Constraints and Solutions Faced in the Electronically Integrated Mortgage Registration Process in the City of Tegal Sample Clauses

Constraints and Solutions Faced in the Electronically Integrated Mortgage Registration Process in the City of Tegal. Various obstacles in the implementation of Electronic Mortgage services based on Ministerial Regulation of ATR/KBPN RI No. 5 of 2020 which has been carried out simultaneously nationally since July 8, 2020, is a challenge for Electronic Mortgage Users, especially PPAT and Creditors including: - Only registered, validated and verified creditors can use the ATR BPN partner application, in fact there are still many banking institutions that have not submitted an application for Electronic HT Service Registration so that as a user you do not have an account that must be registered. - Validation of certificates and the time period for checking certificates of land rights that want to be encumbered with mortgage rights at the Land Office often take a long time and exceed the time period in the SOP for various reasons. - When there is a change in the Creditor's Name, Xxxx and the Revision of Mortgage submitted by the Creditor, the Land Office is slow in responding, so the repair time is over and it is detrimental to the user. - Often the occurrence of server downtime at work-intensive times. - In the subject of debtors who are different from the holders of land rights that are guaranteed, PPAT is often wrong in inputting data on the holders of land rights on the menu for making the Deed of Approval. - Mortgage file which is closed due to rejection and is not immediately repaired by HT Users, both PPAT and Creditors. - Limited human resources on the part of creditors to carry out the task of filling out documents in the HT el system so that creditors delegate these tasks to PPAT and provide access to accounts from creditors. - Giving access to a confidential account by creditors to PPAT is a very risky thing considering that in that account there is a lot of important data from customers and there is a roya facility, it is feared that if there are irresponsible persons, this can be misused. - The lack of understanding of HR from the creditor regarding the confidentiality of the HT el account and the risks that will occur if outside parties from the creditor know the access to the account. - The lack of effectiveness of the socialization carried out by BPN regarding HT el so that important information is not conveyed properly in the implementation of this HT el registration. - If PPAT wants to make APHT with land rights guaranteed but has not yet been certified, this will hinder the HT registration process. The Ministry of ATR/KBPN regarding the problem with the Ele...
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