Transaksi Jual Beli Satuan Rumah Susun Melalui Sistem Pre Project Selling (Studi Pada Kantor Wilayah IV PT Bank Tabungan Negara, Persero Tbk)

Befry Sembiring, Dr. R.A. Antari Innaka Turingsih, S.H., M.H.

2023 | Tesis | S2 Magister Hukum

Penelitian ini bertujuan untuk mengkaji dan menganalisis mengenai legalitas transaksi jual beli atas satuan rumah susun melalui Sistem Pre Project Selling serta perlindungan hukum terhadap pemegang hak milik atas satuan rumah susun, dalam rangka transaksi jual beli rumah susun, terutama mengetahui Penelitian hukum ini menjelaskan mengenai bagaimana praktiknya melalui pemasaran melalui pre project selling rumah susun melalui perbankan khususnya di Kantor Wilayah IV PT Bank Tabungan Negara, Persero Tbk.

Metode penelitian yang digunakan dalam penelitian hukum ini adalah normatif empiris. Metode penelitian normatif digunakan untuk menggali lebih dalam mengenai pelindungan hukum terhadap pemegang hak milik atas satuan rumah susun dan pertanggung jawaban dari pihak bank maupun pengembang (developer) dengan adanya hubungan hak dan kewajiban berdasarkan perjanjian kredit serta pemasaran melalui sistem pre project selling. Penelitian empiris dalam hal mengetahui secara langsung calon pemegang hak milik atas satuan rumah susun yang melakukan transaksi jual beli baik melalui pengembang maupun melalui prosedur pengajuan kredit kepemilikan apartemen melalui perbankan yaitu di Kantor Wilayah IV PT Bank Tabungan Negara, Persero Tbk . Analisis data pada penelitian ini menggunakan metode deskriptif yaitu menjelaskan dan menggambarkan hasil penelitian yang didapat dari kepustakaan dan lapangan yang telah dilakukan.

Berdasarkan hasil penelitian ini menunjukan bahwa  pelindungan hukum bagi pemegang hak milik atas satuan rumah susun secara prinsip, keberadaan PP Nomor 12/2021 telah mengakomodasi kebutuhan konsumen dalam memenuhi haknya saat hendak melakukan transaksi jual beli rumah dengan sistem pre project selling. Upaya preventif pemerintah dengan memperkuat tanggung jawab (product liability) pihak developer sebagai bagian dari kewajiban yang mengikat developer dalam kegiatan berusahanya. Tujuannya tidak lain agar pihak developer selalu bersikap hati-hati dalam memproduksi atau menghasilkan barang/jasa sebelum dipasarkan kepada konsumen khususnya nasabah di bank BTN.

This thesis discusses and research aims to examine and analyze the legality of buying and selling transactions for apartment units through the Pre Project Selling System as well as legal protection for holders of ownership rights to condominium units, in the context of buying and selling condominium units, especially knowing this legal research explains how it is practiced. through marketing through pre-project selling of flats through banking, especially at the Regional IV Office of PT Bank Tabungan Negara, Persero Tbk.

The research method used in this legal research is normative empirical. Normative research methods are used to dig deeper into legal protection for property rights holders of apartment units and the responsibilities of banks and developers with the relationship between rights and obligations based on credit agreements and marketing through a pre-project selling system. Empirical research in terms of directly knowing prospective owners of ownership rights to apartment units who carry out buying and selling transactions either through developers or through procedures for applying for apartment ownership credit through banking, namely at the Regional IV Office of PT Bank Tabungan Negara, Persero Tbk. Data analysis in this research uses a descriptive method, namely explaining and describing the research results obtained from the literature and the field that have been carried out.

   Based on the results of this research, it shows that legal protection for Based on the results of this research, it shows that in principle legal protection for property rights holders of apartment units, the existence of PP Number 12/2021 has accommodated the needs of consumers in fulfilling their rights when they want to carry out house buying and selling transactions using the pre-project selling system. The government's preventive efforts include strengthening the responsibility (product liability) of developers as part of the obligations that bind developers in their business activities. The aim is none other than for developers to always be careful in producing or producing goods/services before they are marketed to consumers, especially customers at bank BTN.

Kata Kunci : Pelindungan Hukum, Sistem Pre Project Selling, Rumah Susun, Nasabah PT Bank Tabungan Negara Persero, Tbk