在债务人出现不良信用之前签署绝对出售授权书的法律后果

Tiyas Putri Megawati, Aulia Dwi Ramadhanti, Faizah Nur Fahmida
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引用次数: 0

摘要

在签订信贷协议后,总是要提供担保,其中之一是附有从属权利的土地,或授予债务人向债权人出售的委托书。根据内政部长关于禁止使用绝对授权书的第 14/1982 号指示,明确禁止签署不附带终止条款和条件且包含绝对条款的无条件出售授权书。这将在未来带来风险,尤其是对债务人而言。在现实中,一开始就与信贷协议一起签署销售授权书的情况仍然普遍存在。在本研究中,作者使用规范法学方法或法律研究方法对该主题进行了研究。本研究的结论表明,在不良信贷发生之前签署绝对出售授权书会导致授权书无效,因为它不符合协议的客观要求之一,尤其是《民法典》第 1320 条第(4)款中关于合法原因的规定。就绝对出售授权而言,债务人有权获得预防性或压制性的法律保护。关键词:绝对出售授权书、法律后果、不良贷款 (NPL)
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Akibat Hukum Penandatanganan Surat Kuasa Jual Mutlak Sebelum Debitor Mengalami Kredit Macet
Credit Agreements are always followed by the provision of guarantees, one of which is land that charged with Dependent Rights or by granting Power of Attorney to Sell from Debtors to Creditors. Referring to the Instruction of the Minister of Home Affairs Number 14/1982 about the Prohibition of the Use of Absolute Power of Attorney, the signing of a Power of Attorney to Sell that made unconditional without terms and condition about discontinuation and contain absolute clauses is expressly prohibited. This opens up risk opportunities in the future, especially for the Debtor. In reality, the signing of a Power of Attorney to Sell in conjunction with credit agreement at the beginning is still widely found. In this study, the author examines the topic using normative juridical methods or legal research. The conclusion of this study shows that the signing of the Absolute Power of Attorney to Sell at the beginning before a bad credit occurs causes the power of attorney being null and void, because it doesn't meet one of the objective requirements of the agreement, especially about a lawful cause as in Article 1320 paragraph (4) of the Civil Code. In terms of the Absolute Power of Attorney to Sell, the Debtor entitled legal protection both in preventive or repressive ways. KEYWORDS : Absolute Power of Attorney to Sell, Legal Consequences, Non-Perfoming Loan (NPL)
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