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strata title

Also called: sertifikat apartemen, SHMSRS

Proof of ownership of an apartment unit along with rights to the shared parts of the building.

What it means

Strata title is a form of ownership of a property unit in a multi-storey building, such as an apartment, along with rights to the shared parts. In Indonesia, the proof of ownership is known as SHMSRS. Unit owners remain bound by the rules for managing the shared parts.

Why it matters for families

Families need to understand that buying an apartment is not just owning a unit, but also being bound by shared fees and house rules. If the ownership documents are unclear, the risk of disputes and difficulty selling can arise. This status also affects access to credit and resale value.

Example

A family buys an apartment unit and receives the ownership document for the strata unit. They check that the floor area, unit number, and fee obligations match before paying in full. This check matters so there are no administrative surprises.

Common misunderstanding

Many assume an apartment certificate is exactly the same as a certificate for a landed house. The correction: ownership of a multi-storey unit has a different concept of shared parts.

Next step

This term makes more sense once you see the numbers for yourself.

Mortgage simulation →

Related terms

  • service charge feeA monthly fee for cleaning, security, and shared facilities in a housing complex or apartment.
  • rentPaying to use someone else's house for a certain period.
  • collateralAn asset pledged to the bank, in a mortgage usually the house itself.
  • AJBOfficial deed of sale and purchase of land and houses made by PPAT as proof of transfer of rights.

Definitions in this glossary are educational. For documents that are legally or financially binding, confirm with the party that issued them.

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The calculators and guides here are educational and are not personal financial or legal advice.