Apakah boleh melakukan cara balik nama sertifikat rumah tanpa notaris? Tentu saja bisa, asal mengerti tahap demi tahapnya.
Secara umum, balik nama sertifikat adalah proses pemindahan status kepemilikan hak atas tanah dan/atau bangunan dari penjual ke pembeli.
Biasanya, karena dianggap lebih praktis dan aman, orang-orang menggunakan jasa notaris untuk mengurus proses tersebut.
Padahal, cara balik nama sertifikat rumah tanpa notaris sah-sah saja untuk dilakukan.
Bahkan, metode ini terbilang menguntungkan karena Anda tidak perlu mengeluarkan kocek untuk membayar jasa notaris.
Lalu, bagaimana cara balik nama sertifikat rumah tanpa notaris yang benar?
Simak ulasan lengkapnya di bawah ini.
Cara Balik Nama Sertifikat Rumah Tanpa Notaris
Proses balik nama rumah dilakukan setelah penerbitan Akta Jual Beli (AJB) oleh Pejabat Pembuat Akta Tanah (PPAT).
Patut diketahui, AJB merupakan syarat mutlak dalam penerbitan sertifikat oleh Badan Pertanahan Nasional (BPN), termasuk dalam hal balik nama sertifikat.
AJB adalah dokumen yang membuktikan terjadinya peralihan kepemilikan tanah dan/atau bangunan melalui jual-beli.
Ini sesuai dengan Peraturan Pemerintah (PP) No.37 tahun 1998 pasal 2 ayat 1 yang berbunyi
“AJB dibuat oleh PPAT bukan notaris ataupun BPN.”
Proses pembuatan AJB umumnya memerlukan waktu sekitar 1–3 bulan.
Jadi, jika ada pertanyaan soal bisakah membuat sertifikat tanah atau rumah tanpa AJB, jawabannya tidak.
Bila rumah yang akan dibaliknamakan diperoleh melalui waris, maka proses balik nama harus menyertakan Surat Keterangan Waris (SKW) dan surat kematian pewaris.
Sementara, apabila rumah didapatkan melalui proses hibah, maka dokumen yang wajib disertakan adalah akta hibah.
1. Syarat Balik Nama Sertifikat Rumah di BPN
Sebelum bertandang ke BPN, pemohon harus terlebih dahulu mempersiapkan sejumlah berkas demi keperluan administrasi.
Agar tidak salah, berikut syarat balik nama sertifikat tanah maupun rumah melalui proses jual beli, waris, atau hibah:
- Formulir permohonan yang sudah diisi dan ditandatangani pemohon atau kuasanya di atas materai cukup.
- Surat Kuasa apabila dikuasakan.
- Fotokopi identitas pemohon/pemegang dan penerima hak (KTP, KK) serta kuasa apabila dikuasakan, yang telah dicocokkan dengan aslinya oleh petugas loket.
- Surat pernyataan perubahan nama dari yang bersangkutan, diketahui kepala desa/lurah dan camat setempat.
- Fotokopi akta pendirian dan pengesahan badan hukum yang telah dicocokkan dengan aslinya oleh petugas loket kantor BPN (khusus bagi badan hukum).
- Sertifikat Tanah Asli dan AJB dari PPAT.
- Surat Keterangan Waris dan surat kematian pewaris (untuk balik nama sertifikat karena waris).
- Akta hibah dan NPWP apabila nilai SPPT PBB objek tanah dan/atau bangunan di atas Rp60.000.000 (untuk balik nama sertifikat karena hibah).
- Izin pemindahan hak (apabila di dalam sertifikat/keputusannya dicantumkan tanda yang menyatakan, bahwa hak itu hanya boleh dipindahtangankan jika telah diperoleh izin dari instansi yang berwenang).
- Fotokopi SPPT PBB tahun berjalan yang telah dicocokkan dengan aslinya oleh petugas loket.
- Bukti SSB (BPHTB) dan bukti bayar uang pemasukan (saat pendaftaran hak).
2. Proses Balik Nama Sertifikat Rumah di BPN
Setelah menyiapkan berkas yang dibutuhkan, pemohon bisa langsung mendatangi kantor Badan BPN setempat.
Alur pengajuannya terbilang cukup simpel, berikut tahapannya:
- Serahkan dokumen persyaratan kepada petugas di loket pelayanan
- Petugas akan memeriksa kelengkapan dokumen persyaratan secara saksama
- Bila sudah tidak ada masalah, pemohon tinggal mengunjungi loket pembayaran untuk membayar biaya pendaftaran
- Pemohon tinggal menunggu sertifikat diterbitkan ulang sekitar 5 hari kerja.
3. Biaya Balik Nama Sertifikat Rumah Tanpa Notaris
Lantas, berapa biaya balik nama sertifikat tanah atau rumah tanpa notaris?
Setidaknya ada beberapa biaya yang harus dibayarkan oleh pemohon, yaitu:
Pembuatan AJB dikenai biaya sebesar 1% dari nilai transaksi.
Misalnya, Iwan membeli rumah di Metland Transyogi dengan harga Rp 900 juta.
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Jika demikian, total biaya pembuatan AJB rumah tersebut adalah sebesar Rp9 juta atau 1% dari Rp900 juta.
Angka ini masih bisa dipangkas karena harga pembuatan AJB dapat ditawar.
Sementara, biaya cek sertifikat dikenakan tarif Rp50 ribu per sertifikat hak atas tanah.
Selain itu, ada pula biaya administrasi balik nama sertifikat.
Biaya yang dikenakan berbeda untuk setiap pemohon, tergantung nilai jual rumahnya.
Adapun rumus perhitungannya adalah sebagai berikut:
- Nilai tanah (per meter persegi) x luas tanah (per meter persegi) / 1.000.
Agar lebih jelas, mari kita kembali pada contoh kasus Iwan.
Asumsikan, bila rumah yang Iwan beli memiliki Nilai Jual Objek Pajak (NJOP) sebesar Rp 1 juta, dengan luas tanah 100 meter persegi.
Jika begitu, biaya balik nama sertifikat yang harus dibayar Iwan adalah sebagai berikut:
- Rp1.000.000 x 100 : 1.000 = Rp100 ribu
Ditambah dengan biaya penerbitan sertifikat sebesar Rp25 ribu, total biaya balik nama sertifikat rumah tersebut adalah Rp125 ribu.
Cara Balik Nama Sertifikat Rumah Online
Sejauh ini, belum ada informasi mengenai cara balik nama sertifikat rumah online.
Karena itu, proses pengurusannya harus dilakukan secara langsung dengan mendatangi BPN atau kantor pertanahan setempat.
Meski begitu, sejumlah kantor pertanahan sudah memiliki sistem pendaftaran balik nama sertifikat secara online.
Namun, hal tersebut hanya untuk pendaftarannya saja, prosedur pengurusan lain tetap harus dilakukan secara langsung.
Bisakah Balik Nama Sertifikat Tanpa Penjual?
Lalu, bisakah balik nama sertifikat tanpa penjual?
Jawabannya bisa, asalkan AJB atas properti tersebut telah terbit.
Pasalnya, seperti disebutkan, AJB merupakan bukti konkret terjadinya peralihan hak atas tanah dan bangunan yang menjadi objek jual-beli.
Karena itu, dalam proses pengurusan balik nama sertifikat, Anda tidak perlu mengajak penjual atau pemilik properti sebelumnya.
Anda bisa langsung datang ke BPN atau kantor pertanahan setempat untuk melakukan balik nama sertifikat secara mandiri.
Itulah cara balik nama sertifikat rumah tanpa notaris beserta syarat dan biayanya.
Punya pertanyaan lain seputar properti? Yuk, diskusikan di Teras123!
Semoga informasi ini bermanfaat.
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