Analisis Yuridis Perjanjian Hak Tanggungan Sebagai Jaminan Kredit Perbankkan Perspektif Undang-Undang Nomor 4 Tahun 1996 Tentang Hak Tanggungan Atas Tanah Beserta Benda-Benda Yang Berkaitan Dengan Tanah

This research is motivated by the number of agreements made that are not based on the prevailing norms, the result of the non-conformity makes the agreement a formal and material defect, thus the agreement is considered invalid. In this study, the focus is on the Mortgage agreement as collateral for a credit agreement where in order to be used as the basis for a legal relationship, the agreement must be in accordance with applicable norms. In addition, this research also discusses the settlement of defaults, especially bad debts that usually occur. Therefore, the purpose of this study is to determine whether the Mortgage Agreement for credit guarantees is in accordance with applicable regulations in Indonesia or not, and to find out the settlement of bad credit with guarantees of Mortgage Rights. The research method used is a normative juridical research method. The type of research used is descriptive legal research. From the results of research, everything and procedures from the settlement and implementation of the Mortgage agreement to be used as collateral. Credit agreements use two laws, namely, Law Number 4 of 1996 concerning Mortgage Rights on Land and objects related to land and also Act Number 10 of 1998 concerning Banking. The conclusion of this research is the suitability and in accordance with the prevailing norms, the procedures for making agreements and the articles contained in the agreement are in accordance with what is meant by law and also the settlement of bad credit by means of execution which can be carried out by the auction house and also execution under hand