One of the guarantees of material things is mortgage. This mortgage can be used
as a credit guarantee according to Law Number 4 of 1996 concerning Mortgage
Rights and Land Related Objects. Then the Regulation of The Minister of
Agrarian Affairs and Spatial Planning/Head of The National Land Agency
Number 9 Year 2019 regarding electronically integrated mortgage rights services
article 9 paragraph 5 states that the conditions for registration of mortgage rights
are the debtor's own certificates. The problem of this research is how the
registration of mortgage rights as credit guarantees for the object of the mortgage
right does not belong to the debtor itself in terms of the Regulation of The
Minister of Agrarian and Spatial Planning/Head of The National Land Agency
Number 9 Year 2019. This research uses a normative method which is research
that focuses on positive legal norms in the form of laws and regulations. The
conclusion is that mortgage rights whose objects do not belong to the debtor
cannot be registered through electronic mortgage rights, if it is reviewed from the
Regulation of the Minister of Agrarian Affairs and Spatial Planning/Head of the
National Land Agency Number 9 Year 2019