{"id":5616,"date":"2026-11-07T15:00:54","date_gmt":"2026-11-07T15:00:54","guid":{"rendered":"https:\/\/zonaedu.id\/?p=5616"},"modified":"2026-11-07T15:00:54","modified_gmt":"2026-11-07T15:00:54","slug":"kesepakatan-kreditur-sebagai-dasar-hukum-dalam-perubahan-hak-milik-atas-tanah-yang-masih-terikat-hak-tanggungan-dari-perorangan-ke-badan-hukum","status":"publish","type":"post","link":"https:\/\/zonaedu.id\/index.php\/2026\/11\/07\/kesepakatan-kreditur-sebagai-dasar-hukum-dalam-perubahan-hak-milik-atas-tanah-yang-masih-terikat-hak-tanggungan-dari-perorangan-ke-badan-hukum\/","title":{"rendered":"KESEPAKATAN KREDITUR SEBAGAI DASAR HUKUM DALAM PERUBAHAN HAK MILIK ATAS TANAH YANG MASIH TERIKAT HAK TANGGUNGAN DARI PERORANGAN KE BADAN HUKUM"},"content":{"rendered":"

Guna <\/span>menjamin<\/span> adanya<\/span> kepastian<\/span> hukum<\/span> terhadap<\/span> perlindungan<\/span> hukum<\/span> bagi<\/span>kreditur<\/span> dari<\/span> penyimpangan<\/span> yang <\/span>dapat<\/span> dilakukan<\/span> debitur<\/span> ketika<\/span> melakukan<\/span> pengalihan<\/span>hak<\/span> milik<\/span> atas<\/span> tanah<\/span> sebagai<\/span> jaminan<\/span> HT <\/span>sebagai<\/span> bentuk<\/span> wanprestasi<\/span>, <\/span>maka<\/span> setelah<\/span>didaftarkan<\/span>, <\/span>objek<\/span> tanah<\/span> sebagai<\/span> jaminan<\/span> HT <\/span>kemudian<\/span> oleh Kantor BPN <\/span>dibuatkan<\/span>buku-tanah<\/span> Hak <\/span>Tanggungan<\/span> dan <\/span>BPN juga <\/span>mencatatnya<\/span> dalam<\/span> buku-tanah<\/span> hak<\/span> atas<\/span>tanah<\/span> yang <\/span>menjadi<\/span> obyek<\/span> Hak <\/span>Tanggungan<\/span> serta<\/span> menyalin<\/span> catatan<\/span> tersebut<\/span> pada <\/span>sertipikat<\/span> hak<\/span> a<\/span>tas<\/span> tanah<\/span> yang <\/span>bersangkutan<\/span>.<\/span><\/p>\n

Kedudukan<\/span> hak<\/span> kreditur<\/span> sebagai<\/span> pemegang<\/span> HT <\/span>atas<\/span> tanah<\/span> sebagai<\/span> jaminan<\/span> HT <\/span>melalui<\/span> lahirnya<\/span> HT yang <\/span>dibuat<\/span> oleh BPN <\/span>ini<\/span> kemudian<\/span> ditegaskan<\/span> kembali<\/span> dalam<\/span>Pasal 14 <\/span>ayat<\/span> (4) <\/span>Undang-Undang<\/span> Republik Indonesia <\/span>Nomor<\/span> 4 <\/span>Tahun<\/span> 1996 <\/span>Tentang<\/span>Hak <\/span>Tanggungan<\/span> Atas Tanah <\/span>Beserta<\/span> Benda-Benda Yang <\/span>Berkaitan<\/span> Dengan<\/span> Tanah<\/span>menyebutkan<\/span> bahwa<\/span> \u201c<\/span>k<\/span>ecuali<\/span> apabila<\/span> diperjanjikan<\/span> lain<\/span>, <\/span>sertipikat<\/span> hak<\/span> atas<\/span> tanah<\/span> yang <\/span>telah<\/span> dibubuhi<\/span> catatan<\/span> pembebanan<\/span> Hak <\/span>Tanggungan<\/span> sebagaimana<\/span> dimaksud<\/span> dalam<\/span>Pasal 13 <\/span>ayat<\/span> (3) <\/span>dikembalikan<\/span> kepada<\/span> pemegang<\/span> hak<\/span> atas<\/span> tanah<\/span> yang <\/span>bersangkutan<\/span>\u201d<\/span>.<\/span><\/p>\n

Berdasarkan<\/span> berbagai<\/span> penjelasan<\/span> yang <\/span>telah<\/span> dipaparkan<\/span> di <\/span>atas<\/span> dapat<\/span> dilihat<\/span>bahwasannya<\/span> debitur<\/span> tidak<\/span> dapat<\/span> melakukan<\/span> pendaftaran<\/span> pelepasan<\/span> hak<\/span> milik<\/span> atas<\/span> tanah<\/span>kepada<\/span> pihak<\/span> lain <\/span>termasuk<\/span> badan <\/span>hukum<\/span> tanpa<\/span> menyelesaikan<\/span> tanggungjawab<\/span>pelunasan<\/span> piutangnya<\/span> terlebih<\/span> dahulu<\/span> dalam<\/span> kepada<\/span> kreditur<\/span> yang <\/span>telah<\/span> diperjanjikan<\/span>olehnya<\/span> dalam<\/span> perjanjian<\/span> HT. <\/span>hal<\/span> ini<\/span> dikarenakan<\/span>:<\/span><\/p>\n

1. <\/span>Berdasarkan<\/span> Pasal 7 dan <\/span>penjelasan<\/span> Pasal 7 <\/span>Undang-Undang<\/span> Republik Indonesia <\/span>Nomor<\/span> 4 <\/span>Tahun<\/span> 1996 <\/span>Tentang<\/span> Hak <\/span>Tanggungan<\/span> Atas Tanah <\/span>Beserta<\/span> Benda-Benda Yang <\/span>Berkaitan<\/span> Dengan<\/span> Tanah<\/span> terlihat<\/span> bahwa<\/span> pasca<\/span> terbitnya<\/span> HT yang <\/span>diterbitkan<\/span>oleh BPN, <\/span>hak<\/span> kreditur<\/span> melekat<\/span> terhadap<\/span> hak<\/span> milik<\/span> tanah<\/span> yang <\/span>melekat<\/span> perjanjian<\/span>HT, <\/span>sehingga<\/span> sekalipun<\/span> debitur<\/span> dapat<\/span> melakukan<\/span> pelepasan<\/span> hak<\/span> milik<\/span> atas<\/span> tanah<\/span>kepada<\/span> pihak<\/span> lain <\/span>melalui<\/span> perjanjian<\/span> jual<\/span> beli<\/span> atau<\/span> melalui<\/span> perbuatan<\/span> pengalihan<\/span>hak<\/span> milik<\/span> atas<\/span> tanah<\/span> lainnya<\/span>, <\/span>namun<\/span> hal<\/span> itu<\/span> tidak<\/span> menghapus<\/span> hak<\/span> pemegang<\/span> HT <\/span>atas<\/span> tanah<\/span> yang <\/span>melekat<\/span> terhadapnya<\/span> perjanjian<\/span> HT.<\/span><\/div>\n
2. <\/span>Berdasarkan<\/span> Pasal 11, Pasal 13, dan Pasal 14 <\/span>Undang-Undang<\/span> Republik Indonesia <\/span>Nomor<\/span> 4 <\/span>Tahun<\/span> 1996 <\/span>Tentang<\/span> Hak <\/span>Tanggungan<\/span> Atas Tanah <\/span>Beserta<\/span> Benda-Benda Yang <\/span>Berkaitan<\/span> Dengan<\/span> Tanah<\/span> terlihat<\/span> jelas<\/span> juga <\/span>bahwa<\/span> terdapat<\/span> kewajiban<\/span> bagi<\/span>debitur<\/span> sebagai<\/span> pemberi<\/span> HT <\/span>untuk<\/span> meperjanjikan<\/span> dan <\/span>menjamin<\/span> bahwa<\/span> debitur<\/span>tidak<\/span> dapat<\/span> melepas<\/span> tanah<\/span> yang <\/span>melekat<\/span> dia<\/span> atasnya<\/span> perjanjian<\/span> HT <\/span>kepada<\/span> pihak<\/span>ketiga<\/span> dan <\/span>mutlak<\/span> debitur<\/span> juga <\/span>harus<\/span> menjamin<\/span> bahwa<\/span> objek<\/span> tanah<\/span> sebagai<\/span>jaminan<\/span> HT <\/span>tetap<\/span> berada<\/span> di <\/span>bawah<\/span> kuasa<\/span> kreditur<\/span> sebagai<\/span> jaminan<\/span> HT yang <\/span>tidak<\/span>dapat<\/span> dilakukan<\/span> perbuatan<\/span> pengalihan<\/span> hak<\/span> oleh <\/span>debitur<\/span> selama<\/span> piutang<\/span> debitur<\/span>belum<\/span> dilunasi<\/span>.<\/span><\/div>\n

Berbagai<\/span> penjelasan<\/span> di <\/span>atas<\/span> menunjukan<\/span> bahwa<\/span> dalam<\/span> lapangan<\/span> hukum<\/span> piutang<\/span>dapat<\/span> terlihat<\/span> bahwa<\/span> selama<\/span> debitur<\/span> belum<\/span> melunasi<\/span> piutangnya<\/span> kepada<\/span> kreditur<\/span>, <\/span>maka<\/span>tanah<\/span> milik<\/span> debitur<\/span> yang <\/span>dijaminkan<\/span> sebagai<\/span> objek<\/span> jaminan<\/span> HT <\/span>tetap<\/span> dipegang<\/span> oleh <\/span>pemegang<\/span> HT, <\/span>sehingga<\/span> apabila<\/span> debitur<\/span> hendak<\/span> mengalihkan<\/span> hak<\/span> milik<\/span> atas<\/span> tanahnya<\/span>tidak<\/span> dapat<\/span> dilakukan<\/span>, <\/span>sebab<\/span> dalam<\/span> balik<\/span> nama <\/span>terhadap<\/span> tanah<\/span> milik<\/span> debitur<\/span> yang <\/span>dijaminkan<\/span> sebagai<\/span> jaminan<\/span> HT <\/span>masih<\/span> melekat<\/span> hak<\/span> kreditur<\/span> sehingga<\/span> selama<\/span> piutang<\/span>belum<\/span> dilunasi<\/span>, <\/span>mekanisme<\/span> pengalihan<\/span> hak<\/span> milik<\/span> atas<\/span> tanah<\/span> harus<\/span> melalui<\/span> roya<\/span> dan <\/span>roya<\/span>baru<\/span> dapat<\/span> dilakukan<\/span> kepada<\/span> pihak<\/span> lain <\/span>ketika<\/span> piutan<\/span> debitur<\/span> telah<\/span> lunas<\/span>, <\/span>dengan<\/span> kata lain <\/span>pihak<\/span> debitur<\/span> dapat<\/span> mengalihkan<\/span> hak<\/span> milik<\/span> atas<\/span> tanah<\/span> yang <\/span>dijaminkan<\/span> sebagai<\/span>objek<\/span> HT <\/span>kepada<\/span> pihak<\/span> lain <\/span>ketika<\/span> telah<\/span> hapusnya<\/span> Hak Tanggungan.<\/span>\u00a0<\/span>Pasal 18 <\/span>Undang-Undang<\/span> Republik Indonesia <\/span>Nomor<\/span> 4 <\/span>Tahun<\/span> 1996 <\/span>Tentang<\/span> Hak <\/span>Tanggungan<\/span> Atas Tanah <\/span>Beserta<\/span> Benda-Benda Yang <\/span>Berkaitan<\/span> Dengan<\/span> Tanah<\/span> menyebutkan<\/span>:<\/span><\/p>\n

(1) <\/span>Hak <\/span>Tanggungan<\/span> hapus <\/span>karena<\/span> hal-hal<\/span> sebagai<\/span> berikut<\/span> :<\/span><\/div>\n
a. <\/span>hapusnya<\/span> utang yang <\/span>dijamin<\/span> dengan<\/span> Hak <\/span>Tanggungan<\/span>; <\/span><\/div>\n
b. <\/span>dilepaskannya<\/span> Hak <\/span>Tanggungan<\/span> oleh <\/span>pemegang<\/span> Hak Tanggungan; <\/span><\/div>\n
c. <\/span>pembersihan<\/span> Hak <\/span>Tanggungan<\/span> berdasarkan<\/span> penetapan<\/span> peringkat<\/span> oleh <\/span>Ketua<\/span> Pengadilan<\/span> Negeri; <\/span><\/div>\n
d. <\/span>hapusnya<\/span> hak<\/span> atas<\/span> tanah<\/span> yang <\/span>dibebani<\/span> Hak Tanggungan. <\/span><\/div>\n
(2) <\/span>Hapusnya<\/span> Hak <\/span>Tanggungan<\/span> karena<\/span> dilepaskan<\/span> oleh <\/span>pemegangnya<\/span> dilakukan<\/span>dengan<\/span> pemberian<\/span> pernyataan<\/span> tertulis<\/span> mengenai<\/span> dilepaskannya<\/span> Hak <\/span>Tanggungan<\/span> tersebut<\/span> oleh <\/span>pemegang<\/span> Hak <\/span>Tanggungan<\/span> kepada<\/span> pemberi<\/span> Hak <\/span>Tanggungan<\/span>. <\/span><\/div>\n
(3) <\/span>Hapusnya<\/span> Hak <\/span>Tanggungan<\/span> karena<\/span> pembersihan<\/span> Hak <\/span>Tanggungan<\/span> berdasarkan<\/span>penetapan<\/span> peringkat<\/span> oleh <\/span>Ketua<\/span> Pengadilan<\/span> Negeri <\/span>terjadi<\/span> karena<\/span>permohonan<\/span> pembeli<\/span> hak<\/span> atas<\/span> tanah<\/span> yang <\/span>dibebani<\/span> Hak <\/span>Tanggungan<\/span>tersebut<\/span> agar <\/span>hak<\/span> atas<\/span> tanah<\/span> yang <\/span>dibelinya<\/span> itu<\/span> dibersihkan<\/span> dari<\/span> beban<\/span> Hak <\/span>Tanggungan<\/span> sebagaimana<\/span> diatur<\/span> dalam<\/span> Pasal 19. <\/span><\/div>\n
(4) <\/span>Hapusnya<\/span> Hak <\/span>Tanggungan<\/span> karena<\/span> hapusnya<\/span> hak<\/span> atas<\/span> tanah<\/span> yang <\/span>dibebani<\/span>Hak <\/span>Tanggungan<\/span> tidak<\/span> menyebabkan<\/span> hapusnya<\/span> utang yang <\/span>dijamin<\/span>.<\/span><\/div>\n

\u00a0<\/span><\/p>\n

Berdasarkan<\/span> ketentuan<\/span> di <\/span>atas<\/span> terlihat<\/span> bahwa<\/span> peralihan<\/span> hak<\/span> milik<\/span> atas<\/span> tanah<\/span> yang <\/span>terikat<\/span> HT <\/span>baru<\/span> dapat<\/span> dilakukan<\/span> ketika<\/span> Hak <\/span>Tanggungan<\/span> telah<\/span> hapus <\/span>karena<\/span>:<\/span><\/p>\n

a. <\/span>hapusnya<\/span> utang yang <\/span>dijamin<\/span> dengan<\/span> Hak <\/span>Tanggungan<\/span>; <\/span><\/div>\n
b. <\/span>dilepaskannya<\/span> Hak <\/span>Tanggungan<\/span> oleh <\/span>pemegang<\/span> Hak Tanggungan; <\/span><\/div>\n
c. <\/span>pembersihan<\/span> Hak <\/span>Tanggungan<\/span> berdasarkan<\/span> penetapan<\/span> peringkat<\/span> oleh <\/span>Ketua<\/span>Pengadilan<\/span> Negeri; <\/span><\/div>\n
d. <\/span>hapusnya<\/span> hak<\/span> atas<\/span> tanah<\/span> yang <\/span>dibebani<\/span> Hak Tanggungan. <\/span><\/div>\n

Berkaitan<\/span> dengan<\/span> status <\/span>kepemilikan<\/span> tanah<\/span> yang <\/span>dijaminkan<\/span> sebagai<\/span> objek<\/span>jaminan<\/span>, <\/span>tidak<\/span> jarang<\/span> pihak<\/span> debitur<\/span> merupakan<\/span> badan <\/span>hukum<\/span> yang <\/span>dimana<\/span> badan <\/span>hukum<\/span> dalam<\/span> hal<\/span> Anggaran<\/span> Dasar Dan Rumah <\/span>Tangga<\/span> kerap<\/span> mengalami<\/span> pembaharuan<\/span>dan <\/span>perubahan<\/span>, <\/span>termasuk<\/span> dalam<\/span> hal<\/span> kepemilikan<\/span> asset <\/span>berupa<\/span> tanah<\/span> yang juga <\/span>tengah<\/span>dijaminkan<\/span> dalam<\/span> perjanjian<\/span> piutang<\/span> dengan<\/span> jaminan<\/span> HT <\/span>dengan<\/span> pihak<\/span> kreditur<\/span>. <\/span>Perubahan<\/span> AD\/ART badan <\/span>hukum<\/span> yang <\/span>kemudian<\/span> mengalihkan<\/span> suatu<\/span> kepemilikan<\/span> asset badan <\/span>hukum<\/span> dapat<\/span> berimplikasi<\/span> pada <\/span>kepastian<\/span> hukum<\/span> kepemilikan<\/span> objek<\/span> jaminan<\/span> HT. Hal <\/span>ini<\/span> membuat<\/span> tanah<\/span> sebagai<\/span> objek<\/span> jaminan<\/span> HT <\/span>hasrus<\/span> diubah<\/span> status <\/span>kepemilikannya<\/span>agar <\/span>tidak<\/span> mengakibatkan<\/span> sengketa<\/span> kepemilikan<\/span> asset badan <\/span>hukum<\/span> yang <\/span>mengakibatkan<\/span> status <\/span>objek<\/span> jaminan<\/span> HT juga <\/span>mengalami<\/span> sumiritas<\/span> kepastian<\/span> hukum<\/span>. <\/span>Persoalannya<\/span> ialah<\/span> asset badan <\/span>hukum<\/span> yang <\/span>tengah<\/span> menjadi<\/span> objek<\/span> jaminan<\/span> HT <\/span>baru<\/span>dapat<\/span> diubah<\/span> kepemilikannya<\/span> ketika<\/span> HT <\/span>telah<\/span> hapus, yang salah <\/span>satunya<\/span> dilakukan<\/span>melalui<\/span> pelunasan<\/span> HT. <\/span>keadaan<\/span> ini<\/span> mengakibatkan<\/span> asset <\/span>tanah<\/span> badan <\/span>hukum<\/span> yang <\/span>merupakan<\/span> objek<\/span> jaminan<\/span> HT <\/span>tidak<\/span> dapat<\/span> diubah<\/span> status <\/span>kepemilikannya<\/span> sebelum<\/span>hapusnya<\/span> HT.<\/span><\/p>\n

Yayasan <\/span>Pengembangan<\/span> Ilmu<\/span> Kota Cirebon<\/span> dalam<\/span> hal<\/span> keperluan<\/span> pendaftaran<\/span>akreditasi<\/span> perguruan<\/span> tinggi<\/span> miliknya<\/span>, <\/span>mengharuskan<\/span> objek<\/span> tanah<\/span> perguruan<\/span> tinggi<\/span> yang <\/span>ada<\/span> harus<\/span> berstatus<\/span> hak<\/span> milik<\/span> Yayasan, <\/span>sementara<\/span> sertipikat<\/span> hak<\/span> milik<\/span> atas<\/span> lahan<\/span>perguruan<\/span> tinggi<\/span> milik<\/span> Yayasan <\/span>Pengembangan<\/span> Ilmu<\/span> Kota Cirebon<\/span> tengah<\/span> dijaminkan<\/span>sebagai<\/span> jaminan<\/span> Hak <\/span>Tanggungan<\/span> di salah <\/span>satu<\/span> Bank di Kota Cirebon, <\/span>dimana<\/span> sertipikat<\/span>tanah<\/span> yang <\/span>dijaminkan<\/span> sebagai<\/span> objek<\/span> jaminan<\/span> HT <\/span>tersebut<\/span> bukan<\/span> atas<\/span> nama Yayasan <\/span>melainkan<\/span> atas<\/span> nama <\/span>perorangan<\/span>. <\/span>Pihak<\/span> BPN Kota Cirebon yang <\/span>dimintai<\/span> pandangan<\/span>akan<\/span> adanya<\/span> persoalan<\/span> ini<\/span> menyampaikan<\/span> bahwa<\/span> tanah<\/span> milik<\/span> Yayasan <\/span>Pengembangan<\/span>Ilmu<\/span> Kota Cirebon<\/span> dapat<\/span> diubah<\/span> status <\/span>kepemilikannya<\/span> dari<\/span> perorangan<\/span> menjadi<\/span> atas<\/span>nama Yayasan <\/span>ketika<\/span> pihak<\/span> pemegang<\/span> HT <\/span>bersedia<\/span> akan<\/span> adanya<\/span> proses <\/span>bali<\/span> nama <\/span>sertipikat<\/span> tersebut<\/span>. <\/span>Pihak<\/span> debitur<\/span> pun <\/span>kemudian<\/span> mencari<\/span> Bank lain <\/span>untuk<\/span> mengajukan<\/span>kesediaan<\/span> tersebut<\/span>, <\/span>kemudian<\/span> di bank lain <\/span>hal<\/span> itu<\/span> disetujui<\/span> sehingga<\/span> pihak<\/span> debitur<\/span>mengalihkan<\/span> piutangnya<\/span> kepada<\/span> bank lain <\/span>tersebut<\/span> agar proses <\/span>balik<\/span> nama <\/span>sertipikat<\/span>perorangan<\/span> menjadi<\/span> sertipikat<\/span> hak<\/span> milik<\/span> atas<\/span> nama <\/span>Yayasan <\/span>Pengembangan<\/span> Ilmu<\/span> Kota Cirebon<\/span> dapat<\/span> dilakukan<\/span>.<\/span><\/p>\n

Hal <\/span>tersebutpun<\/span> dapat<\/span> dilakukan<\/span>, <\/span>namun<\/span> demikian<\/span> dasar<\/span> hukum<\/span> akan<\/span> serangkaian<\/span>perbuatan<\/span> hukum<\/span> ini<\/span> belum<\/span> diatur<\/span> dalam<\/span> 14 <\/span>Undang-Undang<\/span> Republik Indonesia <\/span>Nomor<\/span> 4 <\/span>Tahun<\/span> 1996 <\/span>Tentang<\/span> Hak <\/span>Tanggungan<\/span> Atas Tanah <\/span>Beserta<\/span> Benda-Benda Yang <\/span>Berkaitan<\/span> Dengan<\/span> Tanah<\/span>, <\/span>sehingga<\/span> kesepakatan<\/span> kreditur<\/span> sebagai<\/span> dasar<\/span> hukum<\/span> balik<\/span>nama ha katas <\/span>tanah<\/span> juga <\/span>tidak<\/span> memiliki<\/span> jaminan<\/span> terhadap<\/span> perlindungan<\/span> hukum<\/span> bagi<\/span>pihak<\/span> kreditur<\/span> ketika<\/span> debitur<\/span> menyalahgunakan<\/span> kesediaan<\/span> kreditur<\/span> tersebut<\/span> untuk<\/span>menguntungkan<\/span> dirinya<\/span> sendiri<\/span>, <\/span>misalnya<\/span> melakukan<\/span> penggelapan<\/span> sertipikat<\/span>, <\/span>pemalsuan<\/span>sertipikat<\/span>, <\/span>atau<\/span> Perbuatan<\/span> Melawan<\/span> Hukum <\/span>lainnya<\/span> yang <\/span>dapat<\/span> merugikan<\/span> kreditur<\/span>.<\/span><\/p>\n

\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Guna menjamin adanya kepastian hukum terhadap perlindungan hukum bagikreditur dari penyimpangan yang <\/a><\/p>\n","protected":false},"author":2,"featured_media":5617,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"kia_subtitle":"","footnotes":""},"categories":[13,9,4],"tags":[],"newstopic":[],"class_list":{"0":"post-5616","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-berita","8":"category-kampus","9":"category-nasional"},"yoast_head":"\nKESEPAKATAN KREDITUR SEBAGAI DASAR HUKUM DALAM PERUBAHAN HAK MILIK ATAS TANAH YANG MASIH TERIKAT HAK TANGGUNGAN DARI PERORANGAN KE BADAN HUKUM - ZonaEdu<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/zonaedu.id\/index.php\/2026\/11\/07\/kesepakatan-kreditur-sebagai-dasar-hukum-dalam-perubahan-hak-milik-atas-tanah-yang-masih-terikat-hak-tanggungan-dari-perorangan-ke-badan-hukum\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"KESEPAKATAN KREDITUR SEBAGAI DASAR HUKUM DALAM PERUBAHAN HAK MILIK ATAS TANAH YANG MASIH TERIKAT HAK TANGGUNGAN DARI PERORANGAN KE BADAN HUKUM - 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