THE ROLE OF THE NOTARY IN ENSURING LEGAL CERTAINTY IN THE TRANSFER OF MORTGAGE RIGHTS IN THE SALE AND PURCHASE OF RECEIVABLES THROUGH CESSION

Nasya Fajri Muthiah; Sri Widyawati

Authors

Nasya Fajri Muthiah
Sri Widyawati

Keywords:

Cession, Role of the Notary

Abstract

The transfer of receivables through cession secured by a Mortgage Right is normatively regulated as a transfer that results in the transfer of the Mortgage Right. However, its enforceability against third parties depends on the registration of the change of creditor in the land register at the Land Office. This provision emphasizes that although the transfer of receivables is valid under civil law, the Mortgage Right as a real security right cannot function effectively without fulfilling the registration requirement. This condition has implications for legal certainty for the new creditor, particularly in the execution of the Mortgage Right as collateral.

This study analyzes the role of the notary in ensuring the fulfillment of both formal and material requirements in the execution of a deed of cession over receivables secured by a Mortgage Right, as well as examining the legal consequences of a change of creditor that is not registered in the land register. The research employs a normative juridical method using statutory, doctrinal, and jurisprudential approaches. The findings indicate that the role of the notary lies in the preparation of a valid deed of cession and the provision of legal advice regarding the legal consequences of the transfer of receivables, including the implications of failing to register the change of creditor. Failure to register the change of creditor results in the ineffective transfer of the Mortgage Right as a real right and may potentially weaken legal protection for the new creditor in the execution of the Mortgage Right as collateral.

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