Article 15 (3) and (4) of Law No. 4 of 1996 on Mortgage has stated that, Power Mortgage (SKMHT) regarding land rights which have not been registered shall be followed by the enactment of Encumbrance Not later than 3 (three) months after given, and the Power Mortgage (SKMHT) regarding land rights that are already registered shall be followed by the Act of Encumbrance no later than 1 (one) month …