The deed of Power of Attorney to charge Mortgage Right or known as Surat Kuasa Membebankan Hak Tanggungan (referred to as SKMHT) based on the Article 15 paragraph (3) and (4) of the Mortgage Law has a period of time, if the term is expired, the deed will be null and void by law. Then a new SKHMT is issued to replace the old Deed. The provisions regarding validity period of SKMHT harm creditors, thus a legal protection is needed. Therefore, this study further analyzed the ratio legis of void and null status, the formulation of principle of legal protection for creditors and the urgency to develop a new concept of legal protections for creditors due to the SKMHT is being void and null.
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机译：根据第15款（3）段（3）段（3）段（3）段，抵押贷款诉讼（第3）款（3）款，刑士守刑警（第3）款（3）段，须担任抵押贷款权利或称为SHARAT KUASA MEMBEBANKAN Hak Tanggungan已过期，契约将由法律无效。然后发出一个新的Skhmt来取代旧契约。有关SKMHT危害债权人有效期的规定，因此需要进行法律保护。因此，本研究进一步分析了空白和空位的比例，债权人的法律保护原则的制定以及由于SKMHT为债权人为债权人制定新的法律保护概念而无效。
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