Untuk menjamin pengembalian pinjaman yang diberikannya, kreditur khususnya perbankan mensyaratkan adanya agunan. Dana perkreditan sangat penting dalam kegiatan perekonomian, maka sudah semestinya jika pemberi dan penerima kredit serta pihak lain yang terkait mendapat perlindungan melalui suatu lembaga hak jaminan yang kuat dan yang dapat memberikan kepastian hukum bagi pihak yang berkepentingan. Berakhirnya jangka waktu HGB yang dijaminkan, menyababkan hak atas tanahnya hapus dan Hak Tanggungan yang membebaninya juga ikut hapus. Tujuan dari penelitian ini adalah untuk mengetahui bagaimana perlindungan hukum terhadap kreditur pemegang Hak Tanggungan dengan obyek Hak Guna Bangunan yang berakhir sebelum Hak Tanggungannya berakhir. Dalam penelitian ini penulis menggunakan pendekatan secara yuridis empiris yang menggunakan data sekunder dan data primer yang kemudian dianalisis. Berdasarkan hasil penelitian, berakhirnya jangka waktu HGB mengakibatkan hapusnya Hak Tanggungan yang membebaninya, sehingga dapat dihindari melalui perpanjangan jangka waktu HGB sebelum berakhir. Dalam menerima jaminan yang berstatus Hak Guna Bangunan, bank perlu berhati-hati, terutama yang jangka waktunya akan berakhir. Oleh karena itu bank hendaknya selalu memonitor agar permohonan perpanjangan haknya dilakukan paling tidak dua tahun sebelum hak tersebut berakhir.

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To guarantee the given payment of loan, the creditor reuires the existence of collateral. Credit fund is very important in the economic activities, therefore, it is in proper that the provider and receiver of credit and other parties related to it receive protection through a strong Security Right institution that is able to provide legal surety for the concerning parties. When the Building Utility Rights is ended, it will cause the loss of its land right and there by Rights Responsibility will also loss but the debt will still remain.

The goal of this research is to figure it out of the ending period of Building Utility Rights and using land with Building Utility Rights as the object where its period will be ended before the redit come to its due time, while Building Utility Rights is over. In this research, the approach ia using empirical jurisdiction and is using the secondary data and primary data and then it will be analyzed.

Based on research, at the end of Building Utility Rights will caused the loss of guarantee rights, to avoid this the land owner must extend the rights before it will ended. In accepting the security with the status of Concession Right, the bank need to be careful, especially if the term of the security will be overdue. Therefore, the bank should monitor this so that the request of the renewal of right is conducted at least two years prior to the end of right, so that, the conducted credit agreement is still covered with the security given by the debtor.