TINJAUAN TENTANG SURAT KUASA MEMBEBANKAN HAK TANGGUNGAN (SKMHT) P A D A P E R J A N J I A N K R E D I T U S A H A R A K Y A T PT BANK NEGARA INDONESIA (PERSERO) Tbk SKC MAGELANG

This research is a kind of empirical legal research with research tools and guidance interview literature study to obtain data on primary and secondary data. The data were analyzed qualitatively to generate analytical data is descriptive. This study focuses on the obstacles to making the Power of Attorney to Impose Mortgage (SKMHT) Impose Mortgage made. Power of Attorney to a special power The Mortgage Right Deed (APHT). of attorney to make After SKMHT made the PT. Bank Negara Indonesia (Persero) Tbk. SKC Magelang on KUR agreement serves as the insurer and the insured party as well as in The Mortagage Right Deed (APHT). The results showed that the obstacles in extending the Power of Attorney to Impose Mortgage (SKMHT) to The Mortgage Right Deed (APHT) due to cost, duration of the Power of Attorney to Impose Mortgage (three months to SKMHT about land rights that have been certified but not yet listed the transition right , the solution or the merger ( the explanation of Article 15 paragraph ( 4 ) UUHT last paragraph ) and one month for SKMHT regarding land rights are already registered (Article 15 paragraph (3) UUHT)), also obstacles on identity card experation of morgage providers. Resolution efforts undertaken by the bank parties and PPAT is through negotiation costs, making a New Power of Attorney to Impose Mortgage (SKMHT) and ask for a new identity card of the mortgage providers.This is done because the mortgage requires the fulfillment of the principle of specialty, among others, the subject must be clear, the object is clear and secured debt referred to in the explanation of Article 11 paragraph (1) Mortgage Act (UUHT)