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Prosedur Beli Rumah Cash dari Developer yang Wajib Diketahui

Terakhir diperbarui 27 Mei 2024 · 5 min read · by Miyanti Rahman

membeli rumah cash ke developer

Ada tiga cara untuk beli rumah, yaitu melalui Kredit Pemilikan Rumah (KPR), tunai bertahap, dan cash dari developer. Nah, pembahasan dalam artikel ini mengupas tuntas cara ke-2 dan 3.

Bila dibandingkan dengan skema pembayaran kredit, beli rumah tunai bertahap atau cash keras tentu lebih untung. Anda tak perlu merisaukan fluktuasi suku bunga Bank Indonesia (BI).

properti turun harga & di bawah njop

Selain itu, Anda juga punya kesempatan beli rumah dijual dengan harga miring. Pasalnya, developer sering menawarkan promosi menarik kepada pembeli rumah cash.

Nah, jika Anda siap beli rumah secara tunai, maka ada prosedur beli rumah cash dari developer yang wajib diketahui. Dengan memahaminya, Anda akan terhindar dari penipuan.

Begini Proses Pembelian Rumah dari Developer

Cash Keras

jenis pembayaran ke developer

Sebelum membahas prosedurnya, ketahui dulu sederet keuntungan akad rumah cash lebih detail lagi. Ada lima poin plus yang sudah kami rangkum, yaitu sebagai berikut.

  • Developer biasanya memberikan diskon menarik bagi pembeli yang membayar secara tunai. Besar diskon umumnya 5% sampai 10% dari harga normal.
  • Transaksi pembelian rumah secara tunai jauh lebih cepat dibandingkan dengan KPR, karena tak usah menunggu persetujuan kredit dari bank.
  • Anda tidak perlu membayar bunga pinjaman dan cicilan bulanan kepada bank.
  • Sertifikat Hak Milik (SHM) atas nama Anda langsung diterbitkan setelah pembayaran. Jadi tak perlu menunggu proses balik nama seperti pada KPR.
  • Membeli rumah secara tunai memungkinkan Anda untuk mendapatkan keuntungan dari kenaikan harga properti di masa depan.

Lalu, seperti apa proses beli rumah cash? Yuk simak jawabannya di bawah!

Chatbot Rumah123

1. Bayar Booking Fee

Sebelum melaksanakan akad jual beli rumah cash, langkah pertama yang harus Anda lakukan adalah bayar booking fee atau uang tanda jadi beli rumah.

Booking fee mengawali kesepakatan antara pembeli dan penjual untuk melakukan transaksi jual-beli properti. Uang ini menunjukkan komitmen kedua belah pihak.

Pembeli berkomitmen untuk membeli rumah yang sudah ditandai, sedangkan penjual berkomitmen untuk tidak menjual rumah tersebut kepada pihak lain.

Besaran booking fee sendiri biasanya tergantung kebijakan pemasaran developer, atau kesepakatan kedua belah pihak. Maka itu, booking fee tak sama dengan down payment.

2. Membuat PPJB

Setelah membayar booking fee, langkah selanjutnya membuat Pra Perjanjian Jual Beli (PPJB).

Isi dari PPJB dapat berupa peraturan pembayaran serta beberapa informasi seperti harga rumah, nama pembeli, dan waktu pengerjaan rumah.

Berikut beberapa hal penting yang perlu diperhatikan dalam PPJB saat beli perumahan cash.

  • Pastikan identitas pembeli dan penjual (perwakilan developer), termasuk nama lengkap, alamat, dan nomor Kartu Tanda Penduduk (KTP), tercantum dengan benar.
  • Detail objek jual beli, seperti jenis properti, luas tanah, dan alamat, juga harus tercantum dengan benar.
  • Cek harga jual beli dan cara pembayaran, termasuk jumlah uang muka, cicilan (jika ada), dan tanggal pembayaran, tercantum dengan jelas.
  • Cek pernyataan tentang sertifikat dan perizinan.
  • Pastikan jangka waktu penyelesaian PPJB dan sanksi jika terjadi wanprestasi (ingkar janji) tercantum dengan jelas.
  • PPJB harus ditandatangani oleh kedua belah pihak di atas materai yang sah.

3. Mendapatkan AJB, SHGB dan SHM

Setelah itu, developer akan melakukan pemecahan Sertifikat Hak Guna Bangunan (SHGB). Jika sudah bayar tunai, maka Anda pun dapat memiliki kelengkapan surat rumah tersebut.

Surat-surat yang didapatkan di antaranya Akta Jual Beli (AJB), SHGB atau Sertifikat Hak Milik (SHM). Periksa sertifikat, pastikan sudah balik nama atas nama Anda sebagai pembeli.

Ketiga surat tersebut memiliki status hukum yang kuat sebagai bukti kepemilikan properti. Selain itu, tak ada jangka waktu penggunaan (berlaku selamanya).

Terkadang, ada beberapa perumahan atau cluster yang memberikan promo berupa Free AJB dan surat-surat lainnya. Salah satunya adalah Cluster Alam Asri yang berlokasi di Bojongsoang, Bandung.

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Jika melihat prosedur di atas, maka tidak banyak syarat membeli rumah cash dari developer. Adapun cara beli rumah cash lewat bank, yaitu bisa dengan beli hunian yang dilelang.

Cash Bertahap

beli rumah cash

Berbeda dengan cash keras, cash bertahap atau cash installment melakukan pembayaran cicilan dengan tenor 6-24 bulan.

Secara umum, prosedur pembelian rumah secara cash bertahap tidak berbeda dengan cash keras.

Hanya saja, karena skema pembelian rumah dilakukan secara mencicil.

Di sini, Anda diharuskan untuk membayar uang muka atau DP dengan persentase 30-50% kepada pengembang. 

Patut diketahui, prosedur beli rumah cash dari developer memungkinkan Anda untuk melakoni cara jual beli rumah tanpa notaris secara cash.

Pembelian rumah cash ke developer hanya membutuhkan Pejabat Pembuat Akta Tanah (PPAT).

Pada prosesnya, PPAT bertugas untuk memeriksa keaslian sertifikat tanah serta dokumen lainnya, mengurus Bea Perolehan Hak atas Tanah dan Bangunan (BPHTB), membuat AJB, dan mengurus balik nama sertifikat.

Tips Beli Rumah Cash di Perumahan dari Developer

Tips Beli rumah Cash ke Developer

Adapun beberapa tips yang perlu diperhatikan saat melakukan prosedur beli rumah cash dari developer yakni:

  • Melakukan transaksi di hadapan notaris sebagai saksi.
  • Hindari transaksi tunai, pastikan untuk selalu melakukan transaksi dengan cara transfer antar-rekening bank.
  • Segala jenis transaksi harus perlu dibuatkan tanda terima yang sah di mata hukum.
  • Pelunasan properti dilakukan bersamaan dengan penandatanganan AJB di hadapan notaris. Setelah itu, melakukan penyerahan sertifikat asli properti.

Demikianlah prosedur beli rumah cash dari developer yang penting Anda ketahui.

Untuk yang sedang mencari hunian, bisa cek pilihan menariknya di halaman perumahan baru Rumah123.

Semoga bermanfaat!

Ngobrol tentang beli rumah di forum Teras123, ruang untuk ngobrolin properti di Rumah123.

properti turun harga & di bawah njop

Simulasi KPR

Hitung pembiayaan kredit rumah dengan bunga KPR terbaik di Rumah123

Rp
%
Rp
Angsuran/bulan mulai dari
Tahun ke-1
Bunga 4.56%
Rp. 1.526.143
Tahun ke-2 dan seterusnya
Estimasi Bunga 12%
Rp. 2.592.985

Simulasi KPR Syariah

Hitung pembiayaan KPR syariah dengan rekomendasi bank terbaik di Rumah123

Rp
%
Rp
Angsuran/bulan mulai dari
Tahun ke 1 dan seterusnya
Margin 9%
Rp. 2.434.240

Bunga KPR Terbaru

Beli properti impian dengan memilih produk KPR terbaik di Rumah123

Bank DKI
Bank DKI
Suku bunga mulai dari4.56%
Tenor Max.20 Tahun
Bank Mandiri
Bank Mandiri
Suku bunga mulai dari4.65%
Tenor Max.30 Tahun
Bank BRI
Bank BRI
Suku bunga mulai dari3.25%
Tenor Max.25 Tahun