Helpful Advice About Buying Or Selling Commercial Real Estate

If you plan on investing in commercial real estate, it is crucial that you have some ideas as to the type of real estate you are interested in. Making a bad decision at this stage could cost you a lot. Keep reading for a handful of ideas and advice for making more informed commercial real estate decisions.

Short sale auctions may seem to be quite alluring, but prepare yourself to lose out on the house by being over bid at the last minute. There are many people who have lost out on a home at the very last minute for slightly more money than what they had bid.



Knowing the cost of taxes in your area is an integral part of investing in real estate. The amount you will pay in taxes can make the difference between a positive and negative cash flow. Consult with your Realtor, the local municipalities, and a tax professional to get a good handle on your tax situation.

One important tip to remember when investing in commercial real estate is that you need to approach it differently in every aspect than residential real estate. This is important to know ahead of time because you will need a much higher down payment ratio, and you also need to find out which lenders will cater to your particular situation. One aspect that is safer than residential real estate is the fact that your own personal credit will not suffer if there are negative unforeseen circumstances that cause the deal to end prematurely.

It is important that you understand that the real estate market is not like the stock market. An investment in a property is a long term investment. Stock investments are usually short term investments. If you go in thinking you are investing in stock, you need to rethink so you do not get yourself in financial trouble.

If you are new in the real estate game it may be tempting to try to buy many different types of properties. while they may sound like a great idea, that is usually not the best thing to do because you would do better mastering one type of property instead of having multiple types that are just average.

Surround yourself with positivity. Make sure everyone you work with has a positive attitude, from the inspectors, to the sellers and buyers, to yourself. You do not want to have someone detracting from your positive attitude, as this may make you think less of a property you would have otherwise purchased.

One of the advantages of using a broker for your real estate purchase is due to the fact that they will get paid only on the completion of a transaction. This means that they will have your interests in mind, because the better value you get, the more they will be paid.

If you apply the information that you have just read, you have an excellent chance of realizing real estate success in the commercial markets. To be successful in commercial real estate means you need to do a lot of research, have some skills, and even be a tiny bit lucky. Not everyone will enjoy success, but if you take the above tips and follow them, you will have a greater chance at success.

Have Legal Problems? Get The Best Advice Here

Selecting a lawyer is not always easy. Many people find themselves confused as to what type of lawyer to choose for the issues they are facing. Each legal dilemma that occurs is not the same as the next one, and you need the right lawyer who has the experience for your situation. Continue reading to learn what you need to know.

If you believe that you might have a legal case it is a good idea to seek a legal consult before pursuing any action. Many law firms offer a free consultation so make sure that you take advantage of this. This allows you to try out a couple different law firms before deciding on a lawyer.

Stay as organized as possible when you are working with a lawyer. This means that you should have all of the documentation in relation to your case on hand at all times. If you are unorganized, your lawyer can lose valuable time planning a strategy for your case, which may result in a loss.

Keep away from lawyers who leave you feeling uneasy. This also goes for their fee structure. Do not sign over a blank retainer check. Request an initial estimate as a means to help control costs before they escalate throughout the course of your matter.

Try to get the vibe of the lawyer’s office when you walk in. Is the receptionist nice to talk to and fast to respond? If the staff of your lawyer’s office is not returning calls quickly or treating you politely, you should find another lawyer.


Make sure that you are one hundred percent comfortable before you sign any legal documentation hiring your lawyer. The last thing that you need if you are already in a bad situation is to have to pay extra money to a lawyer that you do not want. Take precaution before signing on the dotted line.

If a lawyer tells you your case is a slam dunk, run for the hills. Good lawyers would never make a claim like that, but scam artists sure would. There is nothing so cut and dry about a case that it can easily be seen as a win before the research is done.

Ask your lawyer if you can do any specific tasks that will lower costs. Maybe you can prep some documents for presentation in court. You can pick up documents from the court so their staff doesn’t have to.

If you are going through a divorce, do not use the same lawyer that your estranged spouse is using. Many people use a familiar firm, but that is a big conflict of interest when it is the same one used by your ex. Look around and try to find someone comparable.

See if you can find a lawyer that gives you a free consultation. Not only will this reduce your stress financially, but you will be able to get a glimpse of what you are dealing with and what the lawyer can provide for you. This can help ease your mind, especially when dealing with a tumultuous lawsuit.

Check the desk of the lawyer if you are going in for a consultation. Make sure that he is neat, well-organized and clean. Also, notice his speech when you have a conversation with him. These are very good indicators of how professional he is, and how well he will present your case in court.

When you hire a lawyer who has completed many cases successfully in the arena in which your case lies, you’ll end up saving money. They’ll need less hours to do the research and legwork necessary, and with a greater likelihood of success, you will pay less to the lawyer and potentially win your case.

If you’re engaging in a business legal case, only select a lawyer who knows all about your field of work. If they don’t, will they find out about it on their own, unpaid time? If not, look for a lawyer who already has tried cases for businesses like your own.

Do not automatically rule out a lawyer just because they charge you a fee for their consultation. If the time they offer is pretty extensive, and they are willing to give you a good assessment of your case, that is worth paying them a fee for this service. All lawyers that offer free consultations are not always the best.

If you have any problems at all with a lawyer, from personality conflict to discomfort with fees, keep looking. Don’t agree to anything that makes you uncomfortable or causes you concern. For example, some unscrupulous lawyers want clients to sign a blank check to keep on hand. Naturally, this is not a good idea!

If you find yourself needing the services of an attorney, but don’t have any good leads on one, use a referral service. Different states use different methods of putting citizens together with the right lawyer and you will benefit from this match-making. You should be able to find all the information on your state’s main website.

When buying or selling a house or car, it is important to have a real estate agent look over the contract to be sure you’re not getting into something which could be legally regrettable. You won’t understand all the legal mumbo jumbo, but they will, saving you trouble down the road.

Before you meet with any attorney you are interested in, clarify as to whether or not he offers a free consultation. Particularly if you want to check out several different lawyers, you probably don’t have the funds to pay a steep consultation fee. Simply avoid these people or try to do a lot of your research in other ways before setting up a face to face.

While this article previously mentioned that choosing a lawyer is not always easy, you should know understand that a little knowledge about lawyers does make it easier. You may find yourself needing a lawyer more than once in life, and that can mean that you may need to use several different lawyers. Each will help you to get through any tough times.

Why You Should Hire An Attorney For Debt Consolidation

Many people dislike lawyers; however, they are apparently a necessary evil. You may find yourself desperately needing legal representation of your own. Because your attorney is the one who can help you get a good outcome, you need to select properly. Continue reading to learn how to choose the right lawyer for your needs.

If there is a lawyer that’s looking for you to hire them and you didn’t ask them to, stay away from them. This sort of situation is generally a scam. This is especially true if the situation in which you are embroiled will tend to cost a great deal of money. Do a little research and be sure you hire a good lawyer according to what you need.

Everything you tell your lawyer has to be kept confidential. For instance, if you share a very personal matter that you do not want others to know, you do not have to worry because a lawyer is legally bound to not share this information with others.


Do your homework in trying to find a lawyer. If you need a specialist, do not just rely on the references of your general practitioner. Do background checks, ask around those you know with personal experiences or legal connections. Putting in the time to hire a good lawyer usually means a better outcome they eventually give you in return.

A good tip to keep in mind if you’re thinking about working with a lawyer is to give them as much information as you can. The more documents and information they have that pertains to a case, the better your chances are of winning. If you think a document might be worthless, you lawyer might think otherwise.

If you need to hire a lawyer but don’t know where to start, try looking in a lawyer directory such as Nolo. This directory offers a comprehensive profile of all attorney. The profile provides important information such as his education, experience, fees and the lawyer’s basic philosophy of law. This information can be invaluable in selecting a good lawyer.

When you hire a lawyer, make sure they’re easy to communicate with. You need to be sure you can get in touch when you need them the most. I had a lawyer once who disappeared for a month! Checking reviews can help you find a lawyer, who is a good communicator.

It is important tot establish a solid working relationship with your lawyer so that you guys have good chemistry. It does not matter how experienced your lawyer is, if you don’t feel comfortable with them, things are not going to work out. You must trust your gut feelings when selecting a lawyer who is easy to work with.

You should never hire a lawyer from an advertisement that you have seen on television, seen in the phone book or heard on the radio. This is really no indication of how good of lawyer they are. Research the lawyer’s legal background and read reviews from their peers to determine if they are right for you.

A confident lawyer is great, but one who promises you a win before you even sign a contract with him is not the lawyer you want to choose. There are too many unknown variables in play to make any sort of guarantee, so choose a lawyer who is willing to be honest with you instead.

If you feel like your lawyer is not being up front with you about all of the fees involved, do not think twice about hiring someone else. Usually when lawyers are shifty about financial details it means that they have something to hide. Make it easier on yourself and ask this question right away attorney.

Everyone wants to find the best legal representation for the best price. However, remember that many times you get what you pay for and you surely want the best outcome of your case. Do some research about the reputation of several different lawyers as well as asking acquaintances for personal recommendations.

Meet and interview a few lawyers before you hire one. Talking to each personally can give you a chance to see if you have good rapport. It is also a good opportunity to ask them key questions that will help you make an informed decision. Many attorneys are willing to have a thirty minute meeting with you at no charge.

Sometimes, the best professionals are found through familiar sources. When looking for a lawyer, ask friends and family for recommendations. A word-of-mouth recommendation from a trusted individual is worth more than words on an advertising page. It is highly likely that you can find the best lawyer just by asking around.

Do you want to be able to email your lawyer? Then you must choose someone who knows what email is! Many lawyers are still in the Dark Ages when it comes to technology, so it is important to contact them through the method you’ll use once they’re hired to ensure it will work.

Keep tabs on what your lawyer is doing, and be sure you understand any documents filed in your name or any other action your lawyer takes on your behalf. Always make note of discussions and agreements you make with your lawyer so that, if there is ever any question later, you will be able to refer to your notes to see whether or not you gave permission for a specific action.

Really understand why you need a lawyer. This may seem obvious – but if you don’t fully grasp the situation, it’ll make choosing that much more difficult. Lawyers all have strengths in different areas. Sometimes a generalist will work, and other times you’ll definitely need a specialist. Know what you need before the selection process attorney.

Lawyers have been around for many years for one reason: society needs them attorney. They provide a service, and if you need one, they can help you. Use the information shared here to make the best decision about the lawyer you need to hire, and best of luck!

Adat Kinship System

The kinship system in customary law regulates the position of a person as a member of a relative, the position of the child towards parents and vice versa, as well as the position of the child towards relatives based on blood ties (descent.)

In the structure of indigenous peoples we adhere to three kinds of kinship systems:

  1. Parental kinship system (bilateral)
  2. Matrilineal kinship system
  3. Patrilineal kinship system

Parental (bilateral) kinship system, in this kinship system draws lineages from father and mother. Adherents of this kinship system among Javanese, Madurese, Sundanese, Bugis and Makassarese people. A child will be connected to both parents and relatives of the father-mother bilaterally. The consequence of the parental kinship system is that the same regulations regarding marriage, the obligation to provide a living, respect and inheritance apply. A person will get semenda from marriage, either direct marriage or marriage of relatives. the child connects with both parents and maternal relatives on a bilateral basis. This kinship system applies to the people of Java, Madura, Kalimantan and Sulawesi.

Patrilineal kinship system, in this kinship system draws offspring from only one party, namely the father only. The child will unilaterally connect with the father’s relatives by male lineage. Adherents to this system include the Batak, Balinese, Ambon, Asmat, and Dani people. The consequence of the patrilineal kinship system is that the descendants of the father (male) have a higher position. He also received more rights. children associate themselves with their father (based on male lineage). In a patrilineal society, male descendants are considered to have a higher position and have more rights. This kinship system applies to the Batak and Balinese people.

Matrilineal kinship system, this kinship system draws lineages from the mother’s side only. The child will be connected to the mother, including to the mother’s relatives, based on the unlaterally female lineage. The consequence of this kinship system is that descent from the maternal line is considered very important. In matters of inheritance, for example, people from the maternal line get more shares than the father’s line. This kinship system can be found in the Minangkabau and Semando communities. children associate themselves with their mothers (based on female lineage). In matrilineal society, descent according to the maternal line is considered very important, so that it creates a much more pervasive kinship relationship among its citizens who are descendants according to the maternal line. This kinship system applies to the Minangkabau community.

What is a political party?

Political parties are organizations that are national in nature and are formed by a group of Indonesian citizens voluntarily on the basis of the same will and aspirations to fight for and defend the political interests of members, society, nation and state, as well as maintaining the integrity of the unitary state of the Republic of Indonesia based on Pancasila and the laws and regulations. Republic of Indonesia constitution of 1945. (Article 1 paragraph (1) Law of the Republic of Indonesia Number 2 of 2011).

The general objectives of political parties are (Article 10 Paragraph (1,2,3) of the Republic of Indonesia Law Number 2 of 2011):

  1. Realizing the national ideals of the Indonesian nation as referred to in the preamble to the 1945 constitution of the Republic of Indonesia
  2. Maintain and maintain the integrity of the unitary republic of Indonesia.
  3. Developing a democratic life based on Pancasila by upholding the sovereignty of the people in the unitary state of the Republic of Indonesia
  4. Creating welfare for all Indonesian people.

The specific objectives of political parties are

  1. Increase the political participation of members and the community in the context of carrying out political and governmental activities
  2. Fight for the ideals of political parties in the life of the community, nation and state.
  3. Building ethics and political culture in the life of society, nation and state.

Political parties function as a means (Article 11 paragraphs (1 and 2) of Law of the Republic of Indonesia Number 2 of 2011):

  1. Political education for members and the wider community so that they become Indonesian citizens who are aware of their rights and obligations in the life of society, nation and state.
  2. Creation of a climate that is conducive to the unity and integrity of the Indonesian nation for the welfare of society.
  3. Absorbers, collectors and channels of people’s political aspirations in formulating and establishing state policies.
  4. Political participation of Indonesian citizens
  5. Political recruitment in the process of filling political positions through democratic mechanisms by taking into account gender equality and justice.

Political parties have the right (Article 12 of Law of the Republic of Indonesia Number 2 of 2011):

  1. Receive equal, equal and fair treatment from the state.
  2. Organize and manage household organizations independently.
  3. Obtaining copyright on the name, symbol, and image of a political party in accordance with statutory regulations.
  4. Participate in general elections to elect members of the people’s representative council, the deity of regional people’s representatives, the president and vice president, as well as regional heads in accordance with statutory regulations.
  5. Form a faction at the level of the people’s consultative assembly, the people’s representative council, the provincial people’s representative council, the district / city regional people’s representative council in accordance with the laws and regulations.



Apa sih Partai Politik itu?

Partai politik adalah organisasi yang bersifat nasional dan dibentuk oleh sekelompok warga negara indonesia secara sukarela atas dasar kesamaan kehendak dan cita-cita untuk memperjuangkan  dan membela kepentingan politik anggota, masyarakat, bangsa dan negara, serta memelihara keutuhan negara kesatuan republik indonesia berdasarkan pancasila dan undang-undang dasar negara republik indonesia tahun 1945. (Pasal 1 ayat (1) UU RI Nomor 2 tahun 2011).

Tujuan umum partai politik adalah ( Pasal 10 Ayat (1,2,3) UU RI Nomor 2 Tahun 2011) :

  1. Mewujudkan cita-cita nasional bangsa indonesia sebagaimana dimaksud dalam pembukaan undang-undang dasar negara republik indonesia tahun 1945
  2. Menjaga dan memelihara keutuhan negara kesatuan republik indonesia.
  3. Mengembangkan kehidupan demokrasi berdasarkan pancasila dengan menjunjung tinggi kedaulatan rakyat dalam negara kesatuan republik indonesia dan
  4. Mewujudkan kesejahteraan bagi seleuruh rakyat indonesia.

Tujuan khusus partai politik adalah

  1. Meningkatkan partisipasi politik anggota dan masyarakat dalam rangka penyelenggaraan kegiatan politik dan pemerintahan
  2. Memperjuangkan cita-cita partai politik dalam kehidupan bermasyarakat, berbangsa, dan bernegara.
  3. Membangun etika dan budaya politik dalam kehidupan bermasyarakat, berbangsa dan bernegara.

Partai politik berfungsi sebagai sarana (Pasal 11 ayat (1 dan 2) UU RI Nomor 2 tahun 2011) :

  1. Pendidikan politik bagi anggota dan masyarakat luas agar menjadi warga negara indonesia yang sadar akan hak dan kewajibannya dalam kehidupan bermasyarakat , berbangsa, dan bernegara.
  2. Penciptaan iklim yang kondusif bagi persatuan dan kesatuan bangsa indonesia untuk kesejahteraan masyarakat.
  3. Penyerap, penghimpun dan penyalur aspirasi politik masyarakat dalam merumuskan dan menetapkan kebijakan negara.
  4. Partisipasi politik warga negara indonesia
  5. Rekrutmen politik dalam proses pengisian jabatan politik melalui mekanisme demokrasi dengan memperhatikan kesetaraan dan keadilan gender.

Partai politik berhak (Pasal 12 UU RI Nomor 2 Tahun 2011) :

  1. Memperoleh perlakuan yang sama, sederajat, dan adil dari negara.
  2. Mengatur dan mengurus rumah tangga organisasi secara mandiri.
  3. Memperoleh hak cipta atas nama, lambang, dan tanda gambar partai politik  sesuai dengan peraturan perundang-undangan.
  4. Ikut serta dalam pemilihan umum untuk memilih anggota dewan perwakilan rakyat, dewa perwakilan rakyat daerah, presiden dan wakil presiden, serta kepala daerah sesuai dengan peraturan perundang-undangan.
  5. Membentuk fraksi di tingkat majelis permusyarawatan rakyat,dewan perwakilan rakyat, dewan perwakilan rakyat daerah provinsi, dewan perwakilan rakyat daerah kabupaten/kota sesuai dengan peraturan perundang-undangan.


Sistem Kekerabatan Adat

Sistem kekerabatan dalam hukum adat mengatur tentang kedudukan seseorang sebagai anggota kerabat, kedudukan anak terhadap orangtua dan sebaliknya, serta kedudukan anak terhadap kerabat yang berdasarkan pada pertalian darah ( keturunan.)

Dalam struktur masyarakat adat kita menganut tiga macam sistem kekerabatan :

  1. Sistem kekerabatan parental ( bilateral)
  2. Sistem kekerabatan matrilineal
  3. Sistem kekerabatan patrilineal

Sistem kekerabatan parental ( bilateral) , Dalam sistem kekerabatan ini menarik garis keturunan dari ayah dan ibu. Penganut sistem kekerabatan ini di antara masyarakat Jawa, Madura, Sunda, Bugis, dan Makassar. Seorang anak akan terhubung dengan kedua orang tuanya dan sekaligus kerabat ayah-ibunya secara bilateral. Konsekuensi sistem kekerabatan parental yaitu berlaku peraturan yang sama mengenai perkawinan, kewajiban memberi nafkah, penghormatan, dan pewarisan. Seseorang akan memperoleh semenda dari jalan perkawinan, baik perkawinan langsung atau perkawinan sanak kandungnya.  anak menghubungkan diri dengan kedua orangtuanya dan kerabat ayah-ibunya secara bilateral. Sistem kekerabatan ini berlaku pada masyarakat jawa, madura, kalimantan dan sulawesi.

Sistem kekerabatan patrilineal, Dalam sistem kekerabatan ini menarik keturunan hanya dari satu pihak yaitu sang ayah saja. Anak akan terhubung dengan kerabat ayah berdasarkan garis keturunan laki-laki secara unilateral. Penganut sistem ini di antaranya masyarakat Batak, Bali, Ambon, Asmat, dan Dani. Konsekuensi sistem kekerabatan patrilineal adalah keturunan dari pihak bapak (lelaki) memiliki kedudukan lebih tinggi. Hak-hak yang diterima juga lebih banyak. anak menghubungkan diri dengan ayahnya ( berdasarkan garis keturunan laki-laki). Dalam  masyarakat patrilineal keturunan dari pihak laki-laki dinilai mempunyai kedudukan lebih tinggi dan hak-haknya juga lebih banyak. Sistem kekerabatan ini berlaku pada masyarakat batak dan bali.

Sistem kekerabatan Matrilineal , Sistem kekerabatan ini menarik garis keturunan dari pihak ibu saja. Anak akan terhubung dengan ibunya, termasuk terhubung dengan kerabat ibu, berdasarkan garis keturunan perempuan secara unlateral. Konsekuensi sistem kekerabatan ini yaitu keturunan dari garis ibu dipandang sangat penting. Dalam urusan warisan, misalnya, orang dari garis keturunan ibu mendapatkan jatah lebih banyak dari garis bapak. Sistem kekerabatan ini bisa dijumpai pada masyarakat Minangkabau dan Semando. anak menghubungkan diri dengan ibunya( berdasarkan garis keturunan perempuan). Dalam masyarakat matrilineal, keturunan menurut garis ibu dipandang sangat penting, sehngga menimbulkan hubungan pergaulan kekeluargaan yang jauh lebih meresap diantara para warganya yang seketurunan menurut garis ibu. Sistem kekerabatan ini berlaku pada masyarakat minangkabau.


What You Must Know About Finding A Lawyer

It’s not easy to deal with a personal injury. The upside here is that there are quite a few ways to simplify the process, one of which being following some great tips like the ones you’ll find in this article. Read on and learn some great tips to aide you in your personal injury case.

Be as detailed as possible when describing an accident. Talk about everything from a bruise to a concussion. Don’t forget to include any bruises and scrapes that you discover later on. Keep your mental health into consideration, such as the ability to perform activities.


Look towards your friends and family members for advice on the personal injury attorney to choose. Make sure that they know someone who specializes in this field or who has successfully represented them in the past. This will give you the best chance for success in regards to your particular case.

Seek medical attention. If you find yourself injured, see a doctor as soon as possible. In addition to being good health advice, you will need the doctor’s diagnosis and paperwork from your visit as evidence. Make sure you document everything, and keep copies for yourself. Failing to get medical attention after an accident or injury can actually reduce the award amount in a personal injury case.

If you are looking for a reputable personal injury lawyer, investigate what professional groups and organizations are located close to you. A lot of are dedicated to giving back to the community and thus get involved with organizations in their area. These lawyers are worth hiring and normally come highly recommended.

When you are considering whether to hire a particular personal injury lawyer, make sure you ask questions about their previous case history. How many wins and losses have they had? If they have a history of only obtaining small settlements, or losing a lot of cases, then they probably are not the lawyer for you.

Never hire a divorce lawyer to oversee your personal injury case. This may seem like common sense, but many people feel that the lawyer they’ve already dealt with is great, so why not get them to help? Instead, ask them for a referral for someone who specializes in this type of law.

Personal injury victims often feel utterly daunted by the process of trying to secure compensation from those responsible for their misfortune. Allowing a personal injury attorney to take your case will immediately alleviate some of the stress you are experiencing. Be prepared by keeping this information on hand and easily accessible.

Hipotek Kapal Laut

Perkembangan hukum positif di Indonesia tak pelak banyak dipengaruhi oleh dinamika masyarakat yang berubah dari waktu ke waktu, termasuk dalam rangka menelaah perkembangan kajian ilmu hukum baik dalam sasaran teoritis maupun dalam sasaran praktis, baik yang telah lewat maupun yang akan datang. Dalam ranah hukum, keberlakuan Burgerlijk Wetboek dan Wetboek van Koophandeldi Indonesia masih ada yang diterapkan dan juga tidak diterapkan demi menjaga harmonisasi peraturan yang lahir kemudian agar tidak tumpang tindih (overlapping) dalam konstuksi sistem hukum positif.

Hipotek kapal merupakan hak kebendaan atas kapal yang dibukukan atau didaftarkan diberikan dengan akta autentik agar menjamin tagihan hutang.

Kriteria kapal yang dapat dihipotiek

Bentuk dan jenis yang digerakan dengan tenaga angin, mekanik dan energi lainnya. Termasuk kendaraan dimanis dibawah permukaan air, serta alat apung dan bangunan terapung yang tidak berpindah-pindah. ( diatur dalam UU No. 17 Tahun 2008 tentang pelayaran).

Grosse Akta Hipotek Kapal

  • Diterbitkan 1 untuk pemegang hipotek
  • Menggunakan irah-irah ” Demi keadilan, Berdasarkan ketuhanan yang maha esa”.
  • Memiiki kekuatan eksekutorial seperti putusan hakim

Syarat pendaftaran kapal

  • telah ada deletion certificate dari negara kapal semula terdaftar.
  • telah ada sertifikat dari negara kapal pendaftar yang menyatakan deletion cetificate akan seger diterbitkan saat pendaftaran baru mulai berlaku. Piutang pelayaran prioritasnya diatas mortgage, hipotek dan piutang yang terdaftar ( diatur dalam pasal 316 KUHD).

Unsur Pendaftaran Kapal

  • telah timbul hak kebendaan
  • sebagai jaminan hutang yang sudah ada maupun akan ada
  • objeknya adalah kapal yang beratnya diatas 20 – m3
  • kapal harus dibukukan atau didaftarkan dalam daftar kapal indonesia
  • kapal dapat dibebani dengan lebih dari 1 peringkat hipotiknya. ( diatur dalam pasal 60 UU No. 17 tahun 2008 tentang pelayaran).

hapusnya hipotek kapal

  • hapusnya perikatan pokoknya
  • pelepasan hipotek oleh si berpiutang
  • penetapan hakim

Hipotek atas kredit sindikasi

  • dilakukan beberapa kreditur yang melakukan pembiayaan terhadap satu orang debitur dengan jaminan yang sama.
  • dilakukan dengan menunjuk salah satu agen atau kuasa dari beberapa kreditur sebagai penerima hipotik

Roya hipotik kapal merupakan pencoretan atau hapusnya hipotek dilakukan oleh pejabat dan pencatat balik nama kapal atas permintaan tertulis dari penerima hipotek ( kreditur). Roya dapat dilakukan oleh pemilik kapal dengan melampirkan surat persetujuan pencoretan dari penerima hipotek(kreditur).


Personal Bankruptcy Lawyers And What You Should Know About Them

Filing for bankruptcy is always a hard thing to do. When you start the procedures to file for bankruptcy, you start thinking about all of the wrong things that you did. If you have not filed yet, there is still time to make things right, look through this article and figure out what you can do.

Bankruptcy is a very complicated, and scary process. Usually anyone who applies for it, is at the end of ones rope. To help you feel more in control of things, be sure to educate yourself about the entire process before making your decision. Learn the requirements you have to meet before applying.Learn about what the process will be when you do apply.Finally, learn how your future will be affected by it after you file.


See what you can find out. Each state does have varying laws on the subject of bankruptcy. Because of this, it is important that you meet with a specialized lawyer to discuss whether bankruptcy is right for you. Generally, initial consultations are free to you so you are able to determine which path you should head down at no cost.

Know what debts can be forgiven. You may hear that you have to pay a certain debt, and that it cannot be discharged, but that information will usually be coming from a bill collector. Student loans and child support and a few other debts cannot be discharged, but most others can.

Make a detailed list. Every creditor and debt should be listed on your application. Even if your credit cards do not carry a balance at all, it should still be included. Loans for cars or recreational vehicles should also be included on your application. Full disclosure is imperative during this part of the bankruptcy process.

Make sure that you do everything in your power to avoid bankruptcy. Avoid financial disaster and make sure that you are not going to be embarrassed around friends and family, the next time they talk about their finances and credit history. Hopefully, this article has helped you out.