENJADI DASAR GUGATAN KEPADA NOTARIS

Abstract

One of the Bank's superior programs as a collector of public funds is the credit distribution program which is authorized to provide facilities to make it easier for the public to carry out their needs and provide excellent service quickly, precisely and safely to customers. The credit loan system is often associated with a guarantee of credit repayment from the debtor so that loans given by creditors have legal protection for the repayment of the credit, where the favorite collateral object for customers is land which can be encumbered with mortgage rights. their rights are in accordance with the provisions of the Basic Agrarian Law which provides special privileges to creditors. It is also possible that in terms of granting credit by the Bank there are several Mortgage Guarantee requirements that have not been fulfilled. Often the land that will be used as collateral may still be in the process of certification or name transfer, so the Notary/PPAT will help the prospective debtor to convince the Bank by issuing a cover note to the Bank containing the Notary/PPAT's statement that the certification or name transfer process is underway for the land. However, there are legal risks faced by notaries in issuing cover notes, such as lawsuits between debtors and banks involving notaries because cover notes are considered not to be a legal product due to Law Number 2 of 2014 concerning Amendments to Law Number 30 of 2004 concerning Law. . Position of Notary, No. There is an article that regulates the obligations of a Notary in issuing a cover note. So the cover note issued by the notary is first reported and processed at the Regional Supervisory Council and a decision is made whether there is a problem or not in accordance with its authority, it does not have to be immediately taken to court because apart from disrupting the notary's operations. The position of the notary who issues the cover note will also have an impact on the flow of the process. issuance of Mortgage Rights Deed.

ABSTRAK

Salah satu program unggulan Bank sebagai penghimpun dana masyarakat yaitu program peminjaman kredit yang berwenang memberikan fasilitas memudahkan orang untuk menjalankan kebutuhannya dan memberikan pelayanan prima secara cepat, akurat dan aman kepada nasabah. Sistem pinjaman kredit sering dikaitkan dengan jaminan pelunasan kredit dari debitur agar pinjaman yang diberikan kreditur mempunyai perlindungan hukum atas pelunasan kredit tersebut, dimana objek jaminan favorit para nasabah yaitu tanah yang dapat dibebani hak tanggungan sesuai ketentuan Undang-Undang Pokok Agraria yang memberikan hak istimewa kepada kreditur. Tidak tertutup kemungkinan dalam hal pemberian kredit oleh Bank, terdapat beberapa persyaratan penjaminan Hak Tanggungan tersebut yang belum terpenuhi. Seringkali tanah yang akan dijaminkan kemungkinan masih dalam proses pensertifikatan atau proses balik nama, maka Notaris/PPAT akan membantu calon debitur untuk meyakinkan Bank dengan mengeluarkan kovernot kepada Bank yang berisi pernyataan Notaris/PPAT bahwa sedang terjadi proses pensertipikatan atau balik nama atas suatu tanah. Namun terdapat resiko hukum yang dihadapi notaris dalam mengeluarkan kovernot seperti gugatan antara debitur dengan Bank yang melibatkan notaris tersebut karena kovernot dianggap bukan merupakan produk hukum akibat Undang-Undang Nomor 2 Tahun 2014 tentang Perubahan atas Undang-Undang Nomor 30 Tahun 2004 tentang Jabatan Notaris, tidak ada pasal yang dapat mengatur Notaris berkewajiban mengeluarkan kovernot. Maka kovernot yang diterbitkan notaris terlebih dahulu dilaporkan dan diproses di Majelis Pengawas Daerah serta memberikan keputusan apakah memang bermasalah atau tidak sesuai dengan kewenangannya, tidak harus langsung dibawa ke gugatan peradilan karena selain akan mengganggu kedudukan jabatan notaris yang mengeluarkan kovernot tersebut juga akan berdampak pada alur proses penerbitan Akta Hak Tanggungan tersebut.