Meski bukan menjadi dokumen yang menunjukkan kepemilikan tanah, AJB ternyata masih bisa digadaikan, lo! Simak cara gadai AJB di Pegadaian di sini!
Dalam proses jual beli tanah atau rumah, umumnya akan ada dokumen Akta Jual Beli (AJB) untuk menunjukkan adanya transaksi yang sah.
Namun, AJB tidak sama dengan sertifikat tanah karena bukan merupakan dokumen yang menunjukan kepemilikan sah atas suatu lahan.
Uniknya, meski tidak setingkat dengan sertifikat tanah, AJB masih bisa digadaikan atau dijaminkan untuk meminjam uang di Pegadaian.
Yuk, simak seperti apa cara gadai AJB di Pegadaian di bawah ini!
Cara Gadai AJB di Pegadaian
sumber: mcmproperti.id
Pegadaian adalah lembaga keuangan yang menyediakan layanan jasa gadai beragam jenis produk.
Kamu bisa menggadaikan barang seperti emas, kendaraan, efek, sertifikat tanah, hingga AJB di tempat ini.
Cara menggadaikan barang di Pegadaian juga terbilang mudah dan tidak sesulit yang kamu kira.
Berikut adalah cara gadai AJB di Pegadaian yang bisa kamu pelajari:
Datang ke Pegadaian terdekat, baik Pegadaian Syariah atau Konvensional, dengan membawa dokumen yang dibutuhkan.
Memberikan berkas dan dokumen ke petugas di loket yang tersedia.
Petugas akan mengecek kelengkapan dokumen dan melakukan verifikasi data.
Jika permohonan diterima, tim Pegadaian akan menghubungi untuk melakukan survei.
Setelah survei selesai, tim Pegadaian akan memberitahu nilai maksimal dana yang bisa dipinjam.
Apabila kedua pihak sudah setuju, dana pinjaman bisa diambil di kantor Pegadaian tempat mengajukan permohonan atau ditransfer ke rekening.
Umumnya, dana pinjaman yang diterima oleh nasabah yang menggadaikan AJB berkisaran antara Rp1 juta hingga Rp200 juta.
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Dokumen yang Diperlukan untuk Gadai AJB
Seperti yang sudah dijelaskan sebelumnya, ada beragam dokumen yang wajib kamu siapkan ketika menggadaikan AJB.
Syarat dan dokumen yang diperlukan umumnya tidak jauh berbeda dengan gadai ke bank atau gadai sertifikat tanah.
Berikut adalah beragam dokumen yang diperlukan untuk gadai AJB:
Akta Jual Beli (AJB)
Fotokopi KTP dan KK
Slip Gaji
Fotokopi Surat Nikah jika sudah menikah
Fotokopi NPWP
Surat Keterangan Bekerja
Meski dokumen yang dibutuhkan berupa salinan, pastikan kamu turut membawa dokumen asli ketika mendatangi Pegadaian.
Selain itu, kamu juga bisa membawa sertifikat tanah untuk menghindari kemungkinan AJB ganda dan sebagai bukti kamu pemilik sah properti tersebut.
Syarat Jaminan Gadai AJB di Pegadaian
Gadai AJB di Pegadaian berarti kamu telah menyerahkan tanah atau bangunan yang kamu miliki sebagai agunan.
Hal ini berarti, jika kamu tidak mengembalikan pinjamannya saat jatuh tempo, maka jaminan akan disita oleh lembaga keuangan.
Oleh karena itu, lembaga keuangan seperti Pegadaian telah menetapkan syarat jaminan yang memiliki nilai jual yang kurang lebih sama dengan jumlah pinjaman dana.
Berikut adalah syarat jaminan gadai AJB di Pegadaian:
Jaminan Tanah Produktif
Tanah produktif tidak terletak di struktur tanah yang sulit dijangkau.
Status tanah tidak bermasalah atau terblokir.
Status tanah tidak menjadi jaminan pinjaman atau tidak diikat hak tanggungan oleh pihak lain.
Lokasi tanah bisa berbeda dengan tempat tinggal nasabah asalkan masih dalam naungan satu kantor wilayah yang sama.
Lulusan Hubungan Internasional di Universitas Katolik Parahyangan dan pernah bekerja sebagai jurnalis di media nasional. Sekarang fokus menulis tentang properti, gaya hidup, desain, dan politik luar negeri. Senang bermain game di waktu senggang.
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