created "third party first legal charge"

07:09 Feb 23, 2021
English to Indonesian translations [PRO]
Law/Patents - Law: Contract(s)
English term or phrase: created "third party first legal charge"
PT A "created a third party first legal charge over a land"

Apakah legal charge disini tepat diterjemahkan hipotek (mortgage)?
Jadi diterjemahkan hipotek pertama pihak ketiga?
Dede Wiharto
Indonesia
Local time: 23:12


Summary of answers provided
5membuat membuat perjanjian hak tanggungan pertama pihak ketiga
Hipyan Nopri
5membuat perjanjian hipotek/KPR pertama melalui pihak ketiga atas sebidang tanah
Titi Sayeed
4mengadakan "biaya hipotek awal/pertama pihak ketiga"
Regi2006


  

Answers


13 mins   confidence: Answerer confidence 4/5Answerer confidence 4/5
mengadakan "biaya hipotek awal/pertama pihak ketiga"


Explanation:
Tidak hanya itu, yang perlu dipertimbangkan biaya penutupan yang terlibat dalam semua skenario. Pengeluaran itu mencakup biaya asuransi hak milik, biaya pengacara, penilaian, pajak, dan biaya transfer. Biaya pembiayaan kembali ini, yang dapat berkisar antara 3% dan 6% dari pokok pinjaman, hampir setinggi biaya hipotek awal dan membutuhkan waktu bertahun-tahun untuk memulihkan.
https://wartapenilai.id/2020/12/22/pembiayaan-kembali-atas-h...

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Note added at 17 mins (2021-02-23 07:26:58 GMT)
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A hypotec (ipotek, hipotek) is basically a legal charge to a certain agreed value and is secured against a property. It isn't exactly a mortgage ...
https://www.turkeycentral.com/topic/8739-property-purchase/


Regi2006
Indonesia
Local time: 23:12
Native speaker of: Native in IndonesianIndonesian
PRO pts in category: 91
Notes to answerer
Asker: Terima kasih pak

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23 hrs   confidence: Answerer confidence 5/5
created third party first legal charge
membuat membuat perjanjian hak tanggungan pertama pihak ketiga


Explanation:
Dalam sistem hukum Indonesia, satu2nya lembaga jaminan atas tanah yg sekarang berlaku adalah hak tanggungan (mortgage) (UU No 4 Tahun 1996 tentang Hak Tanggungan).

Jadi, hak jaminan atas tanah disebut hak tanggungan, sedangkan hipotek digunakan untuk hak jaminan atas kapal laut dan pesawat terbang.

Charge ini memang banyak maknanya seperti serangan, dakwaan, biaya, tagihan, jaminan, tanggungan, dll. tergantung konteksnya.

Namun, dalam konteks naskah sumber, legal charge = mortgage = hak tanggungan.

Selanjutnya, first legal charge = hak tanggungan pertama, yaitu pembebanan pertama hak tanggungan atas tanah.

Dg kata lain, tanah tsb baru satu kali dijadikan jaminan utang. Jika tanah tsb kemudian kembali dijadikan jaminan, maka disebut second legal charge.

Third party legal charge = hak tanggungan pihak ketiga, yaitu perjanjian hak tanggungan di mana peminjam dan penjamin adalah orang yg berbeda.

Jika peminjam dan penjamin orang yg sama, maka disebut first party legal charge (hak tanggungan pihak pertama).

Dg demikian, yg dimaksud dg "created third party first legal charge" adalah "membuat perjanjian hak tanggungan pertama pihak ketiga."

Ref.:
H.S., Salim. 2006. Pengantar Hukum Perdata Tertulis (BW). Jakarta: Sinar Grafika.

First Charge A legal charge used to secure the main mortgage. A lender with a first legal charge over a property has a first call on any funds available from the sale of the property.
https://www.yourmortgage.co.uk/remortgage/jargon-buster/

https://www.slideshare.net/husnarodzi/land-law-ii-charge-gen...

Hipyan Nopri
Indonesia
Local time: 23:12
Specializes in field
Native speaker of: Native in IndonesianIndonesian
PRO pts in category: 316
Notes to answerer
Asker: Terima kasih jawabannya pak Hipyan

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9 days   confidence: Answerer confidence 5/5
membuat perjanjian hipotek/KPR pertama melalui pihak ketiga atas sebidang tanah


Explanation:
third party merupakan agen dari pihak peminjam (yang biasanya adalah bank) yang membuat perjanjian kredit
https://www.investopedia.com/terms/t/thirdparty_mortgage_ori...

Titi Sayeed
Local time: 21:12
Works in field
Native speaker of: Native in IndonesianIndonesian
PRO pts in category: 3
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Asker: Terima kasih bu

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