Ringkasan Artikel:
- Balik nama sertifikat rumah tanpa notaris dapat dilakukan secara mandiri melalui Kantor Pertanahan atau BPN, tetapi jual beli tetap membutuhkan AJB yang dibuat oleh PPAT.
- Syarat balik nama sertifikat rumah meliputi formulir permohonan, KTP, KK, sertifikat tanah asli, AJB, SPPT PBB, serta dokumen pendukung sesuai jenis peralihan hak.
- Cara balik nama sertifikat rumah meliputi pengajuan dokumen, pemeriksaan, pembayaran biaya, perubahan data kepemilikan, hingga pengambilan sertifikat yang telah diperbarui.
- Biaya balik nama sertifikat rumah tanpa notaris mencakup PNBP BPN, biaya pengecekan sertifikat, biaya AJB oleh PPAT, dan BPHTB jika berlaku.
Cara balik nama sertifikat rumah tanpa notaris bisa dilakukan melalui kantor pertanahan dengan mengumpulkan sejumlah syarat, yaitu formulir permohonan, data pemohon, hingga sertifikat tanah asli.
Balik nama sertifikat adalah proses pemindahan status kepemilikan hak atas tanah dan/atau bangunan dari penjual ke pembeli.
Nah, karena dianggap lebih praktis dan aman, banyak orang memilih menggunakan jasa notaris untuk mengurus proses tersebut.
Padahal, balik nama sertifikat rumah tanpa notaris tetap sah dilakukan bahkan dapat menghemat biaya karena Anda tidak perlu membayar jasa notaris.
Bisakah Balik Nama Sertifikat Tanpa AJB?
Proses balik nama rumah dilakukan setelah penerbitan Akta Jual Beli (AJB) oleh Pejabat Pembuat Akta Tanah (PPAT).
AJB merupakan syarat mutlak dalam penerbitan sertifikat oleh Badan Pertanahan Nasional (BPN), termasuk dalam hal balik nama sertifikat.
Oleh karena itu, proses balik nama sertifikat tanah karena jual beli tidak bisa dilakukan tanpa adanya AJB.
Bila rumah yang akan dibaliknamakan diperoleh melalui waris, proses balik nama harus menyertakan Surat Keterangan Waris (SKW) dan surat kematian pewaris.
Sementara itu, apabila rumah didapatkan melalui proses hibah, dokumen yang wajib disertakan adalah akta hibah.
Bagaimana Cara Balik Nama Sertifikat Rumah Tanpa Notaris?
1. Mengunjungi Kantor Pertanahan
Pemohon atau ahli waris harus datang langsung ke kantor BPN atau kantor pertanahan setempat untuk mengajukan permohonan balik nama sertifikat.
Pada tahap ini, pemohon akan mengisi formulir permohonan serta menyerahkan dokumen pendukung seperti:
- Sertifikat tanah asli
- Fotokopi KTP dan KK pemohon
- Surat keterangan waris atau surat hibah (jika ada)
- Akta kematian pemilik lama (untuk kasus warisan)
- SPPT PBB terbaru
2. Verifikasi dan Pemeriksaan Dokumen
Setelah dokumen diserahkan, petugas pertanahan akan melakukan pemeriksaan untuk memastikan:
- Keaslian sertifikat tanah
- Kelengkapan dokumen administrasi
- Kesesuaian data pemilik lama dan pemilik baru
Jika terdapat dokumen yang kurang atau tidak sesuai, pemohon akan diminta melengkapinya terlebih dahulu.
3. Pembayaran Biaya Administrasi
Apabila dokumen dinyatakan lengkap dan valid, pemohon akan diminta melakukan pembayaran biaya administrasi sesuai ketentuan yang berlaku di kantor pertanahan.
Biaya ini biasanya meliputi:
- Biaya pelayanan balik nama
- Biaya pengecekan sertifikat
- Pajak terkait (jika ada)
Besaran biaya dapat berbeda mengacu nilai tanah dan kebijakan daerah.
4. Proses Perubahan Nama Pemilik
Setelah pembayaran selesai, petugas akan memproses perubahan data kepemilikan pada buku tanah dan sertifikat.
Pada tahap ini, nama pemilik lama akan diganti dengan nama pemilik baru sesuai dokumen yang diajukan.
Proses ini umumnya memakan waktu sekitar 5–14 hari kerja.
Baca juga:
Perbedaan HGB dan SHM: Arti, Fungsi, dan Cara Mengubahnya
5. Pengambilan Sertifikat yang Telah Diperbarui
Setelah proses selesai, pemohon dapat mengambil sertifikat tanah yang sudah diperbarui.
Sertifikat tersebut akan menampilkan nama pemilik baru secara resmi dalam data pertanahan.
Dengan demikian, proses balik nama sertifikat telah sah secara hukum dan tercatat dalam sistem pertanahan nasional.
Apa Syarat Balik Nama Sertifikat Rumah di BPN?
- 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).
Berapa Biaya Balik Nama Sertifikat Rumah Tanpa Notaris?
Ada beberapa komponen biaya yang harus dibayarkan oleh pemohon, yaitu:
- Biaya pembuatan sertifikat/biaya administrasi BPN (PNBP): Rumusnya (Nilai Tanah / 1.000) + Biaya Pendaftaran. Contoh untuk tanah senilai Rp500 juta, biayanya sekitar Rp500.000.
- Biaya AJB: Berkisar 0,5% sampai 1% dari nilai transaksi. Walau tanpa jasa pengurusan atau notaris, pembuatan AJB tetap wajib melibatkan PPAT resmi.
- Biaya cek sertifikat: Rp50.000 hingga Rp100.000.
- Pajak BPHTB: Sebesar 5% dikali (Harga Transaksi dikurangi NPOPTKP daerah Anda).
Baca juga:
5 Risiko Membeli Rumah Tanpa Sertifikat dan Tips Beli Properti dengan Aman
Simulasi Biaya Balik Nama Sertifikat Rumah
Misalnya, Iwan membeli rumah di Metland Transyogi dengan harga Rp900 juta.
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Jika demikian, total biaya pembuatan AJB rumah tersebut adalah sebesar Rp9 juta atau 1% dari Rp900 juta.
Selain itu, ada pula biaya administrasi balik nama sertifikat.
Biaya yang dikenakan berbeda untuk setiap pemohon, berdasarkan nilai jual rumahnya.
Adapun rumus perhitungannya adalah sebagai berikut:
- Nilai tanah (per meter persegi) x luas tanah (per meter persegi) / 1.000.
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.
Bisakah Cara Balik Nama Sertifikat Rumah Online?
Proses pendaftaran atau pengajuan balik nama sertifikat rumah tidak bisa dilakukan 100% secara online.
Anda tetap harus menyerahkan berkas fisik ke Kantor BPN setempat.
Namun, Anda bisa memanfaatkan aplikasi resmi Sentuh Tanahku untuk cek persyaratan, simulasi biaya, hingga mendaftarkan antrean online.
Bisakah Balik Nama Sertifikat Tanpa Penjual?
Balik nama sertifikat tanpa penjual bisa dilakukan asalkan AJB atas properti tersebut telah terbit.
Pasalnya, 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.
Tabel Cara Balik Nama Sertifikat Rumah Tanpa Notaris
| Aspek | Keterangan |
|---|
| Tempat pengurusan | Kantor Pertanahan/BPN setempat |
| Notaris | Tidak wajib untuk mengurus balik nama secara mandiri |
| PPAT | Tetap diperlukan untuk membuat AJB dalam transaksi jual beli |
| Dokumen utama | Sertifikat tanah asli; KTP; KK; AJB; SPPT PBB; dan formulir permohonan |
| Warisan | Membutuhkan Surat Keterangan Waris dan surat kematian pewaris |
| Hibah | Membutuhkan akta hibah dan dokumen pendukung lainnya |
| Tahapan | Pengajuan; pemeriksaan dokumen; pembayaran; perubahan data; pengambilan sertifikat |
| Biaya | PNBP BPN; pengecekan sertifikat; AJB; dan BPHTB jika berlaku |
| Pengajuan online | Belum sepenuhnya online karena dokumen fisik tetap perlu diserahkan |
| Tanpa penjual | Bisa dilakukan jika AJB telah terbit dan seluruh persyaratan terpenuhi |
***
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.
FAQ
Apakah bisa balik nama sertifikat rumah tanpa notaris?
Ya, balik nama sertifikat rumah dapat dilakukan secara mandiri melalui Kantor Pertanahan/BPN tanpa menggunakan jasa notaris. Namun, untuk jual beli, AJB tetap harus dibuat oleh PPAT.
Apakah balik nama sertifikat bisa dilakukan tanpa AJB?
Untuk jual beli, balik nama sertifikat tidak dapat dilakukan tanpa AJB karena dokumen tersebut menjadi bukti peralihan hak. Untuk warisan atau hibah, dokumen yang digunakan berbeda sesuai dasar peralihannya.
Apa saja syarat balik nama sertifikat rumah di BPN?
Syarat umumnya meliputi formulir permohonan, KTP dan KK, sertifikat tanah asli, AJB, SPPT PBB tahun berjalan, serta bukti pembayaran BPHTB dan dokumen lain sesuai jenis peralihan hak.
Berapa biaya balik nama sertifikat rumah tanpa notaris?
Biaya bergantung pada nilai tanah dan jenis peralihan hak. Komponennya dapat meliputi PNBP BPN, pengecekan sertifikat, biaya pembuatan AJB oleh PPAT, serta BPHTB jika berlaku.
Apakah balik nama sertifikat rumah bisa dilakukan secara online?
Belum sepenuhnya. Pemohon tetap perlu menyerahkan dokumen fisik ke Kantor Pertanahan. Namun, beberapa layanan seperti pengecekan persyaratan dan antrean dapat dilakukan melalui aplikasi Sentuh Tanahku.
Apakah balik nama sertifikat bisa dilakukan tanpa penjual?
Bisa, selama AJB telah diterbitkan dan seluruh persyaratan administrasi terpenuhi. Pembeli kemudian dapat mengajukan proses balik nama secara mandiri ke Kantor Pertanahan.
Berapa lama proses balik nama sertifikat rumah?
Waktu penyelesaian bergantung pada jenis layanan, kelengkapan dokumen, dan Kantor Pertanahan yang menangani permohonan.
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