You have a house, a plot of land or a shophouse (ruko) to sell, but no time to run ads, answer every enquiry and sort serious offers from idle ones. Titip jual, handing the property to an agent to sell on your behalf, is the middle path. The property stays yours while the agent handles the marketing and sees the sale through to signing.
Many owners hesitate because they don’t know what happens after the first message. What will be asked of them, when they have to pay, and which decisions stay with them.
This guide follows Vorneo’s titip jual process step by step. It applies to owners of houses, land and shophouses anywhere in Kalimantan.
What to prepare at the start
To start marketing, you only need to send four things:
- Photos, as many as you have. A short video helps too.
- The address or a map pin, so buyers can judge the access and the neighbourhood.
- The size, meaning the land area and, if there is a building, its floor area.
- The price you are hoping for.
The certificate and other official documents aren’t needed until the transaction approaches.
Still, check three things for yourself early on. Is the certificate in your hands, or still held by a bank? Is the name on it yours? Is the Pajak Bumi dan Bangunan (PBB, the annual land and building tax) paid up? A problem found now is far easier to fix than one that surfaces when a buyer is ready to pay.
Bright, tidy photos get a listing noticed. There are tips in our guide to photographing a property for buyers, and the physical preparation is covered in getting your house ready to sell.
Land that still sits on a segel or girik (older land letters, not a certificate) can be marketed too. To be frank, it draws fewer buyers and sells for less than certified land.
How the asking price is set
Once your details are in, Vorneo recommends a price based on recent transactions near the property. It is input, not a decision.
The price that goes live is the one you approve. Vorneo won’t sell below it without your permission.
Before you approve a figure, work out what actually reaches you. The seller pays a final income tax (PPh final) of 2.5 percent of the gross sale value, under Government Regulation (PP) No. 34 of 2016. The agent’s commission is also calculated on the sale price.
Worked example (illustrative numbers only): the house sells for Rp 500 million. The 2.5 percent PPh comes to Rp 12.5 million. With an agreed commission of 3 percent, the commission is Rp 15 million. You are left with about Rp 472.5 million, before other costs such as paying off any remaining loan.
Also decide the lowest price you would accept, so you can answer quickly when an offer comes in below the asking price. Reading the market is covered in how to set a fair asking price.
Marketing and the survey queue
Once the price is agreed, the listing can go live on vorneo.id straight away using your photos and video, and it is shared on Vorneo’s social media. You don’t have to wait for a survey before marketing starts.
The site survey follows when your turn comes. Vorneo visits, takes its own photos and video, and markets the property again with the new material.
On the commission package, the survey, photos, video and promotion are on Vorneo. You pay nothing upfront.
The survey queue can be long. If you want your property seen sooner, there is a paid priority service. What you pay for is a place in the survey queue, not advertising, because promotion runs on every package. The fee depends on how far away the property is and how much work it involves, and you are told the amount before any work starts.
Buyers, viewings and negotiation
On the commission package, enquiries and offers from buyers go to Vorneo and are screened there. The aim is that only serious buyers reach you, not people curious about the price.
Serious buyers can usually answer a few basic questions:
- How they will pay, in cash or with a Kredit Pemilikan Rumah (KPR, a bank mortgage). With a KPR the bank values the property first, so the process takes longer.
- Timing, meaning when they are ready to transact.
- Purpose, for example to live in, to rent out or to run a business from.
For viewings, agree early on who holds the keys, when the property can be seen and who shows buyers around. Have honest answers ready about flooding, leaks and any bills still running.
Never hand the original certificate to a prospective buyer. A photocopy is enough once a buyer is serious, and the original only goes to the Pejabat Pembuat Akta Tanah (PPAT, the official who draws up land deeds) at the transaction.
When offers arrive, Vorneo guides the negotiation. An offer below the asking price is still brought to you, and accepting or refusing it is your call.
Once the price is agreed, put the deal in writing: the price, what is sold with the property (a water pump or built-in wardrobes, say), the payment schedule and any booking deposit, with a receipt.
From the document check to the sale deed
Official documents are collected once the deal is close. A seller is usually asked for:
- The original certificate, such as a Sertifikat Hak Milik (SHM, the strongest freehold title) or a Hak Guna Bangunan (HGB, a time-limited right to build).
- ID card and family card, plus your marriage book if you are married.
- PBB records, meaning the tax bills and payment receipts for recent years.
- The Persetujuan Bangunan Gedung (PBG, the building approval) or the old IMB building permit, if there is one.
A house or land acquired during a marriage is joint marital property (harta bersama), whoever’s name is on the certificate. Selling it needs the consent of both spouses, under Law No. 1 of 1974 on Marriage, Articles 35 and 36.
If the certificate is still pledged as security for a KPR, the loan has to be sorted out with the bank before the deed is made.
The PPAT checks the certificate at the Kantor Pertanahan (the local land office) before the deed is signed. Taxes are settled first too. The seller pays the 2.5 percent PPh, and the buyer pays the Bea Perolehan Hak atas Tanah dan Bangunan (BPHTB, the acquisition duty) of at most 5 percent of the transaction value after a tax-free allowance set by local regulation.
The Akta Jual Beli (AJB, the deed of sale) is then signed before the PPAT. Under PP No. 24 of 1997, a transfer by sale can only be registered at the land office on the basis of a PPAT deed. After that, the certificate is put in the buyer’s name.
Commission, exclusivity and how long it takes
Vorneo’s commission is 2 to 5 percent of the sale price, and the figure can be discussed before marketing starts. It is paid once, after the property sells and the sale money reaches you.
If the property doesn’t sell, you pay nothing on the commission package. The photo and promotion costs already spent are Vorneo’s risk, and you can take the property off the market at any time.
Titip jual with Vorneo is not exclusive. You can still sell the property yourself or through other agents. If the buyer comes from you, Vorneo charges no commission.
Open and exclusive listings in general are explained in our guide to property agent commissions. Either way, get the commission rate and payment timing in writing before marketing begins.
How long until it sells? Price matters most, then location. A property priced in line with the market usually attracts serious buyers sooner, while one priced above it can sit for a long time.
Next steps
- Gather photos, a map pin, the land and building sizes, and your target price.
- Make sure the certificate exists and is in your name, or note where it is right now.
- Find your latest PBB receipt.
- Send the details on WhatsApp or through the listing form.
The packages and the form are on Vorneo’s titip jual page.
