ABSTRAK
Pelaksanaan lelang mewujudkan harga yang wajar karena menggunakan sistemkompetisi penawaran, dilaksanakan oleh pejabat lelang serta dibuat risalah lelangsebagai akta autentik kepada pemenang lelang. Pelaksanaan lelang eksekusi tidaklepas dari kewajiban debitur yang melakukan perkreditan melalui bank dengansebuah jaminan tanah dan bangunan yang telah diikat dengan Akta Pemberian HakTanggungan. Apabila debitur wanprestasi maka Bank selaku pemegang haktanggungan dapat memohon pelaksanaan lelang. Dalam putusan Pengadilan NegeriBandung Nomor 274/Pdt.G/2013/PN.Bdg, nilai limit atas objek lelang ditetapkanberdasarkan sisa hutang debitur kepada bank. Permasalahan penelitian: penentuannilai limit dalam pelaksanaan lelang eksekusi hak tanggungan dan perlindungandebitur terhadap pelaksanaan lelang eksekusi dengan nilai limit yang tidak wajar.Metode penelitian menggunakan yuridis normatif yang bersifat deskriptif analitisdengan menggunakan pendekatan kualitatif. Simpulan penelitian adalah bahwapenetapan nilai limit yang ditetapkan oleh penilai atau penaksir harus dilakukandengan memperhatikan metode-metode yang juga menjadi pertimbangan olehpenilai sehingga nilai limit yang ditetapkan oleh penaksir dapatdipertanggungjawabkan. Dengan demikian, pelaksanaan lelang eksekusi haktanggungan tidak merugikan debitur. Perlindungan hukum debitur dalampelaksanaan lelang eksekusi yaitu dengan menetapkan nilai limit yang paling tinggipada lelang pertama untuk mendapatkan harga lelang yang setinggi-tingginyamengingat seluruh kewenangan dalam pelaksanaan lelang eksekusi berada padakreditur selaku penjual lelang. Selanjutnya, nilai limit dapat diturunkan secarabertahap pada lelang-lelang berikutnya apabila tidak terdapat pembeli lelang,sampai adanya pembeli lelang.

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ABSTRACT
The purpose of an Auction is to make a real price using a system of offering, thatis executed by the auction attendant and the treatise of the auction is made into anauthentic deed for the auction winner. The execution of an auction is theresponsibility of the one that makes the credit agreement via the bank with acollateral of a land and building that has been bind with the mortgage deed. If theDebitor failed in keeping the contents of the mortgage deed then the bank have therights to start an auction. In a Civil Court Judgement in Bandung Number274/Pdt.G/2013/PN.Bdg, the limit value of an auction item is based on the rest ofthe debt that the Debitor have to the bank. The problems in this research: thedetermination of the limit value in executing an auction and the protection of theDebitor against the over pricing of the limit value. The Research Method used inwriting this thesis is Juridical Normative, with Descriptive Analysis, with aqualitative approach. The conclusion of this research is that the confirmation of thelimit value that was set by the evaluator or the pricing of the item value has to bedetermined by using the methode available which becomes a consideration for theappraiser so that the item value that has been set can be held responsible by theappraiser so the execution of an auction does not cost the Debitor anything. Theprotection of the law for the debitor in executing an auction is to determine thehighest limit value on the first auction to acquire the highest price considering allthe authority in executing an auction falls on the hands of the creditor as the auctionseller. Next the limit value can be dropped step by step on the next auction if thereis no auction buyer, until there is an auction buyer.