Biaya jual beli rumah tidak bisa dilepaskan dari proses transaksi jual beli itu sendiri. Biaya-biaya tersebut harus dibayarkan kepada pihak pemerintah daerah atau negara secara umum.
Bahkan, ada pula biaya yang harus dibayarkan kepada pejabat yang mengawal transaksi jual beli tersebut.
Apa Saja Biaya Jual Beli Rumah?
Memiliki rumah sendiri adalah impian setiap orang. Bagi orang lain, properti berupa rumah dijual karena kebutuhan atau justru sudah memiliki hunian yang lebih baik.
Adanya dua fator saling membutuhkan ini akan menciptakan kesepakatan di antara dua pihak sehingga transaksi jual beli dilangsungkan.
Akan tetapi, ternyata persoalan membeli rumah tidak selesai pada membayar harga rumah itu sendiri, tetapi juga harus mengurus biaya lain termasuk biaya jual beli rumah.
Ada pun biaya-biaya tersebut adalah:
Biaya Pengecekan Sertifikat
Sebelum melakukan transaksi jual beli rumah, Anda harus menjalani pengecekan sertifikat. Tujuan kegiatan ini adalah untuk memastikan bahwa sertifikat tersebut bersih dari catatan sita, blokir, atau catatan lain.
Pada umumnya, pengecekan sertifikat diadakan di kantor pertanahan. Jumlah biaya yang harus dibayarkan biasanya bergantung pada kebijakan kantor bersangkutan. Baca juga Mengenal Jenis dan Biaya Pembuatan Sertifikat Tanah di Indonesia
Perlu diperhatikan bahwa biaya ini harus dibayarkan oleh pembeli rumah. Namun, bisa pula disepakati di antara kedua pihak bahwa biaya pengecekan sertifikat akan dibayarkan oleh penjual rumah.
Biaya Akta Jual Beli (AJB)
Dalam transaksi jual beli rumah, ada yang disebut biaya AJB. Biaya ini dibayarkan kepada pejabat yang membuat Akta Jual Beli yaitu PPAT (Pejabat Pembuat Akta Tanah). Jumlah biaya yang harus dibayarkan berbeda-beda tergantung pada daerah tanah tersebut berada. Meskipun demikian, biasanya tarif biaya AJB tidak lebih dari 1% dari keseluruhan harga transaksi.
Biaya AJB biasanya dibayarkan oleh pihak penjual dan pembeli dengan porsi yang proporsional. Namun, pada kasus tertentu, biaya ini juga dapat dibayarkan oleh salah satu pihak tergantung pada kesepakatan.
Biaya Balik Nama
Selain biaya AJB, ada pula yang disebut Biaya Balik Nama. Biaya ini diajukan pada saat melakukan proses balik nama antara nama pemilik lama dengan nama pemilik baru. Proses penggantian nama tersebut dilakukan oleh petugas PPAT dan berlangsung di kantor pertanahan setempat. Pada umumnya, biaya balik nama dibayarkan oleh pembeli.
Pajak Penghasilan (PPh)
Besar Pajak Penghasilan adalah 5% dari seluruh jumlah transaksi. Perlu diketahui bahwa PPh seharusnya sudah dibayar terlebih dahulu sebelum Anda mengurus Akta Jual Beli. Untuk membayar PPh, Anda bisa langsung menuju bank penerima pembayaran transaksi tersebut dengan validasi dari kantor pajak. Pajak Penghasilan biasanya dibebankan kepada pihak penjual.
Biaya BPHTB
Biaya ini adalah Bea Perolehan Hak atas Tanah dan Bangunan. Besarnya dihitung dengan rumus 5% dari Nilai Perolehan Objek Pajak (NPOP) dikurangi Nilai Perolehan Objek Pajak Tidak Kena Pajak (NPOPTKP). Biaya ini harus dibayarkan oleh pembeli sebelum mengurus sertifikat tanah atau bangunan.
Selain itu, masih ada biaya lain yang perlu dibayar, terutama jika Anda membeli rumah melalui KPR. Biaya tersebut di antara biaya provisi, biaya administrasi, dan sebagainya yang mencapai maksimal 5% dari total transaksi.
Jadi, inilah sejumlah biaya jual beli rumah yang harus dibayarkan ketika hendak membeli sebuah rumah dari pihak lain.
Dengan mengetahuinya, Anda akan terbebas dari biaya-biaya yang hanya bersifat pungli.
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