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Hati-Hati, Ini 9 Modus Penipuan Properti yang Sering Mengecoh Masyarakat!

Terakhir diperbarui 20 Juni 2024 · 7 min read · by Yongky Yulius

penipuan properti

Ada beberapa modus penipuan properti yang mesti Anda hindari agar tak mengalami kerugian besar.

Penipuan properti ini marak dilakukan oleh orang-orang tak bertanggung jawab.

Modusnya bermacam-macam. Ada kasus properti dan real estate yang melibatkan mafia tanah, penipuan berkedok properti syariah, penipuan bisnis properti, hingga perumahan fiktif.

Agar Anda semakin waspada, kami telah mencantumkan beberapa kasus properti yang bermasalah di indonesia dan kerap terjadi.

Berikut deretan modus penipuan propertinya.

1. Mafia Tanah

mafia tanah

Bukan hanya satu orang saja, mafia tanah biasanya berbentuk jaringan yang melibatkan oknum pegawai pemerintah dan sipil.

Modusnya, mafia tanah menyasar tanah kosong atau tanah kosong yang belum dikonversi.

Contohnya, pada kasus tanah yang belum dikonversi ke UUPA, mafia tanah akan menggunakan surat girik palsu dan membuat sertifikat asli ke BPN.

Sertifikat tanah tersebut dipakai mafia untuk mengusir warga yang telah bertahun-tahun tinggal di tanah tersebut.

Tak jarang, mafia tanah juga berani menggugat pemilik asli ke pengadilan Tata Usaha Negara menggunakan dokumen dan sertifikat palsu.

Untuk memberantas praktik mafia tanah, Pasal 263 dan 266 KUHP bisa dijadikan ancaman bagi pelaku yang terbukti bersalah.

2. Modus Penipuan Pembelian Rumah

modus penipuan pembelian rumah

Foto: Hall & Scott Estate Agents

Selain penjual rumah, pembeli rumah juga bisa melakukan modus penipuan properti.

Salah satu modus dalam kasus penipuan ini adalah dengan menggunakan identitas palsu.

Berikut ciri-ciri penipuan pembelian rumah yang dilakukan calon pembeli:

  • Agar transaksi terlihat sah, pembeli menggunakan identitas palsu atau dokumen palsu.
  • Memakai cek palsu atau pembayaran menggunakan metode lain dengan cara ilegal.
  • Menciptakan ketidakpastian dengan melakukan penundaan pembayaran atau mengubah kontrak.
  • Memberi tawaran palsu atau membuat kesepakatan dengan niat untuk tidak memenuhi kewajiban pembayaran.
  • Pengajuan pinjaman dengan informasi palsu atau dokumen kredit yang dipalsukan.

Chatbot Rumah123

3. Penipuan terhadap Agen Properti

penipuan agen properti

Foto: Scamdetector

Profesi agen properti juga tidak luput dari sasaran modus penipuan properti.

Biasanya, penipu akan menjadi agen properti sebagai perantara agar bisa mendapatkan sertifikat tanah pemilik.

Kurang lebih, berikut modus yang dilakukan untuk menipu agen properti:

  • Penipu berpura-pura akan membeli rumah, ruko, tanah, atau jenis properti lainnya.
  • Penipu akan menyetujui harga dan ketentuan lainnya.
  • Selanjutnya penipu akan pergi ke notaris abal-abal, dan meminta agen menunjukkan sertifikat tanah dengan alasan untuk dicek ke BPN.
  • Nyatanya, penipu malah membawa sertifikat tanah tersebut ke perusahaan pembiayaan, dan mencairkan dana dengan cara menjaminkan sertifikat itu.
  • Penipu akan mengulur waktu 1-2 bulan karena akan membuat sertifikat rumah palsu untuk dikembalikan kepada agen properti. 

Agar terhindar dari modus penipuan properti di atas, agen properti bisa melakukan beberapa hal berikut ini:

  • Daftar jadi agen properti di tempat terpercaya, berkualitas, dan aman, seperti di Rumah123.
  • Rajin berdiskusi dengan agen properti berpengalaman agar tahu modus-modus penipuan yang kerap dilancarkan.
  • Menanyakan kartu identitas atau kartu nama kepada calon pembeli.
  • Jangan menaruh iklan di sembarangan tempat, termasuk papan keterangan “dijual”.
  • Selidiki latar belakang notaris. Selalu waspada terhadap hal-hal mencurigakan.

4. Penipuan Berkedok Properti Syariah

Penipuan Berkedok Properti Syariah

Biasanya, perumahan syariah menawarkan skema pembayaran langsung kepada developer.

Dalam skema syariah, hal itu sebenarnya dimaksudkan agar tidak ada pihak ketiga seperti bank yang terlibat dalam transaksinya agar bebas riba.

Namun oleh oknum, skema tersebut dimanfaatkan untuk menipu pembeli.

Pada modus penipuan properti ini, developer abal-abal biasanya akan membawa lari uang tanda jadi, uang muka, atau bahkan total pembayaran rumah yang sudah dibayarkan pembeli.

Selain menggunakan kedok properti syariah, modus penipuan ini biasanya berani memasang rumah di harga yang lebih murah di pasaran.

Biasanya, para oknum menawarkan DP kecil, cicilan ringan, rumah ready stock, dan mengelak ketika diminta menunjukkan legalitas.

Jadi, jika Anda menemukan properti syariah yang menawarkan tanah kavling atau perumahan murah, maka Anda wajib waspada.

Untuk menghindari modus penipuan ini, Anda harus melihat rekam jejak developer-nya. Pastikan developer-nya memiliki reputasi yang baik.

Baca juga:

5 Cara Menghindari Modus Penipuan Berkedok Perumahan Syariah

5. Scam Listing

scam listing properti

Foto: Propertyreporter

Scam listing merupakan modus penipuan properti secara online. Biasanya, pelaku mengincar korbannya lewat media sosial.

Modusnya, pelaku akan memasang listing properti palsu, lalu meminta calon korban untuk segera mentransfer uang.

Namun setelah uang ditransfer, pemasang listing akan sulit dihubungi. Bahkan, listing yang sudah dipasang akan hilang.

Tak hanya ada properti rumah, modus penipuan properti ini juga bisa berlaku untuk transaksi sewa apartemen.

Misalnya, pelaku dengan sengaja menyewa apartemen selama satu bulan.

Lalu, ia akan memasarkan kembali apartemen itu dan mengklaim bisa disewa hingga satu tahun.

Nantinya, korban yang menyewa apartemen tersebut akan ditemui pihak manajemen karena ternyata masa sewa apartemennya hanya satu bulan, bukan satu tahun.

Untuk menghindari modus penipuan scam listing properti, Anda harus bertransaksi di situs jual beli properti tepercaya, seperti Rumah123.

Kami memiliki ratusan listing terbaik, seperti apartemen Landmark Residence dan Aerium Residence Jakarta Barat.

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6. Modus Jual Rumah Murah

Modus Jual Rumah Murah

Modus penipuan properti ini banyak menjerat korban yang bujetnya pas-pasan dan kurang familiar dengan proses pembelian rumah.

Pasalnya, penipu dengan sengaja memasarkan rumah di harga yang kelewat murah.

Dalam proses penipuannya, pelaku akan mendesak calon korban agar segera melakukan pembayaran DP rumah secara tunai maupun transfer dana.

Setelah korban mentransfer ruang, penipu akan menghilang tanpa jejak.

Dalam beberapa kasus, penipu bahkan memberikan kunci rumah, yang ternyata merupakan kunci palsu.

7. Perumahan Fiktif

modus penipuan Perumahan Fiktif

Seperti namanya, pada modus penipuan properti ini, penipu akan menyebarkan brosur perumahan palsu.

Info pada brosurnya dibuat secara meyakinkan, misalnya terdapat gambar desain rumahnya, ada alamat, spesifikasi unit, bahkan kontak developer-nya.

Perumahan fiktif tersebut bahkan dirancang seolah memiliki banyak keunggulan, seperti berfasilitas lengkap dan berada di lokasi strategis.

Dengan info brosur demikian, beberapa calon korban akan tertarik.

Nantinya, calon korban akan diminta untuk membayar DP besar untuk rumah inden.

Dan setelah uang ditransfer, penipu akan menghilang tanpa jejak.

Agar terhindar dari modus penipuan properti ini, pastikan Anda hanya membeli rumah dari developer tepercaya dengan rekam jejak yang baik.

8. Modus Lelang Rumah

Modus penipuan Lelang Rumah

Modus penipuan properti berikutnya adalah dengan berkedok rumah lelang.

Pada modus ini, pelaku akan menggunakan sertifikat rumah hasil curian, lalu menawarkan lelang dengan harga murah ke calon korban melalui sambungan telepon.

Saat menelepon calon korban, pelaku akan berpura-pura berasal dari perusahaan resmi yang melelang rumah sitaan bank.

Dengan begitu, calon korban akan tergiur dengan info rumah lelang tersebut.

Setelahnya, pelaku akan meminta korban mentransferkan sejumlah uang sebagai tanda jadi.

Untuk menghindari modus penipuan ini, pastikan Anda hanya membeli rumah lelang melalui bank atau Dirjen Kekayaan Negara yang menyelenggarakan lelang.go.id.

9. Penipuan Tanah Kavling

Penipuan Tanah Kavling

Pada modus penipuan properti ini, pelaku akan menawarkan tanah kavling berharga murah.

Lalu agar semakin meyakinkan, pelaku akan menggunakan dokumen palsu dan enggan mengajak calon korban melihat tanahnya.

Untuk membuat calon korban semakin tertarik, pelaku biasanya mengiming-imingi prospek investasi dari tanah kavling tersebut.

Selanjutnya, pelaku juga akan mendesak calon korban mentransfer sejumlah uang.

Ciri lainnya dari modus penipuan properti ini adalah informasi yang tidak konsisten atau tidak akurat tentang ukuran tanah, batas-batas tanah, atau status hukum tanah.

Kemudian, pelaku juga enggan melakukan klarifikasi mengenai legalitas dan kepemilikan tanah, seperti adanya sengketa tanah.

Tips Menghindari Penipuan Properti

tips hindari penipuan properti

Foto: Stockspace

Sekarang, Anda sudah mengetahui beberapa modus penipuan properti yang kerap terjadi di Indonesia.

Sebagai rangkuman, berikut tips agar Anda terhindar dari oknum tidak bertanggung jawab saat akan membeli properti idaman:

  • Tentukan jenis properti yang ingin dibeli atau sewa.
  • Bandingkan harga dengan pilihan properti sejenis.
  • Cek lokasi dan fisik properti.
  • Buat daftar developer penipu yang harus dihindari.
  • Cek ulang kredibilitas dan seluk beluk developer.
  • Jika membeli properti bekas, temui langsung pemiliknya.
  • Gunakan bantuan profesional misalnya notaris.
  • Cek legalitas properti (SHM, IMB, PPJB, AJB, dan lainnya).
  • Cek izin pembangunan.

Jika ada pertanyaan seputar modus penipuan properti, silakan tanyakan di forum Teras123 ya!

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