Cash bertahap adalah salah satu skema pembelian properti selain Kredit Pemilikan Rumah (KPR) dan tunai (cash keras).
Adanya opsi skema pembayaran ini membuat masyarakat lebih mudah memiliki rumah impiannya.
Misalnya, Anda ingin membeli rumah di Grand City Balikpapan atau Morizora, Anda bisa memilih skema cash bertahap agar tidak berat dalam menyediakan uang jumlah besar dalam satu waktu.
Lantas, apa itu cash bertahap? Seperti apa langkah pengajuan jika ingin beli rumah cash bertahap?
Daftar isi konten seputar cash bertahap:
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Apa Itu Cash Bertahap?
Cash bertahap adalah metode pembelian rumah secara tunai dengan tempo bertahap dalam kurun waktu singkat.
Metode pembayarannya seperti cicilan, tapi tanpa adanya bunga seperti pada skema KPR.
Dalam skema pembayaran cash bertahap rumah, tidak ada pihak ketiga atau bank dalam transaksinya. Jadi, pembeli tidak perlu membayar biaya administrasi dan biaya lainnya seperti yang diterapkan pada syarat KPR.
Namun, biasanya dalam perjanjian jual beli rumah cash bertahap, juga terdapat ketentuan uang muka yang besar.
Selain itu, tenor pelunasan cicilannya pun terbilang singkat, hanya 6–36 bulan saja. Jadi, jumlah cicilan yang harus dibayarkan setiap bulannya cukup besar.
Perbedaan Cash Bertahap, Cash Keras, dan KPR
Di Indonesia, kita mengenal adanya skema pembayaran cash keras (tunai), KPR, dan cash bertahap.
Ketiganya memiliki perbedaan pada tempo pelunasan.
Berikut perbedaan selengkapnya:
- Tempo Pelunasan: Pelunasan dalam cash keras biasanya hanya dalam waktu 1 bulan saja. Sementara pada cash bertahap bisa 6-36 bulan. Dan untuk KPR, bisa mencapai 25 tahun.
- Bunga: Hanya skema pembayaran KPR lah yang memberlakukan tambahan bunga dalam setiap cicilan per bulannya. Cash keras dan cash bertahap tak memberlakukan bunga.
- Pihak dalam Transaksi: Dalam transaksi cash bertahap dan cash keras, pihak yang terlibat adalah pembeli dan developer saja. Sementara dalam KPR, transaksi terjadi antara debitur, bank atau lembaga finansial lainnya, dan developer.
Kelebihan Cash Bertahap
- Beli rumah tanpa bayar bunga. Anda cukup mengeluarkan dana seharga rumah dijual, tanpa perlu membayar tambahan suku bunga.
- Cicilan tetap. Tidak ada istilah floating rate yang bisa membuat besaran cicilan bertambah.
- Tidak ada biaya administrasi tambahan seperti pada KPR.
- Beberapa developer ada yang memberlakukan diskon hingga 10 persen jika waktu pelunasannya singkat.
Kekurangan Cash Bertahap
- Harus membayar uang muka atau down payment (DP) dalam jumlah besar.
- Waktu pelunasannya singkat, hanya 6-36 bulan saja. Tidak seperti KPR yang bisa sampai 25 tahun.
- Jumlah cicilan yang harus dibayarkan per bulannya termasuk cukup besar. Ini karena waktu pelunasannya singkat.
Tips Beli Rumah Cash Bertahap
- Pastikan penghasilan Anda per bulan cukup untuk membayar cicilan cash bertahap. Disarankan, cicilan tersebut tidak lebih dari 30 persen penghasilan bulanan.
- Pastikan developer-nya memiliki reputasi dan kredibilitas yang baik. Pasalnya, transaksi dilakukan hanya antara pembeli dengan developer.
- Pastikan tidak ada utang lain saat mencicil rumah secara cash bertahap per bulannya. Jika ada, sebaiknya lunasi dulu utangnya.
- Pastikan untuk berkomitmen membayar cicilan cash bertahap sampai selesai. Kalau tidak bisa berkomitmen, lebih baik ambil pembayaran secara tunai.
- Apabila masih ada hal yang bingung, Anda bisa bertanya kepada ahli perencana keuangan atau ahli properti.
Tertarik beli rumah cash bertahap? Yuk, ketahui langkah-langkahnya berikut ini.
Langkah Pembelian Rumah Cash Bertahap
1. Cari Info dan Survei Lokasi Properti
Ketika Anda ditawari oleh agent sales untuk membeli properti dengan potongan harga murah, sebaiknya jangan langsung tergiur.
Pastikan dulu produk yang ditawarkan memang ada, lalu perhatikan track record developer hingga legalitas proyeknya.
Tentu saja ini sangat penting, untuk menghindari modus penipuan properti yang sering terjadi saat ini.
Setelah dirasa benar, selanjutnya Anda bisa membuat janji temu dengan pihak marketing untuk melakukan survei unit.
Nah saat survei, jangan lupa perhitungkan jarak rumah yang dibeli dengan fasilitas publik dan transportasi sekitar.
Tanyakan juga kepada penduduk sekitar, apakah properti tersebut masuk dalam kawasan bebas banjir atau tidak.
2. Surat Pemesanan Rumah
Jika Anda sudah yakin untuk membelinya, pihak pengembang akan menjabarkan total biaya, cara pembayaran, dan waktu pembayaran.
Di fase ini, sebaiknya ceritakan mengenai kondisi finansial Anda.
Kemudian, tanyakan bagaimana jika pembayaran macet di tengah jalan beserta konsekuensinya.
Apabila sepakat, pengembang akan membuat surat pemesanan rumah yang memuat identitas pembeli, unit, uang muka, hingga tenor cicilan ke developer.
Baca juga:
Jangan Asal Pilih, Ini 5 Cara Mengecek Legalitas Developer
3. Pembayaran Booking dan Uang Muka
Untuk poin ketiga ini, Anda harus tahu besaran uang muka yang wajib dibayarkan sesuai tanggal yang telah disepakati.
Misalnya, Anda membeli rumah dijual di Malang seharga Rp600 juta dengan yang muka 30% dari harga hunian.
Maka, biaya uang muka yang harus dibayarkan adalah Rp180 juta.
Setelah selesai membayar fee uang muka, mintalah kuitansi pembayaran kepada pihak developer.
Kuitansi ini berguna sebagai tanda bukti pembayaran resmi, yang disertai materai dan tanda tangan pihak developer.
4. Setor Tunai Bertahap
Jika sudah membayar biaya booking dan uang muka, selanjutnya bayar sisa cicilan rumah tersebut sesuai tenor yang telah ditetapkan.
Ada banyak pilihan cicilan cash bertahap, mulai dari cash bertahap 60 kali maupun 120 kali, tergantung dari kesepakatan bersama.
Saat melakukan transaksi pembayaran, cek kembali nomor rekening developer, apakah nama penerimanya berstatus PT atau perorangan.
Langkah kecil ini wajib Anda perhatikan, demi menghindari developer bodong yang saat ini banyak berkeliaran.
Setelah itu setiap kali melakukan transaksi, Anda wajib meminta bukti pembayaran yang dikeluarkan oleh developer.
5. Pelunasan dan Tanda Tangan AJB
Proses penandatanganan Akta Jual Beli atau AJB sendiri dilakukan di hari yang sama saat pelunasan.
Biasanya pihak developer akan menghubungi pembeli untuk datang ke kantor notaris, yang tentunya sudah ditunjuk sebelumnya.
Penandatanganan ini dilakukan dihadapan pejabat pembuat akta tanah atau PPAT agar menjadi sah.
Selain itu, Anda perlu mempersiapkan beberapa syarat penunjang, seperti kuitansi pembayaran, PPh, serta biaya notaris dan PPAT.
6. Proses SHM dan Balik Nama
Foto: Tirto
Langkah selanjutnya yang perlu Anda lakukan setelah proses AJB, ialah mengurus peralihan AJB ke SHM.
Untuk proses ini, Anda bisa mengajukannya secara pribadi ke Badan Pertanahan Negara (BPN) dengan biaya sekitar Rp780 ribu.
Durasi pembuatan Sertifikat Hak Milik atau SHM secara mandiri memakan waktu sekitar 1–2 bulan.
Apabila tidak ingin repot, pihak PPAT bisa membantu mengurus segala keperluan seperti balik nama sertifikat.
Sertifikat dengan nama pemilik baru diperkirakan selesai dalam waktu 14 hari kerja.
Jika langkah-langkah di atas telah dilaksanakan, maka Anda sudah sah membeli rumah menggunakan metode cash bertahap.
Baca juga:
Prosedur Beli Rumah Cash dari Developer yang Wajib Diketahui
7. Mengurus IMB
Proses terakhir yang tidak boleh Anda lupakan adalah mengurus Izin Mendirikan Bangunan atau IMB.
Proses pengurusannya sendiri memakan waktu 3 minggu, 6 bulan, hingga 1 tahun. Hal ini tergantung kebijakan masing-masing kantor.
Bila diurus secara pribadi, Anda perlu menyiapkan ongkos sebesar Rp1 juta. Syarat-syarat yang dibutuhkan untuk mengurus IMB, ialah:
- Membawa semua sertifikat
- Fotokopi KTP, KK, NPWP
- Fotokopi dan dokumen asli SHM
- Bukti bayar Pajak Bumi dan Bangunan (PBB)
- Fotokopi dan dokumen asli AJB.
***
Semakin lengkap syarat yang Anda penuhi, maka semakin cepat pula proses pengajuan IMB selesai.
Sejauh ini, Anda sudah mengetahui informasi seputar cash bertahap, mulai dari pengertian, perbedaan dengan KPR dan cash keras, tips, hingga langkah-langkah pembelian rumahnya.
Bagaimana? Sudah mendapatkan informasi yang cukup mengenai cash bertahap?
Jika belum, Anda bisa bertanya seputar pembelian rumah atau topik apa pun terkait properti melalui forum Teras123!
Di forum tersebut, Anda bisa berdiskusi dengan member lainnya atau dengan ahli properti.
Atau, Anda juga bisa mencari rumah turun harga apabila ingin membeli hunian dengan banderol terjangkau.
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