Sociological Juridical Analysis of The Causing Factors of Purchasing a House with Mortgage and Cash Facilities That Have Not Received a Certificate of Ownership (Study in Balikpapan City)

Certificates are legal evidence that can be accounted for in case of legal problems. There are many problems that occur when the buyer has not yet obtained a certificate of title to the land either with cash payments or those who have completed a mortgage. This research is sociological juridical research with legal sources obtained through interviews and documentation which were conducted and obtained directly from PT. The Ethics & AW of the City of Balikpapan which can practically be used as a reference in the implementation of a house sale and purchase agreement between the seller and the buyer did not go well, which resulted in losses for home buyers. So that the seller in this case has committed an act of default because he has violated the sale and purchase agreement with the buyer, namely not giving a certificate to the buyer who bought in cash or who has completed the mortgage in accordance with the agreement. The master certificate from PT.X is a certificate in the name of the director himself not in the name of the company so that in the split only 4 units are allowed per month. And the master certificate in the name of the company has not yet been renamed to each buyer and the certificate is currently in the process of guaranteeing Mortgage at Bank.