Tidak ingin punya beban kredit hingga puluhan tahun? Jika demikian, Anda wajib mengetahui cara dan tips membeli rumah cash keras yang aman.
Cash keras merupakan salah satu skema pembayaran untuk mendapatkan hunian impian dengan cara cepat dan mudah.
Metode ini mengharuskan Anda membayar biaya pembelian rumah secara tunai, tanpa perlu mengajukan KPR atau melalui kredit bank.
Karena itu, metode cash keras dapat menghindarkan Anda dari lilitan bunga Kredit Pemilikan Rumah (KPR) yang cukup besar.
Namun, membeli rumah secara tunai sangat rentan terhadap tindak penipuan.
Untuk menghindarinya, simak cara dan tips membeli rumah cash keras di bawah ini.
Tips Membeli Rumah Cash Keras
1. Pilih Pengembang yang Kredibel
Pertama, pilihlah pengembang atau agen properti tepercaya saat membeli rumah dengan metode cash keras.
Memang terdengar klise, tetapi cara ini membuat Anda terhindar dari oknum pengembang nakal yang menawarkan proyek bodong.
Bagaimana cara menilai kredibilitas pengembang properti? Lihat portofolio proyeknya, lalu baca berbagai review terkait pengembang tersebut di internet.
Biar lebih valid, Anda bisa cek kredibilitas pengembang properti melalui laman https://sireng.pu.go.id.
Anda juga bisa mengecek daftar pengembang properti tepercaya yang tercatat di Bursa Efek Indonesia, contohnya Sinar Mas Land yang memiliki portofolio proyek di berbagai daerah Tanah Air.
Beberapa proyeknya antara lain perumahan Tanakayu, Enchante, atau Eonna BSD City yang bisa dibeli dengan cash keras.
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2. Buatlah PPJB saat Bertransaksi
Setelah mendapatkan pengembang dan developer yang tepat, berikutnya Anda mesti membuat Pra-perjanjian Jual Beli atau PPJB.
Biasanya, dokumen ini dibuat setelah Anda melunasi booking fee.
Seperti namanya, PPJB memuat peraturan pembayaran serta beberapa informasi seperti harga rumah, nama pembeli, dan waktu pengerjaan rumah.
Dengan adanya PPJB, hak dan kewajiban pembeli maupun penjual dapat terlindungi serta dipertanggungjawabkan.
3. Membuat AJB dan SHM
Langkah berikutnya adalah membuat Akta Jual Beli atau AJB.
Akta jual beli sangat dibutuhkan untuk mengurus berbagai dokumen penting, seperti PBB, biaya administrasi, PPN, dan lain-lain.
Dokumen ini bisa dibuat oleh notaris atau Pejabat Pembuat Akta Tanah (PPAT).
Jika sudah, barulah Anda bisa mendapatkan dokumen legalitas rumah seperti Sertifikat Hak Guna Bangunan (SHGB) atau Sertifikat Hak Milik (SHM).
4. Gunakan Jasa Agen Properti
Supaya lebih aman, Anda bisa menggunakan jasa agen properti saat membeli rumah dengan cash keras.
Agen properti memiliki pengetahuan mumpuni terkait proses jual beli rumah, sehingga dapat membantu Anda menghindari tindak penipuan.
Selain itu, database listing yang dimiliki oleh agen juga lengkap, sehingga berguna dalam membantu Anda menemukan hunian terbaik sesuai kebutuhan.
Andai dalam prosesnya Anda mengalami kendala, agen tidak akan segan untuk memberi solusi konkret dalam mengatasi masalah tersebut.
Namun, perlu diingat, sebaiknya pilih agen properti tepercaya yang berada di bawah naungan perusahaan atau memiliki lisensi khusus, ya.
5. Hindari Membeli Properti Inden
Tips membeli rumah cash selanjutnya adalah hindari proses inden.
Rumah inden sebenarnya mempunyai banyak keuntungan, seperti harganya yang lebih murah ketimbang rumah siap huni.
Namun, membeli rumah inden dengan cash keras cukup berisiko.
Pasalnya, terkadang ada saja pengembang yang gagal menyelesaikan proyeknya karena terkendala sengketa atau penipuan.
Maka itu, jangan mudah tergiur harga murah jika membeli rumah cash keras.
Sebaiknya pilih rumah ready stok atau rumah yang sudah jadi saja.
Sebagai referensi, unit rumah siap huni di Cherry Field atau Wisata Bukit Mas bisa dipilih sebagai opsi terbaik.
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6. Negosiasi Harga ke Pengembang
Tips membeli rumah cash keras selanjutnya adalah, pastikan Anda melakukan negosiasi harga dengan pengembang.
Lakukan negosiasi dengan meminta potongan harga.
Biasanya, potongan yang diberikan bisa mencapai 10–15%.
Negosiasi harga bisa pula Anda lakukan saat membeli rumah melalui agen atau penjual rumah biasa.
Jangan sungkan untuk menawar, siapa tahu Anda bisa mendapatkan harga terbaik untuk rumah idaman.
7. Membayar Booking Fee
Tips membeli rumah cash yang terakhir, pastikan untuk membayar booking fee saat hendak membeli rumah cash keras.
Booking fee atau biasa disebut sebagai uang tanda jadi, merupakan sebuah kesepakatan untuk melakukan transaksi jual beli properti.
Anda bisa membayar booking fee sebagai komitmen dan keseriusan dalam membeli rumah tersebut.
Nilai booking fee tidak bisa dipastikan, tergantung kebijakan atau kesepakatan pengembang dan pembeli.
Kenapa hal ini jadi perhatian? Alasannya agar rumah incaran Anda tidak dilepas ke tangan orang lain.
Demikianlah cara dan tips membeli rumah cash keras yang bisa Anda praktikkan.
Punya pertanyaan seputar properti? Yuk, ngobrol bareng di Teras123!
Semoga bermanfaat.