Suwarsono, M. A., Maramis, R. A., & Tampongangoy, G. H. (2025). Legal Certainty for Creditors on Subsidized Home Ownership Loan Collateral Based on Law Number 4 of 1996 Concerning Mortgage Rights. POLICY, LAW, NOTARY AND REGULATORY ISSUES, 4(4), 727–744. https://doi.org/10.55047/polri.v4i4.1991