<![CDATA[Pemberian fasilitas Kredit yang diberikan oleh kreditur kepada debitur dalam proses pengembalian atau pelunasan kredit yang dilakukan oleh debitur tidak semua berjalan lancar, untuk itu dapat terjadi proses lelang online obyek hak tanggungan jika proses pelunasan kredit tidak berjalan lancar. Untuk itu penulis melakukan penelitian ini dengan tujuan mengkaji dan membahas lebih dalammengenai mekanisme pelaksanaan lelang online terhadap obyek hak tanggungan. Adapun metode penelitian yng digunakan dalam penelitian ini adalag penelitian kualitatif dengan pendekatan yuridis-normatif, merupakan sebuah penelitian yang menitikberatkan ilmu hukum normatif. Hasil penelitian ini adalah pelaksanaan lelang online (e-auction) terhadap objek hak tanggungan melibatkan beberapa tahapan penting, yaitu pra-lelang, pelaksanaan lelang, pasca-lelang. Hambatan dalam pelaksanaan lelang online mencakup kekurangan dokumen lelang yang dapat menghambat proses pengajuan, gugatan dari debitur sebelum atau setelah pelaksanaan lelang terkait nilai hasil lelang yang dianggap merugikan debitur, serta kesulitan dalam pengosongan objek lelang yang masih dihuni oleh debitur atau pihak terkait lainnya. Kata Kunci: Lelang Online, Hak Tanggungan, Kredit ABSTRACK The provision of credit facilities provided by creditors to debtors in the process of returning or repaying credit made by debtors does not all run smoothly, for this reason, there can be an online auction process for the object of mortgage rights if the credit repayment process does not run smoothly. For this reason, the author conducts this research with the aim of examining and discussing more deeply the mechanism for implementing online auctions of mortgaged objects. The research method used in this research is qualitative research with a juridical-normative approach, which is a research that emphasizes normative legal science. The result of this research is the implementation of online auction (e-auction) against the object of mortgage rights involves several important stages, namely pre-auction, auction implementation, post-auction. Obstacles in the implementation of online auctions include lack of auction documents that can hinder the submission process, claims from debtors before or after the auction regarding the value of the auction results which are considered detrimental to the debtor, as well as difficulties in vacating auction objects that are still occupied by debtors or other related parties. Keywords: Online Auction, Mortgage, Credit]]>
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