Membeli rumah dengan cara KPR merupakan cara yang banyak ditempuh orang agar cepat memiliki rumah tanpa harus mengeluarkan dana besar sekaligus, dengan KPR Anda hanya perlu mengeluarkan Uang Muka yang relatif rendah kemudian sisanya Anda bisa angsur melalui Bank Penyedia KPR tersebut.
Namun demikian, mendapatkan rumah melalui jalur KPR bukan tanpa masalah. Karena ada juga pengembang yang nakal dan membohongi konsumen.
Nah, agar Anda tidak tertipu oleh para pengembang nakal, silahkan simak tips berikut ini
1. Pastikan Developer Memiliki Reputasi Baik
Ketika Anda hendak membeli Rumah KPR Bersubsidi, kehati-hatian dan kewaspadaan mutlak diperlukan. Salah satu langkah kewaspadaan adalah dengan memeriksa reputasi pihak pengembang yang mengelola rumah KPR tersebut.
Anda dapat memastikan reputasi developer dengan mencari tahu legalitas hukum pengembang. Dengan adanya legalitas badan hukum, berarti reputasi pengembang tersebut cukup baik dan terpercaya.
2. Periksa Legalitas Tanah
Status tanah yang dikuasai pengembang seharusnya hanya Hak Guna Bangunan (HGB). Status ini punya jangka waktu tertentu dan harus diperpanjang jika pengembang belum selesai mengelola lahan perumahan tersebut.
Cek status HGB dari tanah di perumahan tersebut langsung ke Dinas Pertanahan setempat. Langkah selanjutnya adalah memastikan asal muasal HGB yang digunakan pengembang.
Anda juga harus memastikan asal muasal HGB yang dipegang oleh pihak pengembang. Pastikan HGB yang digunakan berasal dari lahan yang dikuasai oleh negara karena sifatnya lebih aman dalam unsur legalitas.
3. Pastikan Garansi Booking Fee
Booking fee merupakan tanda jadi konsumen kepada developer perumahan. Besar biaya booking fee setiap developer biasanya berbeda, namun harus dipastikan juga ada perjanjian secara tertulis jika KPR Anda ditolak Bank maka biaya booking fee kembali sekian persen.
4. Bayar Uang Muka dan Tandatangani PPJB
Setelah Anda membayar DP, Anda dan pengembang akan menandatangani Perjanjian Pengikatan Jual Beli (PPJB). Anda harus memeriksa secara seksama setiap poin yang tertera dalam perjanjian tersebut. Point ini yang sangat disarankan dalam tips membeli rumah KPR subsidi.
5. Pantau Progres Pembangunan Rumah
Rutinlah mendatangi lokasi pembangunan rumah. Terutama untuk melihat apakah rumah yang dibangun menggunakan spesifikasi yang tertera dalam perjanjian.
Anda juga dapat memastikan apakah rumah tersebut memiliki ukuran dan desain yang sesuai dengan perjanjian atau tidak. Jika ternyata tak sesuai, Anda dapat melayangkan tuntutan kepada pengembang.
6. Segera Buat AJB dan Ubah HGB Menjadi SHM
Hal yang tak kalah penting dalam tips membeli rumah KPR subsidi adalah meminta pengembang mengurus proses pembuatan Akta Jual Beli (AJB). AJB merupakan tanda legalitas kepemilikan pertama atas rumah tersebut.
Setelah proses AJB selesai, status HGB yang tadinya dipegang oleh pengembang, harus diubah menjadi Sertifikat Hak Milik (SHM).
Dengan demikian, pada saat sertifikat diberikan pada pihak Bank sebagai jaminan KPR, sudah tertera nama Anda sebagai pemilik rumah.
Demikianlah beberapa Tips yang bisa Anda pakai saat mau membeli rumah KPR bersubsidi. Semoga informasi ini dapat membantu
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“기념관에서 많은 생선 수프에 대해 이야기 한 것은 Wen Yansheng뿐입니다. “Liu Jian은 이상한 표정을 지었습니다.
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그러나 상사는 이것을 처리 할 시간이 없었습니다. 누군가 “빨리 서둘러보고하세요. “라고 말했습니다.
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Hongzhi 황제의 얼굴이 차가워졌습니다. “모두가 이것에 대해 이야기하고 있습니까?”
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“뭐?” Fang Jifan은 Hongzhi 황제를 바라보며 당황했습니다.
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관리 Tian Jing이 옆에 있었는데 진실을 들었을 때 그는 너무 흥분해서 울 것 같았습니다.
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Hongzhi 황제는 마음 속으로 한숨을 쉬고 Xiao Jing에게 진지하게 물었습니다.
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