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Persyaratan Terbaru & Tata Cara Over Kredit Rumah Subsidi

Terakhir diperbarui 18 Maret 2024 · 6 min read · by Miyanti Rahman

Over Kredit Rumah Subsidi

Apakah rumah subsidi bisa di takeover? Bolehkah over kredit rumah subsidi sebelum 5 tahun? Rupanya, tidak sedikit orang yang bertanya-tanya soal hal ini.

Ya, kredit rumah subsidi adalah salah satu solusi dari pemerintah untuk memenuhi kebutuhan tempat tinggal layak huni Masyarakat Berpenghasilan Rendah (MBR).

Maka itu, syarat uang muka atau down payment (DP) Kredit Pemilikan Rumah (KPR) subsidi pun rendah. Selain itu, debitur KPR subsidi bebas dari bunga floating.

Harga rumah dijual yang berstatus subsidi juga terjangkau. Anda bisa mendapatkannya dengan budget di bawah 200 jutaan. 

Melalui perumahan tersebut, developer menjual rumah subsidi seharga Wijaya Asri Residence Kota Pakuwon Baru. Bila penasaran seperti apa detailnya, silakan lihat di bawah ini.

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Nah, menjawab pertanyaan apakah rumah subsidi bisa di take over? Jawabannya bisa, tetapi melakukan take over rumah subsidi tidak bisa sebelum 5 tahun.

Lalu bagaimana ya tata cara over kredit rumah subsidi yang sesuai dengan peraturan perundang-undangan yang berlaku? Yuk, simak jawabannya bersama-sama.

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Apa Itu Over Kredit Rumah Subsidi?

Bolehkah Melakukan Over Kredit

Foto: financialexpress.com

Over kredit artinya membeli atau menjual rumah yang masih dalam masa KPR. Jadi bisa dibilang juga pengambilalihan cicilan KPR dari satu pihak ke pihak lain.

Sedangkan oper kredit rumah subsidi adalah pengambilalihan cicilan KPR rumah subsidi dari pemilik pertama ke pihak lain jika debitur awal tidak sanggup melunasi.

Over kredit KPR subsidi tidak boleh dilakukan di bawah tangan.

Sebaiknya Anda melaporkan ke bank, sehingga pergantian debitur dapat dilakukan secara resmi. Cara take over rumah subsidi seperti ini tentu lebih aman.

Selain itu, penting untuk melakukan roya atau pencoretan hak tanggungan. Kemudian buatlah Akta Jual Beli (AJB) antara debitur lama dan debitur baru. 

Lalu, pengikatan kembali atas properti dilegalkan dengan Surat Kuasa Membebankan Hak Tanggungan (SKMHT) dan Akta Pemberian Hak Tanggungan (APHT).

Proses over kredit rumah subsidi wajib dilakukan secara legal, urus dokumen dengan cermat dan lengkap. Berikut penjelasan lebih detail tentang tata caranya.

Baca juga:

5 Cara Punya Rumah dengan Gaji Kecil

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Cara Over Kredit Perumahan Subsidi yang Sesuai Peraturan

Kita tidak bisa melakukan take over rumah subsidi di sembarang bank. Pemerintah secara resmi sudah menunjuk bank yang dapat memfasilitasi proses over kredit KPR subsidi ini.

Bank tersebut bekerja sama dengan Kementerian Pekerjaan Umum dan Perumahan Rakyat (PUPR) dalam penyaluran Fasilitas Likuiditas Pembiayaan Perumahan atau FLPP.

Berdasarkan informasi dari laman resmi Kementerian PUPR, bank yang sudah menjadi mitranya yaitu sebagai berikut.

  • Bank Tabungan Negara (BTN);
  • BTN Syariah;
  • Bank Rakyat Indonesia (BRI);
  • BRI Syariah;
  • Bank Mandiri; dan
  • Bank Negara Indonesia (BNI).

Adapun cara over kredit rumah subsidi melalui bank, meliputi hal-hal berikut ini:

  1. Mendatangi bagian administrasi bank bersama dengan pembeli, lalu ajukan peralihan atau take over kredit.
  2. Ajukan permohonan pengalihan debitur.
  3. Bank akan melakukan persetujuan pengalihan debitur.
  4. Debitur baru lalu menandatangani perjanjian kredit baru atas namanya, beserta dengan AJB dan pengikatan jaminan.

Baca juga:

Begini Cara Mengurus Surat Roya melalui BPN dan Online

Persyaratan Over Kredit Rumah
Persyaratan Over Kredit Rumah
Foto: cnbc.com

Sekarang Anda sudah mengetahui jawaban apakah rumah subsidi bisa di take over. Jika ingin melakukannya, maka ada beberapa syarat yang harus dipenuhi, yaitu sebagai berikut.

  • Kartu identitas seperti Kartu Tanda Penduduk (KTP), paspor atau Kartu Keluarga (KK).
  • Fotokopi Izin Mendirikan Bangunan (IMB).
  • Nomor Pokok Wajib Pajak (NPWP) debitur lama (penjual) dan debitur baru (pembeli).
  • AJB bangunan.
  • Salinan perjanjian kredit yang telah dibuat dan ditandatangani oleh pembeli.
  • Salinan bukti pembayaran pajak.
  • Buku nikah penjual dan pembeli.
  • Surat keterangan gaji kedua belah pihak.
  • Salinan bukti pembayaran cicilan.
  • Salinan sertifikat baru yang distempel bank.
  • Surat kuasa permohonan peralihan hak dan kewajiban dari pemilik rumah lama ke pemilik baru.

Baca juga:

Begini Cara Mengurus Akta Jual Beli Rumah Over Kredit​

Biaya Over Kredit Rumah Subsidi

Proses mengambil alih kepemilikan rumah subsidi tentu membutuhkan biaya tambahan. Besarnya tergantung kebijakan masing-masing bank tempat mengajukan.

Biaya itu meliputi biaya administrasi, provisi, pemeriksaan sertifikat, balik nama dan lain sebagainya. Pada dasarnya tidak jauh berbeda dengan pengajuan KPR baru.

Contohnya saat over kredit KPR BTN, Anda perlu menyiapkan dana untuk appraisal, provisi, asuransi, dan lain-lain. Berikut rincian dana yang perlu diketahui.

Biaya Bank
Appraisal Rp1.500.000
Administrasi Rp0
Proses Rp0
Provisi Rp1.500.000
Asuransi Rp1.500.000
Total biaya bank Rp4.600.000
Biaya Notaris
Akta Jual Beli (AJB) Rp1.550.000
Bea Balik Nama Rp1.550.000
Surat Kuasa Membebankan Hak Tanggungan (SKMHT) Rp775.000
Akta Pemberian Hak Tanggungan (APHT) Rp1.550.000
Perjanjian Rp1.550.000
Cek sertifikat Rp775.000
Total biaya notaris Rp7.550.000

Jadi di luar angsuran per bulan dan DP, Anda perlu menyiapkan biaya bank dan notaris yang kalau dijumlahkan totalnya, yaitu Rp12.150.000.

Kelebihan dan Kekurangan Over Kredit Rumah

Kelebihan Over Kredit Rumah

  • Harga jual yang biasanya lebih murah.
  • Rumah sudah siap huni, karena tidak dalam proses pembangunan.
  • Suku bunga cicilan yang cenderung lebih rendah.
  • SHM lebih aman karena berada dalam pengawasan bank.

Kekurangan Over Kredit Rumah

  • Adanya biaya tambahan untuk memproses dokumen.
  • Jika rumah tidak layak huni, maka harus mengeluarkan biaya renovasi.
  • Prosesnya cukup menyita banyak waktu.

Itulah beberapa penjelasan tentang over kredit rumah subsidi, persyaratan, serta kelebihan dan kekurangannya. Semoga bermanfaat!

Tanya lebih lanjut tentang over kredit rumah subsidi di Teras123!

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