In today’s modern era, buying and selling houses is easier than in the past. When you need money and want to sell a house quickly, or want to buy a house to live in, there are many house buying and selling channels available, both online and offline. In addition, there are also intermediaries who are quite transparent in the house buying and selling process.
However, that doesn’t mean you have to let go of your hands when it comes to buying and selling a house! After all, buying and selling a house is an important thing that must still be monitored and carried out carefully. Therefore, before buying and selling a house, first understand the six important things you should know about buying and selling a house from Kania below!
1. Estimation and Pricing
Unlike shopping for other products, buying and selling a house must have its own calculation principles that are related to many things. The existence of varying property prices does not mean that you can determine the price of buying and selling a house arbitrarily.
Some common methods are based on NJOP or Taxable Object Sales Value, so to be able to determine your own NJOP you can follow several ways to check NJOP online on the internet.
In addition, you can also determine it based on market prices, or based on investment and profit and loss calculations. Therefore, before buying and selling a house, check and set the price carefully and correctly so that you do not suffer a loss.
2. Selling Yourself VS Home Buying and Selling Agent Services
Although buying and selling houses is now easier, it is not as easy as turning the palm of your hand for buying and selling houses. Therefore, many property agent services have emerged that specifically offer services or services for buying and selling houses that have a higher percentage of success. However, if you use the services of a house buying and selling agent, of course there are also additional costs that you have to pay for the services of the property agent.
By using the services of a house buying and selling agent, you will not be bothered by advertising problems, time, and energy to sell or buy a house. This is because the house buying and selling agent will also help with the paperwork until it is complete. However, if you use the services of a house buying and selling agent, you still have to be observant and know all the processes of buying and selling a house from start to finish so that you are not deceived by dishonest property service agents.
3. Completeness of the House Sale and Purchase Letter
In the process of buying and selling a house, everything must start with the legality in the form of complete documents for the property to be traded. As a standard, there are several documents that must be present for a house buying and selling transaction. The first is proof of land ownership, including a land ownership certificate (SHM), a building use rights certificate (HGB), or a use rights certificate. All of these letters and documents are very important in buying and selling a house to avoid land disputes in the future.
Other important letters and documents in buying and selling a house are the deed of sale and purchase (AJB) and the sale and purchase agreement (SPJB). Although similar and equally important, the AJB and SPJB letters have differences. The AJB letter, which is part of the land ownership certificate, must be processed by a notary to ensure its validity. When buying and selling a house, don’t forget to ask for or provide a building permit (IMB), land and building tax (PBB) letter, and proof of the last payment such as PDAM, telephone, and electricity bills.
4. Down Payment (DP) Procedures When Buying and Selling a House
Cash or loan? Of course, every house sale and purchase transaction must begin with a deposit in the form of a down payment or DP. The amount of this down payment is relative according to the request and approval of the related parties. In the process of paying the DP for the house sale and purchase, make sure there is a receipt according to the transfer of money which is followed by a letter of agreement for the sale and purchase of the house made by a notary. This will be the basis for making the AJB or deed of sale and purchase later.
5. Home Buying and Selling Funding
Funding or financing for buying and selling a house all depends on the financial plan of the home buyer. There are several funding options for buying and selling a house that can all be chosen according to the most ideal conditions, for example, home ownership credit (KPR) through private or government banks and unsecured credit (KTA). Of course, the process of funding the buying and selling of this house must be paid off according to the terms and conditions agreed upon by all parties before the original documents of home ownership are legally transferred.
6. Always Be Extra Careful When Buying and Selling a House
All the technical matters of buying and selling a house above have followed the general procedures for buying and selling a house. The most important thing that you must always remember is to always be vigilant and extra careful from the beginning and in every stage of buying and selling a house, starting from choosing a broker service, agreement with prospective buyers or sellers of the house, to processing the final funding stage of buying and selling the house.
In buying and selling a house, always check the reputation of the party selling or buying the house, especially if taking it from a developer for a housing project that is still under construction. Matters of spending costs, such as booking fees, must always be clear with a note that they will be returned if the home ownership credit (KPR) application process is rejected. Also, do not pay a down payment if the KPR has not been approved. Avoid underhand transactions because they are very risky to cause losses.
Now, after reading the discussion above, you can buy and sell a house without having to be afraid of taking the wrong steps or experiencing losses. Happy buying and selling a house!
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