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Mengenal Surat Kepemilikan Apartemen dan Cara Mengurusnya

Terakhir diperbarui 26 Maret 2024 · 5 min read · by Miyanti Rahman

Surat Kepemilikan Apartemen

Surat kepemilikan apartemen berbeda dengan surat kepemilikan rumah. Dokumen untuk mengukuhkan hak kepemilikan hunian tapak adalah Sertifikat Hak Milik (SHM).

Sedangkan nama surat kepemilikan apartemen, yaitu Sertifikat Hak Milik atas Satuan Rumah Susun (SHMSRS). Ini adalah bukti kepemilikan paling kuat di mata hukum.

Namun selain SHMSRS, ada pula Sertifikat Kepemilikan Bangunan Gedung (SKGB) yang perlu diketahui. Apa perbedaan kedua sertifikat apartemen ini? Simak jawabannya!

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Status Kepemilikan Apartemen

Sertifikat Hak Milik atas Satuan Rumah Susun (SHMSRS)

Sertifikat Hak Milik atas Satuan Rumah Susun (SHMSRS)

SHMSRS adalah bentuk kepemilikan yang diberikan kepada pemegang hak atas apartemen. Mengapa “SHM apartemen” ini berbeda dengan SHM landed house?

Alasannya hak pemilik unit apartemen bukan hanya menyangkut hak milik perorangan saja. Di sana ada hak bersama atas tanah dan benda di luar unit.

Pemilik apartemen SHMSRS hanya mempunyai hak penuh atas unitnya. Ada pun benda di luar unit tersebut contohnya pondasi, dinding dan jaringan listrik, lift dan fasilitas lainnya.

Lahan tempat apartemen berdiri juga berstatus hak milik bersama. Maka dari itu, kamu dan penghuni lain terikat peraturan atas pemakaian dan penguasaannya.

Salah satu contoh proyek hunian vertikal dengan surat kepemilikan apartemen SHMSRS adalah Landmark Residence. Silakan lihat detail dan harga unitnya di bawah.

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Kelebihan Sertifikat Apartemen SHMSRS

  • Harga apartemen SHMSRS lebih terjangkau daripada rumah tapak SHM. Dengan budget yang lebih rendah, kamu bisa mendapatkan tempat tinggal strategis karena biasanya hunian vertikal dibangun di tengah kota.
  • Apartemen SHMSRS adalah pilihan yang tepat bagi perorangan Warga Negara Indonesia (WNI) maupun badan hukum yang membutuhkan tempat tinggal atau kantor untuk sementara waktu.

Kekurangan Sertifikat Apartemen SHMSRS

  • Jangka waktu kepemilikan maksimal 50 tahun (30 tahun ditambah 20 tahun perpanjangan). Jadi, kurang cocok untuk menetap selamanya.
  • Pemilik unit apartemen SHMSRS tak mempunyai kekuasaan penuh untuk mengubah dan mengalihfungsikan bangunan tanpa izin dan tanpa persetujuan dari pengelola.

Sertifikat Kepemilikan Bangunan Gedung (SKGB)

Sertifikat Kepemilikan Bangunan Gedung (SKGB)

Jenis surat kepemilikan apartemen berikutnya adalah SKGB. Sertifikat ini merupakan tanda bukti kepemilikan atas satuan rumah susun di atas tanah milik negara/pemerintah daerah.

Apabila ada developer yang menjual apartemen berstatus SKGB, itu artinya dia mendirikan apartemen di atas lahan sewaan, bukan tanah HGB murni (hak milik developer).

Sebagai pihak ketiga yang menyewa lahan dari negara/pemerintah daerah, developer tersebut hanya mengantongi sertifikat Hak Pengelolaan Lahan (HPL) saja.

Silakan membaca artikel hak pengelolaan atas tanah untuk memahaminya lebih lanjut. Ada apun kelebihan dan kekurangan membeli apartemen bersertifikat SKBG.

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Kelebihan Sertifikat Apartemen SKBG

  • Bagi developer, mengembangkan apartemen yang berstatus SKGB lebih mudah mengurus segala perizinannya.
  • Apartemen SKGB biasanya dipasarkan dengan harga yang lebih affordable. Oleh kerana itu, terjangkau oleh golongan masyarakat berpenghasilan rendah.

Kekurangan Sertifikat Apartemen SKBG

  • Meskipun dijual dengan harga terjangkau, risiko investasi apartemen SKBG sangat besar! Kamu bisa kapan saja kehilangan aset kalau developer tak memberikan rekomendasi perpanjangan hak pengelolaan lahan.
  • Selain risiko kehilangan properti, pemilik apartemen SKBG harus bersiap-siap menghadapi penurunan nilai jual.

Itulah surat surat kepemilikan apartemen yang penting diketahui. Calon pembeli sebaiknya memilih apartemen berstatus SHMSRS agar risiko investasi lebih kecil.

Pilih apartemen di atas HGB murni dari pengembang terpercaya. Contohnya seperti developer perumahan baru yang sudah bekerja sama dengan Rumah123.com.

Apakah Apartemen BISA SHM?

Apakah Apartemen BISA SHM

Contoh surat kepemilikan apartemen yang setara dengan SHM adalah SHMSRS. Namun jika ada pertanyaan apakah apartemen bisa SHM? Maka jawabannya tidak bisa.

Pasalnya, pengembang yang membeli tanah berstatus SHM tidak bisa mendapatkan sertifikat yang sama. Perusahaan berbadan hukum ini hanya boleh mengantongi HGB murni.

Berdasarkan Undang-undang (UU) Nomor 5 Tahun 1960 tentang Peraturan Dasar Pokok-pokok Agraria Pasal 21 ayat (1) dan (2) berlaku perturan seperti ini.

Hak milik hanya dapat diperoleh oleh WNI dan badan-badan hukum yang ditetapkan oleh pemerintah, yaitu:

  • Bank-bank yang didirikan oleh negara.
  • Perkumpulan-perkumpulan koperasi pertanian.
  • Badan-badan keagamaan, yang ditunjuk oleh Menteri Pertanian/Agraria, setelah mendengar Menteri Agama.
  • Badan-badan sosial, yang ditunjuk oleh Menteri Pertanian/Agraria, setelah mendengar Menteri Kesejahteraan Sosial.

Ketentuan tersebut tercantum dalam Pasal 1 Peraturan Pemerintah (PP) Nomor 38 Tahun 1963 tentang Penunjukan Badan-Badan Hukum yang Dapat Mempunyai Hak Milik atas Tanah.

Tata Cara Mengurus Surat Kepemilikan Apartemen SHMSRS

Tata Cara Mengurus Surat Kepemilikan Apartemen SHMSRS

Dari segi kepengurusannya, SHMSRS harus ditangani oleh pengembang apartemen itu sendiri. Berbeda dengan SHM di mana pemilik bisa mengurusnya secara mandiri.

Berikut tata cara mengurus surat kepemilikan apartemen melalui pengembang. Yuk, disimak!

  • Pengembang memisahkan ruang lingkup kepemilikan, yang meliputi bagian bersama dan perorangan.
  • Pengembang menuangkan pemisahan tersebut dalam akta yang dilengkapi oleh gambar, uraian dan batasan pemilikan apartemen.
  • Pengembang wajib mengajukan proses pengesahan akta tersebut kepada Pemerintah Daerah tingkat II (kota/kabupaten).
  • Setelah akta disahkah, pengembang harus mendaftarkannya ke kantor pertanahan setempat dengan dilengkapi sertifikat hak atas tanah, izin layak huni, dan lain sebagainya.
  • Jika akta tersebut sudah terdaftar dan buku tanah selesai, maka barulah SHMSRS bisa diterbitkan.
  • SHMSRS dibuat dengan cara membuat salinan buku tanah.

Bagi pengembang yang mengajukan permohonan SHMSRS, dia harus melampirkan syarat-syarat berikut ini.

  • Formulir permohonan yang diisi dan ditandatangani di atas materai oleh pemohon atau kuasanya.
  • Jika permohonan dikuasakan, maka wajib melampirkan surat kuasa.
  • Fotokopi Kartu Tanda Penduduk (KTP) dan Kartu Keluarga (KK)
  • Sertifikat hak atas tanah bersama (asli).
  • Proposal pembangunan apartemen.
  • Surat izin layak huni.
  • Akta pemisahan yang sudah didaftarkan oleh pengembang apartemen.

Lama pengurusan surat kepemilikan apartemen SHMSRS cukup bervariasi, tergantung luas lahan tempatnya berdiri. Begitu juga dengan biaya pembuatan sertifikat.

Biasanya untuk lahan di bawah 2.000 meter persegi sekitar 38 hari. Sementara untuk lahan 2.000 meter persegi sampai 15 hektare menelan waktu 57 hari.

SHMSRS sangat berguna untuk menegaskan hak kepemilikan apabila suatu hari terjadi sengketa. Maka dari itu, carilah apartemen dari developer terpercaya ya!

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Punya pertanyaan seputar properti? Yuk, Tanya Rumah123 di sini!

Tahapan Selanjutnya

Simulasi KPR

Hitung pembiayaan kredit rumah dengan bunga KPR terbaik di Rumah123

Rp
%
Rp
Angsuran/bulan mulai dari
Tahun ke-1
Bunga 2.83%
Rp. 1.117.000
Tahun ke-2 dan seterusnya
Estimasi Bunga 12%
Rp. 2.473.887

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 5.4%
Rp. 1.948.288

Bunga KPR Terbaru

Beli properti impian dengan memilih produk KPR terbaik di Rumah123

Bank OCBC
Bank OCBC
Suku bunga mulai dari2.83%
Tenor Max.25 Tahun
Bank Mandiri
Bank Mandiri
Suku bunga mulai dari2.65%
Tenor Max.30 Tahun
Bank BRI
Bank BRI
Suku bunga mulai dari5%
Tenor Max.20 Tahun