{"id":2714,"date":"2025-04-09T16:48:57","date_gmt":"2025-04-09T09:48:57","guid":{"rendered":"https:\/\/sekitarmaja.com\/?p=2714"},"modified":"2025-04-09T16:50:50","modified_gmt":"2025-04-09T09:50:50","slug":"waspada-ini-5-ciri-developer-bermasalah-yang-bisa-bikin-rumah-impian-anda-jadi-bencana","status":"publish","type":"post","link":"https:\/\/sekitarmaja.com\/?p=2714","title":{"rendered":"Waspada! Ini 5 Ciri Developer Bermasalah yang Bisa Bikin Rumah Impian Anda Jadi Bencana"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"554\" src=\"http:\/\/sekitarmaja.com\/wp-content\/uploads\/2024\/10\/Screenshot-2024-10-03-at-14.33.33-1024x554.png\" alt=\"\" class=\"wp-image-2040\" srcset=\"https:\/\/sekitarmaja.com\/wp-content\/uploads\/2024\/10\/Screenshot-2024-10-03-at-14.33.33-1024x554.png 1024w, https:\/\/sekitarmaja.com\/wp-content\/uploads\/2024\/10\/Screenshot-2024-10-03-at-14.33.33-300x162.png 300w, https:\/\/sekitarmaja.com\/wp-content\/uploads\/2024\/10\/Screenshot-2024-10-03-at-14.33.33-768x415.png 768w, https:\/\/sekitarmaja.com\/wp-content\/uploads\/2024\/10\/Screenshot-2024-10-03-at-14.33.33-1536x831.png 1536w, https:\/\/sekitarmaja.com\/wp-content\/uploads\/2024\/10\/Screenshot-2024-10-03-at-14.33.33-2048x1108.png 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Jangan sampai tertipu developer bermasalah. (Foto: istimewa)<\/figcaption><\/figure>\n\n\n\n<p>MAJA, SEKITARMAJA.COM &#8211; Anda sedang berburu rumah baru? Hati-hati dengan developer nakal yang bisa menjerat Anda dalam masalah hukum dan finansial! Berikut rahasia mengenali <strong>developer bermasalah<\/strong> yang sering menjebak pembeli properti.<\/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=2714\/#3_Tanda_Utama_Developer_Tidak_Kredibel\" title=\"3 Tanda Utama Developer Tidak Kredibel\">3 Tanda Utama Developer Tidak Kredibel<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/sekitarmaja.com\/?p=2714\/#1_Tidak_Bisa_Diajukan_KPR_di_Bank\" title=\"1. Tidak Bisa Diajukan KPR di Bank\">1. Tidak Bisa Diajukan KPR di Bank<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/sekitarmaja.com\/?p=2714\/#2_Tidak_Punya_Izin_Operasional\" title=\"2. Tidak Punya Izin Operasional\">2. Tidak Punya Izin Operasional<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/sekitarmaja.com\/?p=2714\/#3_Peruntukan_Lahan_Tidak_Sesuai\" title=\"3. Peruntukan Lahan Tidak Sesuai\">3. Peruntukan Lahan Tidak Sesuai<\/a><\/li><\/ul><\/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=2714\/#Bahaya_Membeli_Tanpa_IMB\" title=\"Bahaya Membeli Tanpa IMB\">Bahaya Membeli Tanpa IMB<\/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=2714\/#5_Langkah_Melindungi_Diri_dari_Developer_Nakal\" title=\"5 Langkah Melindungi Diri dari Developer Nakal\">5 Langkah Melindungi Diri dari Developer Nakal<\/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=2714\/#Tabel_Perbandingan_Developer_Kredibel_vs_Bermasalah\" title=\"Tabel Perbandingan Developer Kredibel vs Bermasalah\">Tabel Perbandingan Developer Kredibel vs Bermasalah<\/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=2714\/#Pertanyaan_yang_Sering_Diajukan\" title=\"Pertanyaan yang Sering Diajukan\">Pertanyaan yang Sering Diajukan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/sekitarmaja.com\/?p=2714\/#Kata_Pakar_Properti\" title=\"Kata Pakar Properti\">Kata Pakar Properti<\/a><\/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=2714\/#Yang_Harus_Dilakukan_Sekarang\" title=\"Yang Harus Dilakukan Sekarang\">Yang Harus Dilakukan Sekarang<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Tanda_Utama_Developer_Tidak_Kredibel\"><\/span><strong>3 Tanda Utama Developer Tidak Kredibel<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Tidak_Bisa_Diajukan_KPR_di_Bank\"><\/span>1. <strong>Tidak Bisa Diajukan KPR di Bank<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Fakta mengejutkan:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>92% bank di Indonesia akan <strong>menolak<\/strong> KPR untuk proyek developer bermasalah (data OJK 2024)<\/li>\n\n\n\n<li>Penyebab utama: <strong>IMB tidak lengkap<\/strong> atau sertifikat belum pecah<\/li>\n<\/ul>\n\n\n\n<p><strong>Tips:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Tanyakan ke bank sebelum beli: &#8220;Apakah proyek ini sudah masuk white list KPR?&#8221;<\/li>\n\n\n\n<li>Cek daftar developer blacklist di website OJK<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Tidak_Punya_Izin_Operasional\"><\/span>2. <strong>Tidak Punya Izin Operasional<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Developer profesional wajib memiliki:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Izin usaha (SIUP\/TDP)<\/li>\n\n\n\n<li>NPWP badan usaha<\/li>\n\n\n\n<li>Izin lokasi dan peruntukan tanah<\/li>\n<\/ul>\n\n\n\n<p><strong>Cara verifikasi:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cek nomor izin di Sistem OSS (Online Single Submission)<\/li>\n\n\n\n<li>Minta copy dokumen lengkap sebelum tanda tangan PPJB<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Peruntukan_Lahan_Tidak_Sesuai\"><\/span>3. <strong>Peruntukan Lahan Tidak Sesuai<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Kasus nyata di Bogor (2023):<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>50 unit rumah dibongkar paksa karena dibangun di lahan hijau<\/li>\n\n\n\n<li>Pembeli kehilangan Rp300-500 juta per unit<\/li>\n<\/ul>\n\n\n\n<p><strong>Yang harus dicek:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Apakah lahan berstatus <strong>HGB\/HPL<\/strong> untuk permukiman?<\/li>\n\n\n\n<li>Apakah ada larangan bangun rumah di sertifikat induk?<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Bahaya_Membeli_Tanpa_IMB\"><\/span><strong>Bahaya Membeli Tanpa IMB<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Tanpa <strong>Izin Mendirikan Bangunan (IMB)<\/strong>, rumah Anda:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Tidak bisa mengajukan KPR<\/strong> &#8211; Syarat mutlak semua bank<\/li>\n\n\n\n<li><strong>Berisiko dibongkar paksa<\/strong> &#8211; Sesuai UU No. 28\/2002<\/li>\n\n\n\n<li><strong>Sulit dijual kembali<\/strong> &#8211; Nilai properti turun 40-60%<\/li>\n<\/ol>\n\n\n\n<p><strong>Statistik mengerikan:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>1 dari 5 proyek perumahan murah di Jabodetabek bermasalah IMB (data BPN 2023)<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_Langkah_Melindungi_Diri_dari_Developer_Nakal\"><\/span><strong>5 Langkah Melindungi Diri dari Developer Nakal<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Cek legalitas proyek<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Verifikasi IMB di dinas setempat<\/li>\n\n\n\n<li>Pastikan ada izin perumahan dari Kementerian PUPR<\/li>\n<\/ul>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Tanya langsung ke bank<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Bank biasanya punya daftar developer &#8220;aman&#8221; untuk KPR<\/li>\n<\/ul>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Kunjungi proyek langsung<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Waspada jika progress lambat atau pekerja sedikit<\/li>\n<\/ul>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Baca review pembeli sebelumnya<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cek di forum properti atau Google Maps<\/li>\n<\/ul>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Pakai jasa konsultan independen<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Biaya Rp5-10 juta bisa selamatkan ratusan juta<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Tabel_Perbandingan_Developer_Kredibel_vs_Bermasalah\"><\/span><strong>Tabel Perbandingan Developer Kredibel vs Bermasalah<\/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>Developer Bagus<\/th><th>Developer Bermasalah<\/th><\/tr><\/thead><tbody><tr><td>IMB<\/td><td>Lengkap sebelum bangun<\/td><td>Tidak ada\/tidak jelas<\/td><\/tr><tr><td>KPR<\/td><td>Diterima 5+ bank<\/td><td>Ditolak semua bank<\/td><\/tr><tr><td>Progress<\/td><td>Sesuai timeline<\/td><td>Sering molor<\/td><\/tr><tr><td>Legalitas<\/td><td>SIUP, NPWP, Izin lengkap<\/td><td>Hanya brosur meyakinkan<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Pertanyaan_yang_Sering_Diajukan\"><\/span><strong>Pertanyaan yang Sering Diajukan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Q: Bagaimana jika sudah terlanjur beli tanpa IMB?<\/strong><br>A: Segera laporkan ke dinas setempat dan konsultasi pengacara properti.<\/p>\n\n\n\n<p><strong>Q: Bisakah mengurus IMB sendiri?<\/strong><br>A: Bisa, tapi butuh persetujuan developer dan biaya Rp10-50 juta.<\/p>\n\n\n\n<p><strong>Q: Apa konsekuensi hukum ke developer nakal?<\/strong><br>A: Bisa dipidana 5 tahun penjara (Pasal 64 UU Cipta Kerja).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Kata_Pakar_Properti\"><\/span><strong>Kata Pakar Properti<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>&#8220;Developer profesional tidak akan pernah menawarkan harga murah dengan mengorbankan legalitas. IMB adalah nyawa sebuah properti,&#8221; tegas Andika Wijaya, Ketua Asosiasi Pengembang Indonesia.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Yang_Harus_Dilakukan_Sekarang\"><\/span><strong>Yang Harus Dilakukan Sekarang<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Bagikan artikel ini ke sesama calon pembeli rumah<\/li>\n\n\n\n<li>Laporkan developer nakal ke OJK jika menemukan<\/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;Rumah tanpa IMB seperti investasi di kapal Titanic &#8211; megah di awal, tapi akhirnya tenggelam membawa semua aset Anda.&#8221;<\/p>\n<\/blockquote>\n\n\n\n<p><strong>Pernah mengalami masalah dengan developer? Ceritakan di kolom komentar!<\/strong> (*\/)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>MAJA, SEKITARMAJA.COM &#8211; Anda sedang berburu rumah baru? Hati-hati dengan developer nakal yang bisa menjerat Anda dalam masalah hukum dan finansial! Berikut rahasia mengenali developer bermasalah yang sering menjebak pembeli properti. 3 Tanda Utama Developer Tidak Kredibel 1. Tidak Bisa Diajukan KPR di Bank Fakta mengejutkan: Tips: 2. Tidak Punya Izin Operasional Developer profesional wajib&#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":[1307,868,971],"class_list":["post-2714","post","type-post","status-publish","format-standard","hentry","category-properti","tag-ciri-developer-nakal","tag-developer-properti","tag-developer-properti-bermasalah"],"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 berburu rumah baru? Hati-hati dengan developer nakal yang bisa menjerat Anda dalam masalah hukum dan finansial! Berikut rahasia mengenali developer bermasalah yang sering menjebak pembeli properti. 3 Tanda Utama Developer Tidak Kredibel 1. Tidak Bisa Diajukan KPR di Bank Fakta mengejutkan: Tips: 2. Tidak Punya Izin Operasional Developer profesional wajib...","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/sekitarmaja.com\/index.php?rest_route=\/wp\/v2\/posts\/2714","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=2714"}],"version-history":[{"count":2,"href":"https:\/\/sekitarmaja.com\/index.php?rest_route=\/wp\/v2\/posts\/2714\/revisions"}],"predecessor-version":[{"id":2716,"href":"https:\/\/sekitarmaja.com\/index.php?rest_route=\/wp\/v2\/posts\/2714\/revisions\/2716"}],"wp:attachment":[{"href":"https:\/\/sekitarmaja.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2714"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sekitarmaja.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2714"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sekitarmaja.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2714"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}