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Prosedur Beli Rumah Cash dari Developer yang Wajib Diketahui

10 April 2023 · 3 min read · by Rachmi Arin Timomor

membeli rumah cash ke developer

Seperti diketahui, ada sejumlah cara yang bisa ditempuh untuk membeli rumah, mulai dari cash keras, cash bertahap dan KPR (Kredit Pemilikan Rumah).

Dalam hal ini, beli rumah cash lebih menguntungkan karena Anda akan mendapatkan harga yang lebih murah.

Selain itu, Anda juga tidak perlu risau terkait fluktuasi suku bunga pinjaman atau cicilan yang terus melambung tinggi.

Namun, melakukan pembelian rumah secara tunai pun ada beberapa prosedur yang perlu diperhatikan, lho.

Nah, untuk mengulas lebih lanjut cara beli rumah cash di perumahan langsung dari pegembangnya, mari simak informasinya berikut ini!

Begini Proses Pembelian Rumah dari Developer

Cash Keras

jenis pembayaran ke developer

Membeli rumah dengan cash keras memiliki banyak keuntungan, seperti yang dijelaskan di atas.

Ada beberapa tahapan yang bisa dilakukan jika Anda membelinya langsung dari developer properti:

Bayar Booking Fee

Prosedur yang paling pertama dilakukan adalah membayar biaya pemesanan (booking fee).

Booking fee merupakan uang tanda jadi atau kesepakatan antara pembeli dan penjual, untuk melakukan transaksi jual-beli properti.

Dengan membayar booking fee, pembeli akan berkomitmen untuk membeli rumah yang sebelumnya sudah ditandai dan dipilih oleh pembeli. 

Adapun penjual berkomitmen tidak menjual rumah tersebut kepada pihak lain.

Biaya booking fee sendiri biasanya berdasarkan kesepakatan antara dua pihak.

Namun, perlu diketahui bahwa biaya booking fee berbeda dengan down payment atau uang muka yang berkisar 5–10%.

Membuat PPJB

Setelah membayar booking fee, Langkah selanjutnya adalah membuat PPJB atau Pra Perjanjian Jual Beli.

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

Mendapatkan AJB, SHGB dan SHM

Setelah itu, developer akan melakukan pemecahan sertifikat HGB (Hak Guna Bangunan).

Setelah melakukan pembayaran secara tunai, Anda pun dapat memiliki kelengkapan surat-surat rumah yang sudah dibeli.

Surat-surat yang didapatkan adalah Akta Jual Beli (AJB), Sertifikat Hak Guna Bangunan (SHGB) dan Sertifikat Hak Milik (SHM).

Pastikan SHM yang diberikan sudah dilakukan balik nama atas nama pembeli.

Ketiga surat tersebut memiliki status hukum kuat dan tanpa jangka waktu.

Cash Bertahap

beli rumah cash

Berbeda dengan cash keras, cash bertahap atau cash installment melakukan pembayaran dengan 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 BPHTB, membuat AJB, dan mengurus balik nama sertifikat.

Baca Juga:

Tips Membeli Rumah Cash Keras yang Aman

4 Cara 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.

Nah, itulah prosedur beli rumah cash dari developer yang bisa dijadikan panduan dalam membeli hunian. 

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

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Simulasi KPR

Kredit rumah dengan pilihan plafon dan tenor pinjaman sesuai kebutuhan

Simulasi KPR Syariah

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Bunga KPR Terbaru

Beli properti impian dengan memilih produk KPR terbaik di Rumah123

Bank Mandiri
Bank Mandiri
Suku bunga mulai dari4.5%
Tenor Max.20 Tahun
Bank OCBC NISP
Bank OCBC NISP
Suku bunga mulai dari2.82%
Tenor Max.25 Tahun
Bank BRI
Bank BRI
Suku bunga mulai dari2.88%
Tenor Max.20 Tahun