This study aims to analyze the differences in the mortgage rights laws between Indonesia and Netherlands. In the mortgage right, other material rights can be given i.e., tenancy rights which the writer analyses from the laws of each country.This study uses normative legal research that refers to the legal norms contained in the legislation. The legislative approach is to conduct research based on the law as the basis of this research and to collect data using the library research method.The result of this research; there are different laws regarding mortgage rights in Indonesia and Netherlands, and these two material rights are rights that can be diverted and can be laden with tenancy rights by fulfilling their respective terms and conditions.