The ownership of apartment, is a separate individual property right with joint right
over shared parts, shared object, and shared land. Then as proof of ownership of
apartment units, with a certificate of apartment units. Ownership of apartment unit
gives the right for the owner to use and utilize or guarantee it as a credit guarantee. Based on it, this research is intended to analysis on how the imposition of
apartmen as collateral in material security. This research is a normative juridical
study using qualitative analysis with secondary data sourced from primary legal
material, secondary legal materials and tertiary legal materials. The data is
analyzed between statutory regulations and regulations relating to the imposition
of material guarantees on apartment units, the result of the research is that
ownership of the apartment units can be used as a credit guarantee with a material
guarantee in the form of mortgage if the proof of ownership is a certificate of
ownership of the apartment unit and fiduciary security if the proof of ownership is
in the form of a certificate pf ownership of the apartment building.