Legal Protection of Creditors in Credit Agreements with Collateralized Mortgage Rights

Abstract

The stability of an advanced national economy is always supported by the development of a healthy business world, and a healthy business world must have finances that are able to maintain business stability. However, when the business world will develop and maintain its business, it is often faced with capital problems or does not have sufficient finance to support the development of its business. This research is a normative legal research. Credit agreements with land rights collateral must be made by making an encumbrance agreement accompanied by a promise to provide collateral.  To obtain legal force for the provision of collateral, the provision of collateral must be registered at the Land Registry Office. If the encumbrance of a mortgage is not registered at the Land Registry Office, the mortgage does not create a property right, which has the nature of droit de suite (a right that follows the object).