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Beli Rumah atau Bangun Rumah, Lebih Untung Mana?

Terakhir diperbarui 06 Mei 2024 · 5 min read · by Septian Nugraha

Beli Rumah atau Bangun Rumah (Cover)

Beli rumah atau bangun rumah? Ini menjadi pertanyaan yang umum diajukan banyak orang ketika hendak memenuhi kebutuhannya akan hunian.

Hunian adalah kebutuhan dasar manusia, sehingga memilikinya merupakan sebuah keharusan.

Namun, dalam upaya memenuhi kebutuhan itu, kamu akan dihadapkan dengan berbagai pilihan.

Termasuk soal lebih baik mana antara beli rumah atau bangun rumah?  

Bagi kamu yang sedang menimbang rencana tersebut, berikut kami hadirkan kelebihan dan kekurangan beli rumah atau bangun rumah. 

Kelebihan dan Kekurangan Beli Rumah

Kelebihan Beli RumahBaik beli atau bangun rumah, tentu memiliki kelebihan dan kekurangan tersendiri. 

Begitu pula dengan risiko yang harus dihadapi, maka harus diperhitungkan secara matang.

Sebagai pertimbang, berikut kelebihan dan kekurangan membeli rumah. 

Kelebihan Beli Rumah

1. Menekan Beban Biaya 

Keputusan membeli rumah berpotensi bisa menekan pengeluaranmu.

Pasalnya, bujet yang harus dikeluarkan cenderung dapat diperhitungkan. 

Kamu tinggal menyiapkan dana yang sesuai dengan harga pokok hunian, bila membelinya secara tunai.

Begitu pula dengan uang muka, bila membelinya secara kredit. 

Meski nantinya akan ada sejumlah biaya lain seperti bea pajak, notaris dan pengurusan KPR, tetapi itu merupakan risiko bagi pemilik hunian. 

2. Memiliki Peluang untuk Menabung 

Membeli rumah secara cash atau kredit memang membutuhkan dana dalam jumlah besar. 

Namun, tetap ada kemungkinan bagi kamu untuk menabung dengan sisa bujet pembelian tersebut.

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Pasalnya, sering kali pengembang memberikan promo berupa diskon, cash back, dan sebagainya.

Hal ini berlaku untuk pembelian rumah secara tunai atau kredit. 

Sedikit banyaknya promo yang diberikan akan berpengaruh pada alokasi bujet pembelian hunian. 

Jadi, jika ada dana tersisa karena promo pembelian rumah, kamu memiliki peluang untuk menabung guna keperluan lainnya.

3. Praktis

Membeli rumah dianggap sebagai langkah praktis, terlebih bila membeli rumah baru siap huni. 

Pasalnya, kamu bisa langsung menempati rumah tersebut setelah menyelesaikan proses pembayaran. 

Baca juga:

8 Cara Jual Beli Rumah Online secara Mudah, Cepat dan Aman

Kekurangan Beli Rumah

1. Potensi Mendapatkan Rumah yang Tidak sesuai Selera

Risiko membeli rumah adalah tidak bisa menentukan desain bangunan yang sesuai keinginan. 

Apalagi, jika kamu membeli hunian di residensial bertipe cluster, sebab rumah tersebut dibangun dengan desain yang seragam. 

Memang benar kamu bisa mengajukan permintaan untuk mengubah beberapa bagian rumah kepada pengembang. 

Namun, permintaan tersebut biasanya dibatasi.

Adapun perubahan yang dilakukan hanya meliputi tata letak ruangan, bukan struktur bangunan secara keseluruhan. 

2. Pemanfaatan Lahan yang Kurang Maksimal

Rumah baru biasanya memiliki luas bangunan yang lebih kecil dari luas tanah.

Pemanfaatan luas bangunan rata-rata hanya 60-70% dari luas tanah. 

Dengan kata lain, kebanyakan rumah baru yang dibangun oleh pengembang biasanya memiliki bangunan yang tidak begitu luas. 

Bangunan dengan luas terbatas bisa menjadi masalah ketika hendak mengembangkan rumah di kemudian hari.

Kekurangan lainnya adalah potensi mendapatkan rumah dengan kualitas bangunan yang tidak sesuai harapan.

3. Tidak Bisa Mengubah Struktur Bangunan Saat Renovasi

Membeli rumah baru siap huni juga bisa membuat kamu tidak dapat mengubah struktur bangunan ketika ingin melakukan renovasi. 

Dengan kata lain, renovasi hanya bisa dilakukan dengan tujuan mempercantik tampilan saja. 

Pasalnya, kebanyakan rumah baru yang dibangun developer memiliki struktur bangunan sesuai dengan tipe dan desainnya. 

Misalnya kamu membeli rumah dua lantai, maka struktur bangunannya pun dibuat untuk kebutuhan hunian  dua lantai.

Jadi, saat kamu ingin merenovasinya menjadi tiga lantai, hal itu sangat beresiko. 

Solusinya kamu bisa membeli rumah tumbuh, sebab strukturnya bisa dikembangkan secara bertahap. 

Kelebihan dan Kekurangan Bangun Rumah

Kelebihan Bangun Rumah

Sama halnya dengan membeli, membangun rumah pun ada kelebihan dan kekurangannya.

Hal ini juga patut diperhatikan agar kamu tidak merasa rugi di kemudian hari.

Berikut kelebihan dan kekurangan membangun rumah yang penting diketahui.

Kelebihan Bangun Rumah

1. Bebas Menentukan Desain Bangunan

Membangun rumah membuat kamu memiliki kebebasan menentukan desain bangunan yang sesuai keinginan. 

Nah, demi mendapatkan hasil terbaik, tidak ada salahnya menggunakan jasa arsitek hingga desainer interior untuk mendesain rumah tersebut.

2. Pemanfaatan Lahan secara Maksimal 

Selain desain, kamu juga dapat memanfaatkan lahan yang tersedia secara maksimal.

Kamu dapat mengatur persentase luas bangunan sesuai dengan luas tanah.

Dengan begitu, kamu bisa memiliki rumah dengan bangunan yang lebih luas.

3. Struktur Bangunan yang Sesuai Kebutuhan

Kamu juga bisa membuat rumah dengan struktur bangunan yang sesuai kebutuhan.

Misalnya kamu bermimpi memiliki rumah dua lantai dengan bujet terbatas, maka solusinya kamu bisa membangun rumah dengan struktur yang mumpuni untuk hunian dua lantai

Kedepannya, bila ada rezeki lebih, kamu bisa merenovasi rumah menjadi dua lantai tanpa harus mengubah struktur bangunan secara keseluruhan. 

Kekurangan Bangun Rumah

1. Biaya yang Lebih Mahal

Salah satu kekurangan dari membangun rumah adalahkemungkinan biaya yang lebih mahal dari beli rumah. 

Bila ingin membangunan rumah dari nol, kamu harus terlebih dahulu membeli tanah.

Selanjutnya, siapkan dana untuk keperluan pembangunan seperti jasa tukang hingga material bangunan. 

Ada pula beberapa biaya tambahan untuk membuat desain rumah, seperti jasa arsitek atau desainer interior. 

Kemudian, menyiapkan sejumlah biaya tambahan untuk mengurus persyaratan administrasi rumah. 

2. Kurang Praktis

Membangun rumah juga dianggap kurang praktis, sebab kamu harus menunggu rampungnya proses pembangunan untuk bisa menempati rumah tersebut.

Selain itu, kamu juga harus mengurus surat dan dokumen kepemilikan rumah secara mandiri.

Hal ini tentu akan menguras waktu, tenaga dan biaya. 

Baca juga:

Begini Cara Menghitung Biaya Renovasi Rumah 2 Lantai, Sudah Tahu?

Kesimpulannya, mau beli atau bangun rumah, semua harus sesuai dengan kebutuhan.

Maka itu, pertimbangkan secara matang setiap langkah yang akan diambil sebelum melakukannya.

Punya pertanyaan seputar properti? Yuk, ngobrol bareng di Teras123!

Semoga ulasan di atas bermanfaat.

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Simulasi KPR

Hitung pembiayaan kredit rumah dengan bunga KPR terbaik di Rumah123

Rp
%
Rp
Angsuran/bulan mulai dari
Tahun ke-1
Bunga 4.56%
Rp. 1.526.143
Tahun ke-2 dan seterusnya
Estimasi Bunga 12%
Rp. 2.592.985

Simulasi KPR Syariah

Hitung pembiayaan KPR syariah dengan rekomendasi bank terbaik di Rumah123

Rp
%
Rp
Angsuran/bulan mulai dari
Tahun ke 1 dan seterusnya
Margin 9%
Rp. 2.434.240

Bunga KPR Terbaru

Beli properti impian dengan memilih produk KPR terbaik di Rumah123

Bank DKI
Bank DKI
Suku bunga mulai dari4.56%
Tenor Max.20 Tahun
Bank Mandiri
Bank Mandiri
Suku bunga mulai dari2.65%
Tenor Max.30 Tahun
Bank BRI
Bank BRI
Suku bunga mulai dari3.25%
Tenor Max.25 Tahun