Legal Validity of Electronic Documents Derived from Deeds of Granting Mortgage Rights

Devi Yanti

Abstract


This study examines the legal status and validity parameters of electronic documents derived from the Deed of Granting Mortgage Rights (APHT) within the Electronically Integrated Mortgage Rights Service (HT-el). The study uses a normative juridical method with a statutory approach and a descriptive-analytical specification. Primary, secondary, and tertiary legal materials are examined through qualitative legal analysis, while an interview with an official of the Cirebon Regency Land Office is used as supporting information concerning document examination in practice. The results show that an electronic document derived from an APHT functions as a representation and service requirement rather than as a new deed created entirely electronically. Its validity in HT-el depends on the authenticity of its origin, the authority of the submitting party, integrity, completeness, readability, availability, data conformity, security, and traceability. The Cirebon Regency Land Office examines the electronic document and the draft Electronic Mortgage Rights Certificate before approval. If the documents are incomplete or inconsistent, the PPAT and/or creditor may correct them within the prescribed service period. Failure to correct them results in cancellation of the application and means that the Mortgage Right has not arisen. The study concludes that legal certainty depends on accurate document conformity, careful examination, and a clear allocation of responsibilities among PPATs, creditors, and the Land Office.


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References


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