Kamis, 26 September 2013

SANKSI HUKUM PENGGUNAAN BANGUNAN YANG BELUM MEMPEROLEH SERTIFIKAT LAIK FUNGSI

Sanksi Hukum yang dapat Timbul karena Penggunaan Bangunan sebelum Memperoleh Sertifikat Laik Fungsi
 Latar Belakang
 
Berdasarkan Pasal 1 angka 16 Peraturan Daerah Provinsi DKI Jakarta Nomor 7 Tahun 2010 tentang Bangunan Gedung (“Perda No. 7/2010”), sertifikat laik fungsi (“SLF”) adalah sertifikat yang diberikan oleh Pemerintah Daerah terhadap bangunan gedung yang telah selesai dibangun dan telah memenuhi persyaratan kelaikan fungsi berdasarkan hasil pemeriksaan kelaikan fungsi bangunan gedung sebagai syarat untuk dapat dimanfaatkan.
 
Berdasarkan Pasal 237 ayat (1) Perda No. 7/2010, setiap orang sebelum pemanfaatan bangunan gedung wajib memiliki SLF. SLF diberikan kepada bangunan gedung yang telah selesai dibangun, memenuhi persyaratan keandalan bangunan gedung dan kelaikan fungsi, serta fungsi penggunaannya sesuai dengan izin mendirikan bangunan (“IMB”).
 
Sanksi hukum yang dapat timbul apabila menggunakan bangunan sebelum memperoleh SLF diatur dalam Pasal 283 ayat (2) Perda No. 7/2010, sebagai berikut:
 
“Setiap pemilik bangunan gedung, pengguna bangunan gedung, penyedia jasa konstruksi bangunan gedung yang melanggar ketentuan Pasal 13 ayat (3), Pasal 15 ayat (1), Pasal 124 ayat (3), 183 ayat (1), Pasal 186 ayat (4), Pasal 188 ayat (1), Pasal 191, Pasal 192, Pasal 195, Pasal 231 ayat (1), Pasal 237 ayat (1), dan Pasal 245 ayat (1) dipidana dengan pidana kurungan paling lama 6 (enam) bulan atau denda paling banyak Rp 50.000.000 (lima puluh juta rupiah).”
 
Dalam ketentuan pidana tersebut, terdapat pasal yang berkaitan dengan SLF, yaitu pasal 237 ayat (1). Oleh karena itu, dapat disimpulkan bahwa setiap pemilik bangunan gedung, pengguna bangunan gedung, penyedia jasa konstruksi bangunan gedung yang tidak memiliki SLF pada saat memanfaatkan bangunan gedung, dipidana dengan pidana kurungan paling lama 6 (enam) bulan atau denda paling banyak Rp 50.000.000 (lima puluh juta Rupiah).


LEGAL OPINION

LEGAL AUDIT & LEGAL OPINION



Legal Audit                          Long Form;  Legal Opinion                                   Short Form

Purposes: extension and restructuring of loans, issuing instruments in stock exchanges, merger and acquisition:

Addressee           ><                    Counsel





Full Disclosure                             Limitation of liabilities
-         Assumptions
-         Qualifications

Full Disclosure:

 Articles of Association and any amendments thereof.
 History of equity and shareholders.
 Management and Supervisor.
 Permits.
 Assets and encumbrance : movable  (Art. 1977 Civil Code), immovable, IPR.
 Contracts.
 Litigation.
 Special Conditions: M&A.
 Corporate Guarantor, Holding Company, Subsidiaries, Affiliates (full or limited audit).

Assumptions:

¾  General: Good Faith Concept (Art. 533 Civil Code).
¾  Genuine of signatures.
¾  Conformity of copies to originals.
¾  Accuracy of translations.
¾  Due authority and execution by all parties other than the party being opined upon.
¾  Absence of conflict with other contracts of the party being opined upon.

Qualifications:

 Express no opinion is respect of matters governed by foreign laws.
 Rely public records.




GUIDELINES
TO REVIEW LOAN AND SECURITY DOCUMENTATION




GENERAL
Notarial/Non Notarial Deed
    Loan Agreement may be in the form of notarial deed or not.
    Akte Pemberian Hak Tanggungan/Akte Hipotik shall be made by PPAT.
    Sertifikat Hipotik shall be issued by the appropriate Land Office.
    Akte  Kuasa  Memasang  Hak  Tanggungan/Akte  Hipotik  shall  be  made  by  notary public or PPAT.

Consent
    If the loan given to a PT or other legal entities, check the Articles of Association on how the procedure should be followed (who is entitled to sign, who should give approval, etc). Check also whether the amendments of the loan agreement follow the procedure.
    If the security is given by a PT or other legal entities, check who is entitled to sign the security document and whether the consent of commissioners is needed. Check with the Articles of Association of the PT/other legal entities and their amendments.
    If the security constitutes more than 50% of the assets of the security giver, article 88
UUPT shall be complied with (the consent from RUPSLB and announcement in 2 newspapers). Ask the client about the ”50% of the assets”. Please note that article 88
UUPT shall only be considered if the security is given after March 7, 1996.
    If the security is given by a married giver, check whether the security document was co-signed by his/her spouse as consent or whether the spouse consent was given in a separate document (the consent letter is usually attached to the security document, except               for      Akte                         Pemberian                   Hak          Tanggungan/Akte              Kuasa          Memasang    Hak Tanggungan/Hipotik the consent letter is kept by the PPAT/notary public. It is not necessary for us to check with the PPAT/notary public of the consent letter as the Akta will mention about the consent. However, please check the wording in the Akta whether consent letter is in the notarial or in the underhand form).
    However, if there is an agreement of segregation of marital assets, the spouse’s consent is not needed.
         If  the  document  is  made  in  notarial  Deed,  you  may  not  check  the  Articles  of Association of the borrower/security giver as you can rely on the information in the notarial deed that the consent has been given. Please note that you NEED to check the Articles of Association if the notarial deed does not give such information.
    Check if there are two witnesses signed any non-notarial deed.



Enforcement Forum
    Check the forum of Loan Agreement and every security documents. Different forum among them may make the enforcement difficult.
    In the case of the assignment of the borrowers deposit with the client, we can neglect the enforcement forum since the client may simply enforce the assignment by set off.

Unsecured Loan
    ”Negative Pledge” clause is required to protect the client creditor’s interest against newer creditor. Look for it in ”Covenants” or ”Negative Covenants” clause.
    ”Pari Passu clause is required to protect the client creditor’s interest against other unsecured creditor. Look for it in ”Representation and Warranties” clause.

Power of Attorney
    Power of Attorney by a borrower to the creditor shall be given with a waiver of articles 1813, 1814 and 1816 of the Indonesian Civil Code.

MORTGAGE
    See Sertifikat Hak Tanggungan/Sertifikat Hipotik.
    See Sertifikat Tanah being mortgaged. If Hak Milik”, look for spouse consent, if
”HGB”, look for the expiry date of the Land Certificate.
    Offer the client to check with the appropriate Land Office the originality of Sertifikat Hak  Tanggungan/Sertifikat  Hipotik/Sertifikat  Tanah.  Do  not  forget  to  advise  the client that there will be some disbursement for this.
    If the client does not feel it necessary to have that checking we have to make our assumption in our legal opinion that Sertifikat Hak Tanggungan/Sertifikat Hipotik and Sertifikat Tanah the client made available to us are the same as those knitted in Buku Tanah in the appropriate Land Office.
    No Akte Kuasa Memasang Hak Tanggungan/Hipotik is valid after one month of its date.
    If there is Akte Kuasa Memasang Hak Tanggungan/Hipotik ask for Sertifikat Hak
Tanggungan/Sertifikat Hipotik.

PLEDGE OF SHARES
    See the share certificates being pledged. Note that no pledge is valid, unless the pledgee (the bank) retains the share certificates.

FIDUCIARY TRANSFER OF OWNERSHIP
for stocks/inventories
    Look for the waiver of articles 1750 to 1753 (inclusive) and 1759 to 1762 (inclusive).
    Look for the specific go-down to store the stocks/inventories.
    Look for the provision which says that at any time the stocks/inventories (i) shall have a certain value, or (ii) shall have the value which at least the same as the aggregate amount of the loan if the FTO is the only security given to that loan.



    Please ask client whether they know other creditor(s) of the borrower receiving the FTO of stock or inventories. If there is such other creditor(s), ask client who first receive the FTO.

for machinaries
    Look for the list of the machinaries being pledged.

GUARANTY (PERSONAL OR CORPORATE)
    Look for the waiver of articles 1430, 1831, 1833, 1837, 1838, 1843, 1847, 1848,
1849, 1850 of the Indonesian Civil Code.
    Please check whether there is spouse consent appears in the guarantee or in separate letter for the guarantee given by married persons without asset separation.
    An indemnity clause shall appear (usually at the end of the guaranty document). The clause says that if for whatever reason the guaranty cannot be enforced or invalid, then  the  guarantor  commits  itself  to  pay  the  loan  as  a  primary  borrower  (or something like that).
    Value of the Guarantee. Some guarantees address or limit the value of the guarantee, some only say that all debts of the borrower are guaranteed.

BANK GUARANTY
    All items required by SKDir BI No. 23/72/KEP/Dir and SEBI No. 23/5/UKU both dated February 28, 1991 shall be satisfied.
    Value of Bank Guarantee.
    Expiration Date and Period of Claim. Please note that any claims against   a bank guarantee submitted to the guarantor  bank after the end of the period of claim may likely be rejected by the bank. The end of the period of claim is usually either 14 or
30 days after the expiration date of the bank guarantee.

ASSIGNMENT OF RECEIVABLES FOR SECURITY PURPOSES
    Look for the list of Receivables assigned.
    Ask the client whether the debtors of the borrower have been notified about such assignment.
    It is better if there is provision in the Assignment document which obliges the borrower to deposit any payment it receives in an escrow account with the client.

ASSIGNMENT OF DEPOSIT FOR SECURITY PURPOSES Deposit with the client
    There should be a provision in the Assignment Document which says that as long as there is any money owed by the borrower, the deposit and its interest cannot be remitted which result that the amount of the outstanding loan is bigger than the amount of the deposit and its interest.
    Check whether there is authorization in the Assignment Document to the bank to cash the deposit or whether there is separate power of attorney to do so if the debtor is default.




Deposit with another bank
    There should be a provision in the Assignment Document which says that as long as there is any money owed by the borrower the deposit and its interest cannot be remitted.
    The client shall retain the certificate/the book of deposit.
    The depositor bank shall give the client an undertaking not to let the borrower to call for the deposit and its interest.
    Check about authorization clause or separate power of attorney as above mentioned.
    The Borrower shall give a power of attorney to the client to call for the deposit and its interest from the depositor bank.

ASSIGNMENT OF INSURANCES
    Pursuant to the Indonesian law, only claims or proceeds of the claims that can be assigned not the object insured.
    Check the list of all policies assigned to the bank.
    Ask the client whether it holds/retains the policies described in the list.
    Check whether the policies are still valid (see the period of the insurance).
    Check  whether  the  policies  contain  a  ”Banker’s  Clause”  ie.  the  name  of  the bank/creditor is addressed as the co-insured. It is very important since with the Banker’s Clause, the bank can directly receive payment from the insurer, while with the absence of this clause, the insurer may not feel obliged to pay directly to the bank.
    Check whether the insurer has been notified/or at least if there is a notice clause in the Assignment Agreement.