Banking is one of the instruments which have a strategic role in order to maintain
continuity of economic development and producement of funds. The Bank
functions in the distribution of funds is to provide various types of credit. Bank as
a business firms always expect the amount of loans can be returned smoothly and
make profits because agreement of the credit that provided to customers is not
without risk, so one of the application is to secure bank loans distribution by
requiring collateral and placed the liability rights. UUHT is a tool or a guarantor
of laws to the creditor if the use of credit have a bad credit/ credits crush. If the
creditor injured the promise (wanprestasi), the first liability rights object with
their own authorithy (parate execution) by auction through the State Property
Service and Auction Office (KPKNL). If there is a resistance from the debtor, the
implementation of the auction is determined, that based on Executorial Title
contained in the Certificate of Liability Rights. Liability Rights Object sold
through the public auction according by the procedures that specified in the
regulations of laws. The procedure is taken through the help of the District Court
(PN) using the fiat court execution.