{"id":2710,"date":"2025-04-09T16:37:00","date_gmt":"2025-04-09T09:37:00","guid":{"rendered":"https:\/\/sekitarmaja.com\/?p=2710"},"modified":"2025-04-09T16:38:49","modified_gmt":"2025-04-09T09:38:49","slug":"shgb-vs-shm-mana-lebih-aman-saat-beli-rumah","status":"publish","type":"post","link":"https:\/\/sekitarmaja.com\/?p=2710","title":{"rendered":"SHGB vs SHM: Mana Lebih Aman Saat Beli Rumah?"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"479\" src=\"http:\/\/sekitarmaja.com\/wp-content\/uploads\/2024\/07\/Screenshot-2024-07-23-at-07.04.36-1024x479.png\" alt=\"\" class=\"wp-image-1711\" srcset=\"https:\/\/sekitarmaja.com\/wp-content\/uploads\/2024\/07\/Screenshot-2024-07-23-at-07.04.36-1024x479.png 1024w, https:\/\/sekitarmaja.com\/wp-content\/uploads\/2024\/07\/Screenshot-2024-07-23-at-07.04.36-300x140.png 300w, https:\/\/sekitarmaja.com\/wp-content\/uploads\/2024\/07\/Screenshot-2024-07-23-at-07.04.36-768x359.png 768w, https:\/\/sekitarmaja.com\/wp-content\/uploads\/2024\/07\/Screenshot-2024-07-23-at-07.04.36-1536x719.png 1536w, https:\/\/sekitarmaja.com\/wp-content\/uploads\/2024\/07\/Screenshot-2024-07-23-at-07.04.36-2048x958.png 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>MAJA, SEKITARMAJA.COM &#8211; Anda sedang bingung memilih antara rumah berstatus <strong>SHGB<\/strong> (Surat Hak Guna Bangunan) yang sudah pecah sertifikat atau <strong>SHM<\/strong> (Sertifikat Hak Milik) yang belum split? Ini pertanyaan krusial yang bisa menentukan nasib investasi properti Anda selama puluhan tahun ke depan!<\/p>\n\n\n\n<p>Berikut rahasia memilih sertifikat rumah yang paling minim risiko.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_73 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/sekitarmaja.com\/?p=2710\/#SHGB_Adalah%E2%80%A6\" title=\"SHGB Adalah\u2026\">SHGB Adalah\u2026<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/sekitarmaja.com\/?p=2710\/#Perbandingan_SHGB_Split_vs_SHM_Belum_Split\" title=\"Perbandingan SHGB Split vs SHM Belum Split\">Perbandingan SHGB Split vs SHM Belum Split<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/sekitarmaja.com\/?p=2710\/#1_SHGB_Sudah_Split_Atas_Nama_PT_Developer\" title=\"1. SHGB Sudah Split Atas Nama PT Developer\">1. SHGB Sudah Split Atas Nama PT Developer<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/sekitarmaja.com\/?p=2710\/#2_SHM_Belum_Split_Atas_Nama_Owner\" title=\"2. SHM Belum Split Atas Nama Owner\">2. SHM Belum Split Atas Nama Owner<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/sekitarmaja.com\/?p=2710\/#Kasus_Nyata_yang_Bikin_Merinding\" title=\"Kasus Nyata yang Bikin Merinding\">Kasus Nyata yang Bikin Merinding<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/sekitarmaja.com\/?p=2710\/#3_Tips_Penting_Saat_Beli_Rumah_Berstatus_SHGB\" title=\"3 Tips Penting Saat Beli Rumah Berstatus SHGB\">3 Tips Penting Saat Beli Rumah Berstatus SHGB<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/sekitarmaja.com\/?p=2710\/#Tabel_Perbandingan_SHGB_vs_SHM\" title=\"Tabel Perbandingan SHGB vs SHM\">Tabel Perbandingan SHGB vs SHM<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/sekitarmaja.com\/?p=2710\/#Pertanyaan_yang_Sering_Muncul\" title=\"Pertanyaan yang Sering Muncul\">Pertanyaan yang Sering Muncul<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/sekitarmaja.com\/?p=2710\/#Kata_Pakar_Properti\" title=\"Kata Pakar Properti\">Kata Pakar Properti<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/sekitarmaja.com\/?p=2710\/#Yang_Harus_Anda_Lakukan_Sekarang\" title=\"Yang Harus Anda Lakukan Sekarang\">Yang Harus Anda Lakukan Sekarang<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"SHGB_Adalah%E2%80%A6\"><\/span><strong>SHGB Adalah\u2026<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Surat Hak Guna Bangunan (SHGB)<\/strong> adalah sertifikat sementara yang diberikan negara untuk hak guna bangunan selama 30 tahun (bisa diperpanjang). <\/p>\n\n\n\n<p>Berbeda dengan SHM yang bersifat permanen, <strong>SHGB<\/strong> biasanya dimiliki developer sebelum mengajukan konversi ke SHM.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Perbandingan_SHGB_Split_vs_SHM_Belum_Split\"><\/span><strong>Perbandingan SHGB Split vs SHM Belum Split<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_SHGB_Sudah_Split_Atas_Nama_PT_Developer\"><\/span><strong>1. SHGB Sudah Split Atas Nama PT Developer<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u2705 <strong>Kelebihan:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Sudah terpecah per unit (tinggal balik nama)<\/li>\n\n\n\n<li>Proses balik nama lebih cepat (3-6 bulan)<\/li>\n\n\n\n<li>Risiko selisih luas tanah minimal<\/li>\n<\/ul>\n\n\n\n<p>\u274c <strong>Kekurangan:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Masih atas nama developer<\/li>\n\n\n\n<li>Harus segera diurus konversi ke SHM<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_SHM_Belum_Split_Atas_Nama_Owner\"><\/span><strong>2. SHM Belum Split Atas Nama Owner<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u2705 <strong>Kelebihan:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Status sertifikat lebih tinggi<\/li>\n\n\n\n<li>Nilai jual lebih mahal<\/li>\n<\/ul>\n\n\n\n<p>\u274c <strong>Kekurangan:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Risiko pengajuan split ditolak BPN<\/li>\n\n\n\n<li>Potensi selisih luas tanah 5-10%<\/li>\n\n\n\n<li>Proses pecah sertifikat bisa 1-3 tahun<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Kasus_Nyata_yang_Bikin_Merinding\"><\/span><strong>Kasus Nyata yang Bikin Merinding<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Seorang klien di Bekasi membeli rumah dengan <strong>SHM belum split<\/strong> seharga Rp1,2M. Setelah 2 tahun, ternyata:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Hanya 85% luas tanah yang disetujui BPN<\/li>\n\n\n\n<li>Harus membayar Rp75 juta untuk pengurusan ekstra<\/li>\n\n\n\n<li>Nilai properti langsung turun 20%<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Tips_Penting_Saat_Beli_Rumah_Berstatus_SHGB\"><\/span><strong>3 Tips Penting Saat Beli Rumah Berstatus SHGB<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Pastikan SHGB sudah split per unit<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cek ke BPN dengan nomor sertifikat<\/li>\n\n\n\n<li>Minta salinan sertifikat pecah dari developer<\/li>\n<\/ul>\n\n\n\n<p>2. <strong>Percepat proses balik nama<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Jangan tunggu sampai KPR lunas<\/li>\n\n\n\n<li>Biaya balik nama SHGB sekitar 1-2% nilai properti<\/li>\n<\/ul>\n\n\n\n<p>3. <strong>Konversi ke SHM sebelum 5 tahun<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Developer wajib membantu proses ini<\/li>\n\n\n\n<li>Biaya konversi ditanggung pembeli (Rp2-5 juta)<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Tabel_Perbandingan_SHGB_vs_SHM\"><\/span><strong>Tabel Perbandingan SHGB vs SHM<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Kriteria<\/th><th>SHGB Split<\/th><th>SHM Belum Split<\/th><\/tr><\/thead><tbody><tr><td>Kekuatan Hukum<\/td><td>Sementara<\/td><td>Permanen<\/td><\/tr><tr><td>Proses Balik Nama<\/td><td>3-6 bulan<\/td><td>Tidak bisa sebelum split<\/td><\/tr><tr><td>Risiko Selisih Luas<\/td><td>&lt;2%<\/td><td>5-10%<\/td><\/tr><tr><td>Biaya Tambahan<\/td><td>Konversi ke SHM<\/td><td>Pecah sertifikat<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Pertanyaan_yang_Sering_Muncul\"><\/span><strong>Pertanyaan yang Sering Muncul<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Q: Apakah SHGB bisa dijadikan jaminan KPR?<\/strong><br>A: Bisa, tetapi bunga biasanya 0,5-1% lebih tinggi dibanding SHM.<\/p>\n\n\n\n<p><strong>Q: Berapa lama SHGB bisa dikonversi ke SHM?<\/strong><br>A: Idealnya dalam 5 tahun setelah bangunan selesai.<\/p>\n\n\n\n<p><strong>Q: Bagaimana jika developer menolak bantu balik nama?<\/strong><br>A: Anda bisa menggunakan PPJB sebagai dasar gugatan ke pengadilan.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Kata_Pakar_Properti\"><\/span><strong>Kata Pakar<\/strong> Properti<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>&#8220;Dalam 80% kasus, <strong>SHGB<\/strong> yang sudah split lebih aman daripada <strong>SHM<\/strong> belum split, terutama untuk properti horizontal seperti perumahan,&#8221; jelas Budi Santoso, Praktisi Hukum Properti.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Yang_Harus_Anda_Lakukan_Sekarang\"><\/span><strong>Yang Harus Anda Lakukan Sekarang<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Cek status sertifikat properti target Anda<\/li>\n\n\n\n<li>Konsultasi dengan notaris untuk review dokumen<\/li>\n\n\n\n<li>Hindari developer yang tidak transparan tentang proses sertifikat<\/li>\n<\/ol>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Ingat:<\/strong> &#8220;Properti tanpa sertifikat jelas bagaikan berlian dalam brankas tapi tanpa kunci &#8211; Anda tahu itu berharga, tapi tidak bisa memanfaatkannya sepenuhnya.&#8221;<\/p>\n<\/blockquote>\n\n\n\n<p><strong>Bagikan pengalaman Anda tentang SHGB\/SHM di kolom komentar!<\/strong> (*\/)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>MAJA, SEKITARMAJA.COM &#8211; Anda sedang bingung memilih antara rumah berstatus SHGB (Surat Hak Guna Bangunan) yang sudah pecah sertifikat atau SHM (Sertifikat Hak Milik) yang belum split? Ini pertanyaan krusial yang bisa menentukan nasib investasi properti Anda selama puluhan tahun ke depan! Berikut rahasia memilih sertifikat rumah yang paling minim risiko. SHGB Adalah\u2026 Surat Hak&#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_uag_custom_page_level_css":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[582],"tags":[556,8,1306,1304,1291,1305],"class_list":["post-2710","post","type-post","status-publish","format-standard","hentry","category-properti","tag-citra-maja-city","tag-maja-lebak","tag-risiko-shm-belum-split","tag-shgb-split","tag-shm-adalah","tag-shm-belum-split"],"aioseo_notices":[],"jetpack_featured_media_url":"","uagb_featured_image_src":{"full":false,"thumbnail":false,"medium":false,"medium_large":false,"large":false,"1536x1536":false,"2048x2048":false,"pubnews-featured":false,"pubnews-list":false,"pubnews-thumb":false,"pubnews-small":false,"pubnews-grid":false},"uagb_author_info":{"display_name":"sekitarmaja.com","author_link":"https:\/\/sekitarmaja.com\/?author=1"},"uagb_comment_info":0,"uagb_excerpt":"MAJA, SEKITARMAJA.COM &#8211; Anda sedang bingung memilih antara rumah berstatus SHGB (Surat Hak Guna Bangunan) yang sudah pecah sertifikat atau SHM (Sertifikat Hak Milik) yang belum split? Ini pertanyaan krusial yang bisa menentukan nasib investasi properti Anda selama puluhan tahun ke depan! Berikut rahasia memilih sertifikat rumah yang paling minim risiko. SHGB Adalah\u2026 Surat Hak...","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/sekitarmaja.com\/index.php?rest_route=\/wp\/v2\/posts\/2710","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/sekitarmaja.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/sekitarmaja.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/sekitarmaja.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/sekitarmaja.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=2710"}],"version-history":[{"count":3,"href":"https:\/\/sekitarmaja.com\/index.php?rest_route=\/wp\/v2\/posts\/2710\/revisions"}],"predecessor-version":[{"id":2713,"href":"https:\/\/sekitarmaja.com\/index.php?rest_route=\/wp\/v2\/posts\/2710\/revisions\/2713"}],"wp:attachment":[{"href":"https:\/\/sekitarmaja.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2710"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sekitarmaja.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2710"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sekitarmaja.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2710"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}