Ringkasan Artikel:
- Investasi rumah adalah bentuk investasi jangka panjang dengan cara membeli rumah untuk disewakan atau dijual kembali.
- Keuntungan investasi rumah meliputi penghasilan pasif dari sewa, kenaikan harga properti setiap tahun, serta sifatnya yang multiguna.
- Rumah termasuk aset stabil yang nilainya cenderung meningkat, bahkan bisa mencapai 10%–15% per tahun tergantung lokasi.
- Properti rumah bisa dimanfaatkan untuk berbagai kebutuhan seperti hunian, usaha, hingga kantor.
- Tips investasi rumah meliputi memilih lokasi strategis, developer tepercaya, menyesuaikan bujet, dan memilih kawasan sunrise property.
- Investasi rumah cocok untuk membangun aset jangka panjang dengan potensi capital gain dan passive income.
Investasi rumah adalah salah satu bentuk investasi menguntungkan dalam jangka panjang.
Rumah mempunyai nilai stabil kalau dibandingkan dengan instrumen investasi lain.
Bagi investor, investasi rumah bisa jadi pilihan karena memiliki potensi kenaikan harga (capital gain) konsisten, menghasilkan pendapatan pasif dari sewa, serta tergolong aset yang risikonya relatif lebih rendah.
Selain itu, kebutuhan akan tempat tinggal yang terus meningkat membuat permintaan rumah tetap tinggi dari waktu ke waktu.
Investasi Rumah Itu Apa?
Investasi rumah adalah proses menabung dalam bentuk rumah selama jangka waktu tertentu.
Rumah yang dibeli biasanya tidak dihuni, tetapi disewakan atau dijual kembali di masa depan.
Tujuan disewakan untuk mendapatkan penghasilan pasif per bulan atau per tahunnya.
Apabila dibeli untuk dijual kembali biasanya untuk mendapatkan imbal hasil jangka panjang.
Apabila ingin mendapatkan untung besar, sebaiknya investasikan uangmu untuk membeli rumah di kawasan yang sudah mapan.
Apa Keuntungan Investasi Rumah?
1. Bisa Jadi Pendapatan Pasif
Keuntungan investasi properti rumah adalah bisa mendapatkan penghasilan pasif.
Investor bisa menyewakannya sebagai rumah kontrakan atau kos-kosan mahasiswa.
Selain itu, properti tersebut bisa menjadi tempat untuk bisnis rumahan.
Jadi, target pasarnya luas meliputi keluarga, pelajar, sampai pelaku Usaha Mikro Kecil dan Menengah (UMKM).
Bagi yang investasi rumah dengan skema bayar Kredit Pemilikan Rumah (KPR), passive income yang didapatkan bisa untuk membayar angsuran kredit per bulannya.
Investasi rumah KPR tidak perlu takut merugi.
Alasannya di samping angsuran bisa ditutup oleh penghasilan pasif, investor juga bakal mendapatkan return of investment jangka panjang.
2. Harga Rumah Terus Naik Setiap Tahun
Rumah adalah aset investasi yang relatif stabil dan jarang mengalami penurunan nilai dalam jangka panjang.
Bahkan, nilainya cenderung terus meningkat dari tahun ke tahun, dengan kisaran sekitar 10% hingga 15%.
Hal ini juga sejalan dengan data dari Bank Indonesia yang menunjukkan tren kenaikan harga properti residensial melalui Indeks Harga Properti Residensial (IHPR).
Kenaikan tersebut dipengaruhi oleh berbagai faktor seperti inflasi, peningkatan biaya konstruksi, serta keterbatasan lahan, sehingga membuat harga rumah terus bergerak naik seiring waktu.
Itulah sejumlah mengapa value rumah tapak tinggi.
3. Properti Bersifat Multiguna
Keuntungan investasi properti rumah selanjutnya adalah bersifat multiguna.
Apalagi kalau berada di lokasi strategis, rumah pun bisa menjadi coffee shop atau restoran.
Beberapa perusahaan start-up pun kerap menyewa rumah tapak untuk dijadikan kantor.
Ada sejumlah alasan yang membuat properti ini diminati oleh pengusaha.
Mereka menilai sewa rumah untuk kantor lebih fleksibel.
Penggunaannya bisa disesuaikan dengan kebutuhan tanpa batasan yang ketat seperti gedung perkantoran.
Suasana kantor rumahan juga lebih homey dan anti kaku.
Hal ini membuat suasana kerja lebih santai dan bersahabat, jadi banyak orang menyukainya.
4. Rumah Adalah Investasi Jangka Panjang
Kelebihan investasi properti rumah berikutnya adalah potensi keuntungan dalam jangka panjang.
Anda bisa mendapatkan capital gain, yaitu selisih antara harga beli dan harga jual yang meningkat seiring waktu.
Misalnya, rumah yang saat ini dibeli di kisaran harga Rp800 jutaan hingga Rp1 miliaran dapat mengalami kenaikan nilai dalam beberapa tahun ke depan, terutama jika berada di kawasan yang terus berkembang.
Contohnya seperti hunian di Terravia yang berlokasi di BSD City.
Kawasan ini dikenal sebagai township modern dengan akses mudah ke fasilitas pendidikan, pusat bisnis, hingga transportasi, sehingga memiliki potensi kenaikan nilai properti yang menarik.
Dengan perkembangan kawasan yang konsisten, properti seperti ini tidak hanya nyaman untuk ditinggali, tetapi juga menjanjikan sebagai investasi jangka panjang.
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5. Permintaan Hunian Selalu Tinggi
Kebutuhan akan tempat tinggal merupakan kebutuhan dasar sehingga permintaan rumah cenderung stabil bahkan terus meningkat dari waktu ke waktu.
Hal ini membuat investasi rumah memiliki pasar yang jelas, baik untuk dijual kembali maupun disewakan.
Dengan permintaan yang tinggi, peluang mendapatkan keuntungan juga semakin besar.
Cara Memilih Rumah Untuk Investasi
1. Pilih Rumah dengan Lokasi Strategis
Jika Anda ingin memulai investasi rumah, pilihlah properti di lokasi strategis.
Faktor ini akan memberikan manfaat investasi properti besar terutama dari segi finansial.
Sebaiknya pilih rumah dekat tempat kerja, sekolah, bandara, jalan raya atau stasiun.
Makin dekat sarana dan prasarana publik, makin cerah pula prospeknya.
Contohnya The Blizfield at BSD City, berada dalam kawasan kota mandiri membuat The Blizfield at BSD City potensial.
Apalagi perumahan ini memiliki akses mudah ke tol, transportasi publik, dan fasilitas umum.
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2. Beli Rumah dari Pengembang Tepercaya
Apakah investasi rumah menguntungkan atau tidak juga tergantung developernya.
Nah agar aman, sebaiknya pilih rumah dari developer tepercaya.
Cara mengetahuinya, yaitu dengan menelusuri rekam jejak pengembang.
Mencari tahu bagaimana perkembangan proyek sebelumnya apakah bermasalah atau tidak.
Banyak pengembang terpercaya di Indonesia yang menyuguhkan proyek perumahan berkualitas.
Contohnya Sinar Mas Land yang mengembangkan sederet perumahan terbaik di Indonesia.
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3. Sesuaikan dengan Bujet
Perencanaan anggaran tetap menjadi hal penting sebelum membeli rumah sebagai aset investasi.
Meski memiliki modal yang lebih kuat, tujuan utama investasi tetap untuk mengoptimalkan pertumbuhan aset dan arus kas.
Karena itu, pastikan alokasi dana, potensi imbal hasil, serta risiko sudah diperhitungkan dengan matang agar investasi tidak mengganggu stabilitas keuangan secara keseluruhan.
4. Beli di Kawasan Sunrise Property
Salah satu properti ideal untuk dijadikan aset investasi adalah yang berada di kawasan sunrise property.
Area seperti ini memiliki potensi pertumbuhan yang pesat karena sedang dalam tahap pengembangan.
Biasanya, jumlah hunian di kawasan sunrise property masih terbatas sehingga harga masih relatif kompetitif.
Namun, seiring berkembangnya infrastruktur dan meningkatnya minat pasar, kawasan tersebut berpotensi menjadi ramai dan mengalami kenaikan nilai yang signifikan dalam beberapa tahun ke depan.
Contoh yang relevan adalah IZZI BSD City, yang berada di kawasan BSD yang terus berkembang.
Dengan dukungan fasilitas modern dan akses yang semakin lengkap, properti seperti ini memiliki prospek menarik sebagai investasi jangka panjang.
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5. Pilih Rumah dengan Fasilitas Umum Lengkap
Rumah dengan fasilitas lengkap juga bisa menjadi pilihan untuk investasi.
Jika membeli untuk disewakan kembali, fasilitas internal ini akan menjadi daya tarik tersendiri.
Contohnya, Anda bisa membeli rumah dalam townhouse yang dicari oleh para ekspatriat.
Tentunya mereka mempunyai daya sewa untuk menyewa properti Anda.
FAQ Investasi Rumah
Apa itu investasi rumah?
Investasi rumah adalah kegiatan membeli rumah sebagai aset untuk disewakan atau dijual kembali guna mendapatkan keuntungan di masa depan.
Apakah investasi rumah menguntungkan?
Ya, investasi rumah menguntungkan karena nilainya cenderung naik setiap tahun dan bisa memberikan penghasilan pasif dari sewa.
Dari mana keuntungan investasi rumah didapat?
Keuntungan berasal dari kenaikan harga properti (capital gain) dan pendapatan sewa secara rutin.
Apa saja risiko investasi rumah?
Risiko meliputi lokasi kurang strategis, biaya perawatan, kesulitan mendapatkan penyewa, serta masalah legalitas jika tidak dicek dengan baik.
Bagaimana cara memilih rumah untuk investasi?
Pilih lokasi strategis, pastikan developer tepercaya, sesuaikan dengan bujet, dan pilih kawasan yang berpotensi berkembang (sunrise property).
***
Itulah beberapa keuntungan investasi rumah beserta cara untuk memilih propertinya.
Jika sedang mencari rumah untuk keluarga, kunjungi Rumah123 sekarang.
Tersedia banyak pilihan rumah dengan lokasi dan harga bervariasi, karena #RumahUntukSemua.
Ada pertanyaan terkait investasi rumah? Temukan jawabannya di Teras123, ruang buat ngobrolin properti.
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