Membeli rumah lelang adalah salah satu opsi yang bisa dipilih jika Anda sedang mencari hunian berkualitas dengan harga murah.
Cara beli rumah lelang memang agak berbeda dari jual-beli rumah pada umumnya.
Karena itu, penting untuk mengetahui prosesnya sebelum mengikuti pelelangan rumah.
Selain menghindari kerugian, mengetahui cara membeli rumah lelang juga penting agar Anda tidak tertipu oknum penjual nakal.
Lantas, bagaimana cara jual beli rumah lelang yang benar? Sebelum membahas hal tersebut, ketahui dulu pengertian dari rumah lelang di bawah ini.
Apa Itu Rumah Lelang Bank?
Foto: Medcom
Rumah lelang bank adalah rumah yang disita oleh bank akibat debitur tidak mampu melunasi cicilan kreditnya, misalnya seperti Kredit Pemilikan Rumah (KPR).
Secara umum, lelang rumah tidak berbeda dengan pengertian lelang pada umumnya.
Pada prosesnya, bank akan mengumumkan daftar rumah yang akan dilelang melalui situs lelang online masing-masing bank.
Sementara, proses lelang rumah sendiri dilakukan di Kantor Pelayanan Kekayaan Negara dan Lelang (KPKNL) kelas satu.
KPKNL adalah instansi vertikal Direktorat Jenderal Kekayaan Negara yang berada di bawah dan bertanggungjawab langsung kepada Kepala Kantor Wilayah.
Selain di kantor KPKNL, proses lelang juga bisa dilakukan lewat situs lelang.go.id, di mana pengajuan dan penawaran harganya dilakukan secara tertulis.
Di Indonesia, sejumlah bank yang cukup sering menawarkan rumah lelang adalah BTN, BRI, BNI dan Bank Mandiri. Ada sejumlah pilihan rumah lelang Mandiri yang bisa Anda temukan di Rumah123.
Begini Cara Beli Rumah Lelang dari Bank
Jadi, jika Anda tertarik membeli rumah lelang, ada baiknya terlebih dahulu mengunjungi situs dari bank-bank tersebut.
Hal ini dilakukan demi mengetahui informasi ketersediaan rumah lelang, beserta prosedur pengajuan yang berlaku di masing-masing bank.
Selain rumah, properti lain seperti tanah, apartemen, rumah toko (ruko), dan gedung perkantoran pun dapat dibeli dengan skema lelang.
Berikut tata cara membeli rumah lelang bank secara umum.
1. Kumpulkan Informasi tentang Rumah Lelang Bank
Mengumpulkan informasi terkait ketersediaan rumah lelang adalah hal paling esensial ketika hendak membeli hunian tersebut.
Informasi terkait rumah lelang bisa didapatkan di sejumlah situs, salah satunya situs Lelang Indonesia.
Di situs milik Direktorat Jenderal Kekayaan Negara (DJKN) itu, Anda bisa menemukan berbagai jenis properti yang sedang dilelang, mulai dari rumah hingga gedung.
Selain itu, Anda juga bisa mengumpulkan informasi terkait ketersediaan rumah lelang di website sejumlah bank.
Misalnya hendak membeli rumah lelang BTN, maka Anda bisa mengunjungi situs rumahmurah.btn.co.id.
Lihat juga: The Blizfield at BSD City
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Jika mencari rumah lelang Bank Mandiri, maka Anda bisa mengunjungi situs resminya melalui lelang.bankmandiri.co.id.
Di sana, terdapat banyak pilihan rumah dan properti lain yang bisa dibeli secara lelang.
Pilihan lainnya, bisa juga dengan mencari informasi terkait rumah lelang di situs jual beli Rumah123.
Bahkan, tidak cuma rumah lelang, Rumah123 juga menyediakan “Penawaran Khusus” bagi Anda yang sedang mencari hunian dengan harga miring.
Harga yang ditawarkan sangat murah, bahkan sampai di bawah NJOP, lho.
Untuk informasi lebih lanjut, silakan klik banner di bawah ini, ya.
2. Pilih Rumah sesuai Kemampuan Finansial
Walau melalui proses lelang, sebaiknya Anda tetap membeli rumah yang harganya sesuai dengan kemampuan saja.
Apalagi jika rumah lelang tersebut akan dibeli dengan skema KPR.
Pada prosesnya, bank tetap akan melakukan analisa terkait kemampuan Anda dalam membeli rumah.
Biar lolos tahap tersebut, pastikan Anda memilih rumah yang ideal dengan penghasilan.
3. Transfer Jaminan dan Survei Lokasi
Setelah menemukan rumah lelang yang cocok, kirim uang jaminannya ke rekening KPKNL.
Besaran uang jaminan yang harus dibayar ditentukan berdasarkan nilai limit yang sudah diumumkan oleh bank atau KPKNL.
Namun, umumnya berkisar antara 20–50% dari total harga jual rumah tersebut.
Setelah itu, Anda bisa menyambangi lokasi rumah yang sudah dipilih untuk melihat lebih detail bangunannya.
Lihat juga: Terravia BSD City
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4. Ikuti Proses Lelang Rumah
Foto: moneycrashers.com
Setelah membayar uang jaminan dan melakukan survei langsung ke lokasi rumah, Anda bisa langsung mengikuti proses lelang.
Proses lelang bisa dilakukan secara langsung ataupun daring.
Nantinya, kamu harus mengajukan penawaran harga rumah tersebut secara berkali-kali, dengan nilai yang lebih tinggi dari penawaran sebelumnya.
Setelah batas waktu lelang berakhir, hasil penawaran para calon pembeli akan direkapitulasi dan diambil penawaran tertinggi sebagai pemenangnya.
Bila tawaran Anda diterima, segera lakukan pelunasan setelah proses pelelangan.
Lantas, bagaimana bila penawaran lelang ditolak? Tenang, karena uang jaminan yang sudah dibayarkan akan dikembalikan sepenuhnya.
5. Pelunasan dan Pengurusan Dokumen
Setelah dinyatakan menang, Anda wajib membayar pelunasan pembelian rumah beserta biaya lain, seperti Bea Perolehan Hak atas Tanah dan Bangunan (BPHTB).
Selain itu, Anda juga sudah harus mengurus sejumlah legalitas rumah tersebut, salah satunya adalah biaya balik nama sertifikat.
Syarat dan Ketentuan Umum Lelang Rumah
Ada beberapa syarat dan ketentuan yang wajib Anda ketahui apabila berniat membeli rumah lelang bank.
Rumah lelang bank dijual dengan nilai limit, yaitu kisaran harga minimal yang sudah ditetapkan oleh penjual dan diumumkan secara terbuka.
Apabila nilai limitnya sesuai bujet dan Anda tertarik untuk mengikuti lelang rumah tersebut, sebaiknya pelajari ketentuan berikut ini:
- Penawar harus menyetor sejumlah uang ke rekening KPKNL sebesar 20–50% dari harga limit lelang;
- Uang jaminan harus disetorkan sebelum lelang dimulai, lalu biaya lainnya harus disetorkan satu hari sebelum pelaksanaan;
- Penawar diberi kesempatan untuk melihat dan meneliti secara fisik barang yang dilelang (di sini pembeli paham dengan kondisi fisik barang);
- Pelaksanaan lelang dapat dibatalkan sewaktu-waktu berdasarkan suatu putusan atau penetapan lembaga peradilan, putusan pejabat lelang, atau atas permintaan penjual;
- Jika terjadi pembatalan, maka uang jaminan akan dikembalikan kepada peserta;
- Tidak ada potongan untuk pengembalian uang jaminan penawaran lelang;
- Waktu pelunasan lelang selambat-lambatnya 5 hari kerja setelah tanggal pelaksanaan dan dibayar secara tunai atau cek atau giro;
- Bank yang telah menerima dana melalui cek atau giro dianggap sah dan akan diberikan bukti pembayaran oleh bendahara penerimaan KPKNL/Pejabat Lelang Kelas I/Balai Lelang;
- Jika pembeli tidak mampu membayar lunas, maka akan dibatalkan statusnya dan tidak diperbolehkan mengikuti lelang dalam kurun waktu 6 bulan, serta uang jaminan tidak dapat dikembalikan.
Apakah Rumah Lelang Bisa Dibeli dengan Skema KPR?
Foto: storyinform
Mengenai proses rumah lelang, sebagian dari Anda mungkin bertanya-tanya, apakah rumah lelang bisa dibeli dengan skema KPR?
Beberapa bank memiliki layanan pembelian rumah lelang dengan skema KPR, salah satunya Bank Mandiri lewat program KPR Lelang Mandiri.
Program ini dapat dimanfaatkan untuk pembelian rumah tinggal, apartemen, dan ruko.
Agar lebih jelas, berikut proses lelang Bank Mandiri:
- Tahap pertama Anda bisa memilih properti yang akan dibeli dengan skema lelang. Dalam proses ini, Anda akan didampingi oleh petugas Bank Mandiri untuk memilih agunan lelang yang ingin dibeli
- Setelah menemukan rumah yang akan dibeli dengan skema lelang, Anda bisa mengajukan permohonan aplikasi KPR Lelang ke Bank Mandiri
- Selanjutnya, Bank Mandiri akan melakukan verifikasi aplikasi KPR nasabah
- Apabila pengajuan KPR Lelang disetujui, maka nasabah akan menerima SPPK
- Nasabah dapat melanjutkan proses dengan mengikuti lelang di KPKNL
- Apabila Anda memenangkan lelang atas rumah tersebut, maka akan dilakukan akad kredit/tanda tangan perjanjian kredit
- Proses dilanjutkan dengan pencairan kredit.
Baca juga:
5 Tips Membeli Rumah Bekas, agar Aman dan Tak Tertipu!
Demikianlah cara membeli rumah lelang yang benar dan bisa Anda jadikan patokan.
Punya pertanyaan lain seputar properti? Yuk, diskusikan di Teras123!
Semoga bermanfaat.
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