Legal Implications of the Expiry of the Term of Building Use Rights Certificates in Indonesia Which are the Object of Collateral Rights at the Banks

The purpose of this study is to examine the legal implications of expired HGB certificates and to analyze the legal consequences for the parties related to expired HGB certificates that are used as collateral in banking. The research method used is the normative legal research method with a legislative approach and a conceptual approach. The type of data used is secondary data or literature study . Secondary data is library data sourced from primary, secondary, and tertiary legal materials. The results of the study indicate that the expiration of the HGB validity period has a significant legal impact, both for the rights holder and for the original landowner. To avoid the loss of rights to land and buildings standing on it, HGB holders must monitor the validity period of their rights and submit an extension or renewal on time. If the specified time expires, the agreement automatically terminates. Registration of community land rights is very important as a requirement to obtain a certificate as proof of ownership of rights, and can provide legal certainty and avoid conflicts or disputes that occur.