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Syarat Jual Beli Rumah untuk Penjual dan Pembeli Terlengkap
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Terakhir diperbarui 13 Nopember 2024 · 5 min read · by Insan Fazrul

syarat jual beli rumah

Proses jual beli rumah tidak seperti transaksi barang lainnya, sebab ada banyak syarat dan administrasi yang harus dipenuhi.

Baik penjual atau pembeli, wajib untuk mengetahui setiap persyaratan jual beli rumah.

Selain syarat, Anda yang berencana membeli rumah dalam waktu dekat mesti tahu proses transaksi jual beli rumah yang aman.

Pasalnya, jual beli rumah melibatkan uang yang tidak sedikit.

Maka itu, syarat dan setiap prosesnya harus dipenuhi secara benar.

Tidak cuma penjual, syarat dan proses jual beli rumah juga penting diketahui pembeli.

Sebagai panduan, simak ulasan lengkapnya di bawah ini.

Tebus Rumah - Harga Miring

Syarat Jual Beli Rumah secara Pribadi 

syarat jual beli rumah pribadi

Telah disebutkan sebelumnya, dalam transaksi jual beli rumah, penjual dan pembeli perlu mengurus beberapa dokumentasi persyaratan.

Jika proses jual beli dilakukan secara pribadi, berikut sejumlah syarat yang diperlukan:

Syarat Dokumen untuk Pembeli

  • Fotokopi KTP/Paspor (fotokopi KTP suami dan istri jika sudah menikah)
  • Fotokopi Kartu Keluarga (KK)
  • Surat nikah
  • Nomor Pokok Wajib Pajak (NPWP)
  • Rekening koran.

Syarat Dokumen untuk Penjual

  • Fotokopi KTP/Paspor (fotokopi KTP suami dan istri jika sudah menikah)
  • Fotokopi Kartu Keluarga (KK)
  • Surat nikah
  • Sertifikat asli hak atas tanah; SHM, SHGB, SHGU, atau SHMSRS.
  • Akta notaris
  • Bukti pembayaran PBB 5 tahun terakhir
  • Nomor Pokok Wajib Pajak (NPWP)
  • Surat bukti persetujuan suami istri
  • Akta kematian (jika pemilik sudah meninggal)
  • Surat Penetapan dan Akta Pembagian Harta Bersama (jika sudah bercerai).

Selain memenuhi persyaratan di atas, bagi Anda yang tertarik untuk menjual rumah dalam waktu singkat, cobalah mengiklankan properti tersebut di situs Rumah123.

Caranya sangat mudah, akses halaman ini dan isi data diri sesuai form yang tersedia.

Setelah semua proses lengkap, maka rumah yang akan dijual siap untuk diiklankan.

HomeOwner_Sambil Selonjoran 1280 x 305

Syarat Jual Beli Rumah di Notaris

syarat jual beli rumah di notaris

Dalam setiap transaksi jual beli rumah, Anda mesti melibatkan notaris atau PPAT yang berwenang menangani perihal tersebut.

Pasalnya, pihak notaris atau PPAT ‘lah yang akan berperan dalam membuat Akta Jual Beli atau AJB.

Dokumen ini dikeluarkan setelah proses jual beli rumah sepenuhnya selesai.

AJB adalah bukti bahwa Anda sudah membeli tanah atau rumah dari pihak penjual secara lunas.

Fungsi AJB sangat krusial dalam sebuah transaksi jual beli rumah. 

Pasalnya, dokumen tersebut akan digunakan sebagai salah satu syarat dalam membuat Sertifikat Hak Milik (SHM).

Selain itu, AJB berfungsi sebagai dokumen atau alat bukti transaksi jual beli properti yang sah di mata hukum. 

Nantinya, PPAT akan melakukan pemeriksaan keaslian sertifikat di kantor pertanahan terlebih dahulu.

Hal ini dilakukan untuk melihat status kepemilikan tanah, serta membuktikan bahwa tanah tersebut tidak dalam sengketa.

Setelah memeriksa sertifikat, penjual diharuskan membayar PPh sedangkan pembeli diharuskan membayar BPHTB.

Lihat juga: Enchante, BSD City

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Berikut rumus perhitungannya:

  • Pajak Penjual = (NJOP / Harga Jual) x 5%
  • Pajak Pembeli = (NJOP / Harga Jual – Nilai Tidak Kena Pajak) x 5%

Pajak-pajak tersebut dibayarkan melalui bank atau kantor pos terdekat.

Setelah melunasi pajak, barulah akta bisa diurus oleh PPAT.

Adapun syarat dalam membuat AJB di notaris atau PPAT adalah:

Penjual

  • Salinan KTP
  • Salinan surat nikah (bila sudah berkeluarga)
  • Sertifikat tanah asli
  • PBB tahun terakhir yang asli
  • Surat tanda terima setoran.

Pembeli

  • Salinan KTP
  • Salinan Kartu Keluarga (KK)
  • Salinan surat nikah (bila sudah berkeluarga)
  • Salinan Nomor Pokok Wajib Pajak (NPWP).

Lihat juga: AERRA at EONNA, BSD City

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Biasanya, proses pembuatan AJB memerlukan waktu sekitar 1–3 bulan.

Jika Anda kesulitan dalam membayar PPh maupun BPHTB, biasanya PPAT akan membantu mekanisme pembayarannya.

Proses pembuatan AJB harus dihadiri oleh pihak penjual dan pembeli, serta disaksikan minimal oleh dua orang saksi.

PPAT akan membacakan dan menjelaskan isi akta, lalu akta tersebut akan ditandatangani oleh pihak penjual, pembeli, saksi beserta PPAT.

Akta dibuat dalam dua rangkap, satu disimpan oleh PPAT dan satunya diserahkan ke kantor pertanahan untuk keperluan balik nama.

PPAT akan menyerahkan berkas AJB selambat-lambatnya 7 hari kerja setelah proses tanda tangan.

Berkas yang akan diserahkan meliputi surat permohonan balik nama, AJB, sertifikat tanah, fotokopi KTP penjual dan pembeli, serta bukti pembayaran PPh dan BPHTB.

Kuitansi Jual Beli Rumah

Selain AJB, ada pula dokumen lain yang cukup penting dalam proses jual beli rumah, yakni surat perjanjian dan kuitansi.

Meski di mata hukum AJB dan SHM lebih kuat dan resmi, tetapi surat perjanjian dan kuitansi jadi dokumen penunjang adanya transaksi jual beli properti.

Dua dokumen ini berisi kesepakatan antara penjual dan pembeli yang melakukan transaksi jual beli.

Jika kamu ingin membuatnya, pastikan surat perjanjian dan kuitansi jual beli rumah diberikan meterai serta tanda tangan sebagai bukti tanda pengesahan.

Fungsi meterai adalah memberikan kekuatan hukum bila mana ada subjek yang melanggar ketentuan pada dokumen tersebut.

Terakhir, Anda harus melibatkan saksi minimal dua orang yang ikut membubuhkan tanda tangan di kedua dokumen tersebut.

Simulasi Kemampuan KPR

Cari tahu kemampuan cicilan KPR berdasarkan penghasilan.

Rp /bulan
Tahun
Hasil Simulasi
Harga Properti Maksimal Rp. 3.673.377.053
Angsuran maksimal yang disarankan Rp. 30.000.000
Uang muka yang harus disiapkan Rp. 734.675.411
*Hasil berdasarkan suku bunga terendah di Rumah123, dan asumsi kamu tidak memiliki cicilan bulanan lain yang berjalan saat ini.

Syarat Jual Beli Rumah KPR

syarat jual beli rumah kpr

Bagi Anda yang berencana membeli rumah dengan KPR, ada pula sejumlah syarat dan dokumen yang harus diperhatikan.

Ini agar pengajuan KPR Anda diterima oleh bank, serta mendapatkan plafon dan tenor sesuai yang diharapkan.

Beberapa syarat membeli rumah melalui KPR, ialah:

  • Berusia 21 tahun dan maksimal berusia 55 tahun saat mengajukan KPR
  • Punya penghasilan tetap dengan masa kerja minimal 1 tahun
  • Melengkapi dokumen pengajuan, seperti;
    • Fotokopi KTP/Paspor (suami dan istri bila sudah menikah)
    • Fotokopi Kartu Keluarga
    • Fotokopi Surat Nikah
    • Surat Keterangan Penghasilan (Slip Gaji)
    • Fotokopi Rekening Koran (kurun waktu 3 bulan terakhir)
    • Fotokopi Surat Izin Usaha
    • Fotokopi NPWP/SPT PPh 21.

Aset-Bank Banner

Syarat Jual Beli Rumah Warisan

Lalu, bagaimana syarat jual beli rumah warisan?

Secara umum, dokumen yang perlu disiapkan hampir sama dengan syarat jual beli rumah secara pribadi, lewat notaris, atau KPR.

Namun, ada beberapa berkas yang perlu diurus oleh pihak penjual terkait dokumen kematian dan ahli waris, berikut detailnya:

  • Surat kematian dan akta kematian yang namanya tercantum dalam SHM
  • Surat Keterangan Hak Waris (SKHW)
  • Dokumen tanah warisan (SHM, IMB/PBG, dan PBB tahun terakhir)

Sementara, untuk calon pembeli, dokumen yang harus disiapkan mirip seperti berkas-berkas dalam pembelian rumah pada umumnya.

Demikianlah sejumlah syarat jual beli rumah untuk pembeli maupun penjual.

Punya pertanyaan lain seputar properti? Yuk, diskusikan di Teras123!

Semoga bermanfaat.

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Simulasi KPR

Hitung pembiayaan kredit rumah dengan bunga KPR terbaik di Rumah123

Rp
%
Rp
Angsuran/bulan mulai dari
Tahun ke-1
Bunga 2.75%
Rp. 1.107.146
Tahun ke-2 dan seterusnya
Estimasi Bunga 12%
Rp. 2.473.122

Simulasi KPR Syariah

Hitung pembiayaan KPR syariah dengan rekomendasi bank terbaik di Rumah123

Rp
%
Rp
Angsuran/bulan mulai dari
Tahun ke 1 dan seterusnya
Margin 9%
Rp. 2.434.240

Bunga KPR Terbaru

Beli properti impian dengan memilih produk KPR terbaik di Rumah123

Bank BRI
Bank BRI
Suku bunga mulai dari2.75%
Tenor Max.25 Tahun
BFI Finance
BFI Finance
Suku bunga mulai dari7.92%
Tenor Max.15 Tahun
Bank DKI
Bank DKI
Suku bunga mulai dari3.97%
Tenor Max.25 Tahun