Syarat Jual Beli Rumah untuk Penjual dan Pembeli Terlengkap
r123-share-title
Terakhir diperbarui 13 Nopember 2024 · 5 min read · by Insan Fazrul
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.
Syarat Jual Beli Rumah secara 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.
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.
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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
Rp
-
Rp
Angka minimal harus lebih rendah dari angka maksimal
Tahun
Hasil Simulasi
Memuat hasil simulasi...
Harga Properti MaksimalRp.
3.673.377.053
Angsuran maksimal yang disarankanRp.
30.000.000
Uang muka yang harus disiapkanRp.
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
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)