Balik nama sertifikat merupakan salah satu hal yang wajib diurus ketika Anda baru membeli rumah atau bidang tanah dari orang lain.
Bahkan, proses tersebut juga perlu dilakukan oleh Anda yang baru mendapatkan harta warisan dengan objek waris rumah maupun tanah.
Balik nama sertifikat rumah adalah proses mengubah data yuridis atau hak kepemilikan di dalam sertifikat rumah yang menjadi objek jual beli.
Proses ini penting untuk dilakukan agar peralihan hak atas rumah tersebut tercatat secara resmi berdasarkan hukum Indonesia.
Tujuan lainnya tentu untuk menghindari hal-hal yang tidak diinginkan, seperti sengketa maupun penyerobotan tanah.
Pada prosesnya, ada sejumlah syarat dan biaya balik nama yang harus dipersiapkan.
Bahkan, terkait biaya balik nama rumah biasanya terbagi dalam sejumlah komponen.
Lantas, berapa biaya balik rumah? Bagaimana pula prosedur dan syarat yang harus dipenuhi untuk mengajukan balik nama tersebut?
Untuk mengetahuinya, baca ulasan lengkap di bawah ini!
Biaya Balik Sertifikat Nama Rumah Dilansir dari laman Otoritas Jasa Keuangan (OJK), biaya balik nama rumah akan berbeda bagi tiap rumah atau bidang tanah.
Namun, rata-rata besaran biayanya dipatok sekitar 2% dari total nilai transaksi.
Meski begitu, Anda tetap bisa mengetahui estimasi biaya balik nama sertifikat rumah dengan menghitungnya secara pribadi.
Jadi, berapa biaya balik nama sertifikat rumah?
Cara menghitung biaya biaya balik nama sertifikat rumah bisa menggunakan rumus berikut ini:
Nilai tanah (per meter persegi) x luas tanah (per meter persegi) / 1.000
Mari kita asumsikan, Anda membeli sebuah tanah kavling di Vanya Park BSD City seluas 100 meter persegi.
Jika harga tanah tersebut Rp1 juta per meter persegi, biaya administrasinya adalah sebagai berikut:
Rp1.000.000 x 100 : 1.000 = Rp100.000
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Namun, seperti telah disebutkan di atas, itu hanya biaya balik nama sertifikatnya saja.
Pasalnya, pada proses pengurusannya, masih ada sejumlah biaya lain yang harus disiapkan, apa saja?
1. Biaya Penerbitan AJB Selain mempersiapkan dana untuk membayar biaya administrasi balik nama sertifikat tanah, Anda juga perlu mempersiapkan uang untuk penerbitan AJB.
AJB diterbitkan oleh PPAT dengan kisaran biaya penerbitan yang beragam.
Namun, umumnya biaya tersebut dipatok berkisaran 0,5–1% dari total nilai transaksi.
Sementara, proses pembuatan AJB umumnya memerlukan waktu sekitar 1–3 bulan.
2. Biaya Pengecekan Sertifikat Apabila membeli tanah tersebut dari orang lain, maka Anda perlu mengecek keabsahan sertifikatnya ke BPN.
Tujuannya untuk memastikan bahwa sertifikat tanah tersebut asli, dan properti yang akan dibeli tidak dalam status sengketa.
Biaya pengecekan sertifikat tanah dipatok sebesar Rp50 ribu per sertifikat.
3. Biaya Bea Perolehan Hak atas Tanah dan Bangunan (BPHTB) Selain penerbitan AJB, biaya lain yang perlu disiapkan adalah Bea Perolehan Hak atas Tanah dan Bangunan (BPHTB).
Besaran BPHTB adalah 5% dari Dasar Pengenaan Pajak (NPOP-NPOPTKP).
Biaya Balik Nama Sertifikat Rumah Over Kredit
Hasil Simulasi Take Over KPR
Ringkasan KPR saat ini
Angsuran Saat Ini
Rp 0
Angsuran Floating
Rp 0
Sisa Pinjaman KPR
Rp 0
Total Biaya KPR
Rp 0
Rekomendasi Program Take Over KPR
Tahun ke-1 - ke-5
Bunga 2,88%
Angsuran/Bulan Fix
Rp 5.139.376
Total Biaya KPR
Hingga akhir tenor
Angsuran Floating
Setelah 5 tahun pindah kpr (Estimasi Bunga 12%)
Pinjaman Take Over KPR
Jumlah pinjaman yang dialihkan ke bank baru
Estimasi Biaya Lain Take Over
Berkisar 3-6% dari pinjaman Take Over
Tanya Program
Sembunyikan Detail
Lihat Detail
Oops, sepertinya belum ada rekomendasi program take over yang lebih hemat
Coba perbarui data simulasi
Disclaimer : Hasil di atas merupakan angka estimasi, data perhitungan dapat berbeda dengan perhitungan bank. Hubungi kami untuk info lebih lanjut.
Memuat hasil simulasi...
Nah, jika Anda membeli rumah dengan cara over kredit KPR, maka ada sejumlah biaya tambahan yang harus disiapkan, di antaranya:
Akta Pemberian Hak Tanggungan (APHT) sebesar Rp1,2 juta Biaya Surat Kuasa Hak Membebankan Hak Tanggungan sebesar Rp250 ribu
Patut diketahui, pengurusan balik nama rumah over kredit memakan waktu lebih lama.
Jika menggunakan Notaris, biayanya berkisar Rp4–7 juta atau tergantung negosiasi dan kesepakatan masing-masing pihak.
Biaya Balik Nama Rumah Warisan
Seperti telah disinggung sebelumnya, balik nama sertifikat juga perlu dilakukan oleh ahli waris yang mendapatkan harta warisan berupa rumah atau tanah.
Tata cara dan persyaratan balik nama sertifikat tanah untuk rumah warisan sejatinya tidak berbeda dengan pengurusan balik nama sertifikat karena jual beli.
Hanya saja, dalam persyaratan dokumen, pemohon wajib menyertakan Surat Keterangan Waris (SKW) dan surat kematian pewaris.
Begitu pula dengan biaya balik nama rumah warisan, kisaran dan rincian biayanya tidak berbeda dengan biaya balik nama rumah karena jual-beli.
Namun, jika pendaftaran peralihan hak waris diajukan dalam waktu 6 bulan sejak tanggal meninggalnya pewaris, maka pemohon tidak akan dipungut biaya pendaftaran.
Cara Balik Nama Sertifikat Rumah secara Mandiri
Balik nama sertifikat rumah bisa dilakukan di kantor ATR/BPN setempat.
Setelah itu, isi dan tanda tangani formulir permohonan balik nama, lalu serahkan dokumen tersebut kepada petugas.
Namun, penting untuk diketahui bahwa ada sejumlah dokumen syarat balik nama sertifikat rumah yang harus disiapkan, meliputi:
Syarat Balik Nama Sertifikat Rumah
Surat kuasa apabila dikuasakan. Fotokopi identitas pemohon (KTP, KK) dan kuasa apabila dikuasakan, yang telah dicocokkan dengan aslinya oleh petugas loket. Fotokopi akta pendirian dan pengesahan badan hukum yang telah dicocokkan dengan aslinya oleh petugas loket, bagi badan hukum. Sertifikat asli. Akta Jual Beli (AJB) dari PPAT Fotokopi KTP dan para pihak penjual-pembeli dan atau kuasanya. Izin pemindahan hak apabila di dalam sertifikat/keputusannya dicantumkan tanda yang menyatakan bahwa hak tersebut hanya boleh dipindahtangankan jika telah diperoleh izin dari instansi yang berwenang. Fotokopi SPPT (surat pemberitahuan pajak terutang) dan PBB (Pajak Bumi Bangunan) tahun berjalan yang telah dicocokkan dengan aslinya oleh petugas loket, penyerahan bukti SSB (BPHTB/bea perolehan hak atas tanah dan bangunan) dan bukti bayar uang pemasukan (pada saat pendaftaran hak).
Persyaratan tersebut harus dibawa ketika Anda mengurus balik nama sertifikat ke BPN.
Serahkan dokumen kepada petugas, berbarengan dengan penyerahan formulir permohonan yang sudah diisi dan ditandatangani.
Setelah itu, BPN akan memproses permohonan balik nama tersebut.
Jika sudah selesai, BPN akan mencoret nama pemegang hak lama dan menggantinya dengan yang baru di buku serta sertifikat tanah .
Menyoal proses balik nama rumah, Anda mungkin bertanya, berapa lama proses balik nama sertifikat rumah?
Biasanya, waktu yang dibutuhkan untuk proses balik nama adalah 14 hari hingga 3 bulan.
Cara Balik Nama Sertifikat Rumah melalui Notaris
Selain mengurus secara mandiri ke BPN, Anda juga bisa mengurusnya dengan meminta bantuan notaris sebagai perwakilan.
Cara balik nama rumah lewat notaris adalah, Anda tinggal mendatangi kantor notaris yang sudah ditunjuk.
Sampaikan maksud penggunaan jasa, lalu serahkan persyaratan yang sudah disebutkan di atas.
Setelah itu, notaris akan mengurus balik nama sertifikat itu ke kantor BPN.
Anda tinggal menunggu diterbitkannya sertifikat tanah yang baru atas rumah tersebut.
Hanya saja, jika mengurus balik nama sertifikat via notaris, Anda akan dikenakan biaya notaris balik nama rumah.
Adapun terkait berapa lama proses balik nama sertifikat tanah di notaris, kisaran bisa mencapai 30 hari hingga 3 bulan.
Demikianlah cara menghitung biaya balik nama rumah yang perlu diketahui.
Punya pertanyaan lain seputar properti? Yuk , diskusikan di Teras123 !
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