Kata Pengantar

Abstract

Credit home equity loan are loans given by banks to customers for purchase of land and / or buildings owned in order to pay installments to the bank mortgage lenders. this study has the objectives to determine the effect of take over contract of credit home equity loans in unauthentic deeds towards the legitimacy of credit home loans house ownership and the legal protections that may be applied to the parties of the take over credit contract. The result of research indicate that take over contract of credit home equity loans in unauthentic deeds only applies to the parties that made the agreement, in this case the seller and the buyer, whereby the bank will only acknowledge the seller as the legitimate bank debtor, thus, the buyer as the recipient of the take over credit will not obtain an adequate legal protection. Moreover, a notary has the obligation to recommend, suggestions and inputs for the seller as well as the buyer with the intention that the take over credit contract is produced through means of authentic certification..