{"id":2722,"date":"2025-04-15T14:16:20","date_gmt":"2025-04-15T07:16:20","guid":{"rendered":"https:\/\/sekitarmaja.com\/?p=2722"},"modified":"2025-04-15T14:16:20","modified_gmt":"2025-04-15T07:16:20","slug":"shgb-vs-shm-tips-memahami-status-sertifikat-rumah-sebelum-beli-properti","status":"publish","type":"post","link":"https:\/\/sekitarmaja.com\/?p=2722","title":{"rendered":"SHGB vs SHM: Tips Memahami Status Sertifikat Rumah Sebelum Beli Properti"},"content":{"rendered":"\n<p>MAJA, SEKITARMAJA.COM &#8211; Banyak calon pembeli rumah mengira <strong>developer properti menipu<\/strong> jika menawarkan rumah berstatus <strong>Sertifikat Hak Guna Bangunan (SHGB)<\/strong>. <\/p>\n\n\n\n<p>Padahal, hal ini <strong>sesuai hukum<\/strong>, karena developer sebagai badan hukum (PT) <strong>tidak boleh memiliki Sertifikat Hak Milik (SHM)<\/strong>.<\/p>\n\n\n\n<p>Namun, <strong>SHGB bisa di-upgrade ke SHM<\/strong> setelah rumah dibalik nama ke pembeli (perorangan). <\/p>\n\n\n\n<p>Dalam artikel ini, kami akan menjelaskan <strong>perbedaan SHGB dan SHM<\/strong>, serta <strong>tips mengajukan upgrade sertifikat<\/strong> untuk pemilik rumah. Simak selengkapnya!<\/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=2722\/#1_Perbedaan_SHGB_dan_SHM\" title=\"1. Perbedaan SHGB dan SHM\">1. Perbedaan SHGB dan SHM<\/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=2722\/#2_Cara_Upgrade_SHGB_ke_SHM_Setelah_Beli_Rumah\" title=\"2. Cara Upgrade SHGB ke SHM Setelah Beli Rumah\">2. Cara Upgrade SHGB ke SHM Setelah Beli Rumah<\/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=2722\/#a_Upgrade_Saat_Akad_Jual_Beli\" title=\"a. Upgrade Saat Akad Jual Beli\">a. Upgrade Saat Akad Jual Beli<\/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=2722\/#b_Upgrade_Setelah_Pelunasan_KPR\" title=\"b. Upgrade Setelah Pelunasan KPR\">b. Upgrade Setelah Pelunasan KPR<\/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=2722\/#3_Tips_Memilih_Properti_Berstatus_SHGB\" title=\"3. Tips Memilih Properti Berstatus SHGB\">3. Tips Memilih Properti Berstatus SHGB<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Perbedaan_SHGB_dan_SHM\"><\/span><strong>1. Perbedaan SHGB dan SHM<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Sebelum membeli properti, pahami dulu perbedaan kedua jenis sertifikat ini:<\/p>\n\n\n\n<p>\u2705 <strong>SHGB (Hak Guna Bangunan)<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Dikeluarkan untuk <strong>badan hukum (PT\/perusahaan)<\/strong>.<\/li>\n\n\n\n<li>Masa berlaku <strong>30 tahun<\/strong> (bisa diperpanjang).<\/li>\n\n\n\n<li>Developer hanya bisa menjual properti dengan status ini.<\/li>\n<\/ul>\n\n\n\n<p>\u2705 <strong>SHM (Hak Milik)<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Hanya bisa dimiliki <strong>perorangan (individu)<\/strong>.<\/li>\n\n\n\n<li>Berlaku <strong>permanen<\/strong> tanpa batas waktu.<\/li>\n\n\n\n<li>Bisa di-upgrade dari SHGB setelah pembeli membalik nama sertifikat.<\/li>\n<\/ul>\n\n\n\n<p><strong>Catatan:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>SHGB bukan penipuan<\/strong>, melainkan aturan hukum yang berlaku.<\/li>\n\n\n\n<li>Pastikan developer memberikan <strong>jaminan upgrade ke SHM<\/strong> dalam perjanjian jual beli.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Cara_Upgrade_SHGB_ke_SHM_Setelah_Beli_Rumah\"><\/span><strong>2. Cara Upgrade SHGB ke SHM Setelah Beli Rumah<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ada <strong>2 skema upgrade<\/strong> yang bisa dipilih:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"a_Upgrade_Saat_Akad_Jual_Beli\"><\/span><strong>a. Upgrade Saat Akad Jual Beli<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Beberapa developer menawarkan <strong>paket upgrade langsung<\/strong> saat transaksi.<\/li>\n\n\n\n<li>Biaya upgrade biasanya <strong>sudah termasuk dalam harga jual<\/strong>.<\/li>\n\n\n\n<li>Cocok untuk pembeli yang ingin langsung memiliki SHM.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"b_Upgrade_Setelah_Pelunasan_KPR\"><\/span><strong>b. Upgrade Setelah Pelunasan KPR<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Jika membeli secara <strong>KPR<\/strong>, proses upgrade dilakukan <strong>setelah cicilan lunas<\/strong>.<\/li>\n\n\n\n<li>Pembeli perlu mengajukan permohonan ke <strong>Badan Pertanahan Nasional (BPN)<\/strong>.<\/li>\n\n\n\n<li>Biaya bervariasi, tergantung <strong>lokasi dan luas tanah<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p><strong>Prosedur Upgrade:<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Balik nama sertifikat<\/strong> dari developer ke pembeli.<\/li>\n\n\n\n<li><strong>Ajukan permohonan SHM<\/strong> ke BPN dengan dokumen:<\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Sertifikat SHGB asli<\/li>\n\n\n\n<li>KTP &amp; NPWP<\/li>\n\n\n\n<li>Bukti pelunasan KPR (jika beli secara kredit)<\/li>\n<\/ul>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Bayar biaya peralihan hak<\/strong> (BPHTB, PPh, dll).<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Tips_Memilih_Properti_Berstatus_SHGB\"><\/span><strong>3. Tips Memilih Properti Berstatus SHGB<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Agar tidak salah beli, ikuti tips berikut:<\/p>\n\n\n\n<p>\u2714 <strong>Pastikan Developer Terpercaya<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cek rekam jejak developer dan baca review pembeli sebelumnya.<\/li>\n\n\n\n<li>Pastikan ada <strong>perjanjian tertulis<\/strong> tentang upgrade SHM.<\/li>\n<\/ul>\n\n\n\n<p>\u2714 <strong>Hitung Biaya Upgrade Sebelum Beli<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Biaya upgrade SHM bisa <strong>Rp 5-20 juta<\/strong> tergantung lokasi.<\/li>\n\n\n\n<li>Tanyakan ke developer apakah biaya sudah termasuk dalam harga jual.<\/li>\n<\/ul>\n\n\n\n<p>\u2714 <strong>Periksa Legalitas Sertifikat<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pastikan SHGB masih aktif (tidak kadaluarsa).<\/li>\n\n\n\n<li>Verifikasi ke <strong>BPN setempat<\/strong> untuk memastikan tidak ada sengketa.<\/li>\n<\/ul>\n\n\n\n<p>\u2714 <strong>Pilih Skema Pembayaran yang Tepat<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Jika beli <strong>cash<\/strong>, upgrade SHM bisa lebih cepat.<\/li>\n\n\n\n<li>Jika pakai <strong>KPR<\/strong>, pastikan bank mendukung proses konversi sertifikat.<\/li>\n<\/ul>\n\n\n\n<p><strong>SHGB bukan penipuan<\/strong>, melainkan status sertifikat yang wajar untuk developer properti. Pembeli bisa <strong>meng-upgrade ke SHM<\/strong> setelah balik nama, baik saat akad jual beli atau setelah pelunasan KPR.<\/p>\n\n\n\n<p>Dengan memahami <strong>perbedaan SHGB dan SHM<\/strong>, serta memilih developer yang transparan, Anda bisa terhindar dari masalah hukum di kemudian hari. Selalu lakukan <strong>due diligence<\/strong> sebelum membeli properti! (*\/)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>MAJA, SEKITARMAJA.COM &#8211; Banyak calon pembeli rumah mengira developer properti menipu jika menawarkan rumah berstatus Sertifikat Hak Guna Bangunan (SHGB). Padahal, hal ini sesuai hukum, karena developer sebagai badan hukum (PT) tidak boleh memiliki Sertifikat Hak Milik (SHM). Namun, SHGB bisa di-upgrade ke SHM setelah rumah dibalik nama ke pembeli (perorangan). Dalam artikel ini, kami&#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":[1318,1215,1317,905,1316],"class_list":["post-2722","post","type-post","status-publish","format-standard","hentry","category-properti","tag-beli-rumah-aman","tag-kpr-rumah","tag-shgb","tag-shm","tag-tips-properti"],"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; Banyak calon pembeli rumah mengira developer properti menipu jika menawarkan rumah berstatus Sertifikat Hak Guna Bangunan (SHGB). Padahal, hal ini sesuai hukum, karena developer sebagai badan hukum (PT) tidak boleh memiliki Sertifikat Hak Milik (SHM). Namun, SHGB bisa di-upgrade ke SHM setelah rumah dibalik nama ke pembeli (perorangan). Dalam artikel ini, kami...","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/sekitarmaja.com\/index.php?rest_route=\/wp\/v2\/posts\/2722","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=2722"}],"version-history":[{"count":0,"href":"https:\/\/sekitarmaja.com\/index.php?rest_route=\/wp\/v2\/posts\/2722\/revisions"}],"wp:attachment":[{"href":"https:\/\/sekitarmaja.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2722"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sekitarmaja.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2722"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sekitarmaja.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2722"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}