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| The portrait of the faculty of law of the University of Muhammadiyah Malang (UMM). (Photo: Istimewa) |
A house is one of the main assets for a newlywed or a family. It can even be a personal investment for the future. However, limitation comes from insufficient funds. If careless, it can risk unexpected things. For instance, the loss of property rights due to buildings or land issues can possibly happen. Then, in this case, the Lecturer of the Faculty of Law of the University of Muhammadiyah Malang (UMM), Isdian Anggraeny, S. H., M. Kn., shares several things to prepare before purchasing property, notably a house.
“Before buying a house, we need to ensure the purchasing method we use, whether it is in cash or by Home Ownership Loans. Both have different management methods. Moreover, we have to know the subject and object certainty in house buying and selling,” says the Lecturer.
The first thing is subject certainty. In this case, a subject consists of a buyer and a seller. A buyer must know the identity and the assurance of the asset seller. If they are still unmarried, their family or national identification cards must prove their status.
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“If the seller is already married, besides those two requirements, a marriage certificate is also necessary; unless there is a prenuptial agreement which proves the separation of husband and wife property,” she adds.
The next thing is object certainty after subject one. A house object stands on land rights. Then its document must be complete and provable. A land certificate itself varies, such as Freehold Title, Usufructuary, and Right of Use Certificates.
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“Don’t let the holder’s name on those land certificates be different and be unable to prove that the seller is the true owner. If there is any difference, we must be cautious,” says the lecturer pursuing her doctoral degree.
Lastly, prospective buyers should check the land status with the Land Titles Registrar. If the land is safe from a dispute, then the land office administration will provide legalized free-of-dispute stamps. Then, it can be ensured that the ground is safe to trade.
“If all documents have been checked and ensured complete, then land transaction can be done between two parties. Each can submit subject certainty documents as dealt with at the beginning. Therefore, the safety of purchased property can be ensured,” Isdian ends. (imh/lib/wil)
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