KEABSAHAN BUY BACK GUARANTEE DALAM PEMBELIAN RUMAH MELALUI FASILITAS KREDIT PEMILIKAN RUMAH

Abstract

Fasilitas Kredit Pemilikan Rumah adalah salah satu pembiayaan yang paling banyak digunakan masyarakat terutama kelas menengah ke bawah dalam membeli rumah. Untuk menghindari resiko wanprestasi, Bank selaku pemberi kredit melakukan perjanjian Buy Back Guarantee dengan developer dengan tujuan ketika debitur wanprestasi maka developer akan membeli kembali objek tersebut. Namun, banyak permasalahan yang timbul akibat dari pelaksanaan dan eksekusi terhadap objek Buy Back Guarantee tersebut. Tujuan studi ini untuk mengkaji dan menganalisis terkait keabsahan pelaksanaan Buy Back Guarantee dan upaya penyelesaian sengketanya. Studi ini menggunakan metode penelitian hukum normatif dengan pendekatan perundang-undangan dan putusan. Hasil studi menunjukkan bahwa pelaksanaan Buy Back Guarantee sah apabila dilakukan sesuai dengan ketentuan yang berlaku dan perjanjian-perjanjian yang dibuat yang berkaitan dengan pelaksanaan Buy Back Guarantee sah dan dibuat dihadapan Notaris. Adapun penyelesaian sengketa dapat dilakukan melalui jalur litigasi dan non-litigasi. Jalur litigasi dapat ditempuh melalui pengadilan, dan non litigasi dapat dilakukan melalui Alternatif Penyelesaian Sengketa yaitu arbitrasi, negosiasi, ataupun mediasi.

The House Ownership Credit Facility is one of the most widely used financing facilities for the community, especially the lower middle class, when buying a house. To avoid the risk of default, the Bank as the lender enters into a Buy Back Guarantee agreement with the developer with the aim that when the debtor defaults, the developer will buy back the object. However, many problems arise as a result of the implementation and execution of the Buy Back Guarantee object. The purpose of this study is to examine and analyze the validity of the implementation of the Buy Back Guarantee and efforts to resolve disputes. This study uses a normative legal research method with a statutory and decision approach. The results of the study show that the implementation of the Buy Back Guarantee is valid if it is carried out in accordance with applicable regulations and the agreements made related to the implementation of the Buy Back Guarantee are legal and made before a Notary. The settlement of disputes can be done through litigation and non-litigation. The litigation route can be taken through the courts, and non-litigation can be carried out through Alternative Dispute Resolution, namely arbitration, negotiation or mediation.