Foto: Unsplash
Bila masih bingung lebih baik investasi rumah atau apartemen, mari kita simak ulasan dan perbandingan selengkapnya tentang kedua jenis properti ini.
Pada dasarnya investasi rumah ataupun apartemen sama-sama mempunyai kelebihan dan kekurangan masing-masing. Namun setiap investor pasti mencari yang paling pas dan untung.
Karena itu, Panduan Rumah123 akan mengulas lebih baik investasi rumah atau apartemen, terutama untuk Anda yang ingin melakukan investasi properti.
Investasi Rumah
Foto: Pexels
Kelebihan
Menawarkan Gain Besar
Rumah sangat cocok dijadikan aset investasi properti jangka panjang, karena menawarkan gain besar. Setiap tahun harga landed house, terutama di kota-kota besar, terus meningkat.
Jadi nilainya akan bertambah saat dijual kembali. Biasanya, makin sempit lahan di suatu wilayah, makin tinggi pula harga jual rumahnya.
Namun bukan hanya faktor wilayah saja, hunian dengan konsep unik, unggul dan terintegrasi dengan fasilitas publik juga potensial menawarkan cuan fantastis.
Aset investasi rumah demikian bisa Anda temukan di sejumlah proyek dari Sinar Mas Land. Cek di bawah untuk melihat rekomendasi aset investasi rumah potensial.
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Memberikan Ruang Personal
Foto: planetofhotels.com
Ketika kita membeli rumah, maka sepenuhnya rumah tersebut akan menjadi tanggung jawab pembelinya. Ini memberikan ruang personal kepada pemilik rumah untuk berkreasi.
Namun, memang ada rumah yang tidak bisa diotak-atik tampilannya, seperti rumah dalam perumahan cluster. Biasanya, hal yang diperbolehkan hanya mengganti cat interior.
Mudah Dijadikan Agunan
Kelebihan lain investasi rumah adalah sertifikat kepemilikannya bisa dijaminkan untuk pengajuan kredit. Misalnya kredit multiguna atau Kredit Pemilikan Rumah (KPR) kedua.
Dana pinjaman dari kredit tersebut bisa kita gunakan untuk berbagai keperluan. Mulai dari renovasi rumah, modal usaha, dana pendidikan anak-anak dan banyak lagi.
Kekurangan
Nilai Bangunan Cepat Menurun
Harga tanah memang selalu naik dari tahun ke tahun. Namun, nilai bangunan akan mengalami penyusutan seiring dengan berjalannya waktu.
Pemilik rumah harus melakukan perawatan secara rutin untuk menghindari penyusutan nilai bangunan. Bila tidak demikian, bukan tidak mungkin harga rumah akan turun.
Dengan kualitas bangunan yang terjaga dengan baik, Anda pun bisa mematok harga tinggi bila suatu hari akan memasarkan rumah tersebut.
Trik lain menghindari kerugian akibat penyusutan nilai bangunan, yaitu membeli rumah berkualitas tinggi. Contohnya seperti Enchante BSD City yang menggunakan material premium.
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Harus Siap Sedia Dana Renovasi
Merawat rumah sangat berbeda dengan merawat apartemen. Bedanya, kita harus menyiapkan dana pribadi untuk perawatan.
Selain menyiapkan dan perawatan, pemilik rumah juga bertanggung jawab secara penuh apabila terjadi kerusakan pada bangunan.
Sementara itu, perawatan apartemen menjadi tanggung jawab pemilik dan pengelola gedung. Jika terjadi kerusakan, maka pengelola gedung pun harus siap membantu memperbaikinya.
Harga Sewa Lebih Kecil
Jika dibandingkan dengan harga sewa apartemen, harga sewa rumah biasanya dibanderol lebih terjangkau. Ada berbagai aspek yang bisa kita gunakan untuk mematok biaya sewa, yaitu:
- luas bangunan;
- luas tanah;
- jumlah lantai;
- jumlah kamar tidur;
- jumlah kamar mandi;
- dan masih banyak lagi.
Namun, biasanya rumah disewakan dalam jangka waktu panjang, mulai dari satu hingga dua tahun. Sedangkan jangka waktu sewa apartemen lebih pendek.
Investasi Apartemen
Foto: Unsplash
Kelebihan
Pengembang Menyediakan Fasilitas Lengkap
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Bukan apartemen namanya apabila pengembang tidak melengkapinya dengan fasilitas internal.
Contohnya apartemen The Elements, Southgate, dan Klaska Residence yang dipersembahkan oleh Sinarmas Land.
Kedua apartemen tersebut dilengkapi oleh fasilitas premium super lengkap yang bisa memanjakan penghuninya.
Kehadiran fasilitas internal lengkap dalam apartemen tentu bakal menambah nilai apartemen.
Biasanya Hadir di Lokasi Strategis
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Apartemen merupakan properti residensial yang dikembangkan di wilayah dengan lahan terbatas, biasanya di kawasan perkotaan.
Karena itu, lokasi pembangunan apartemen biasanya sangat strategis dekat pusat bisnis, pusat perbelanjaan dan lain sebagainya.
Biasanya apartemen dekat fasilitas publik di perkotaan yang berkondisi prima. Ya karena target pasar apartemen memang masyarakat urban.
Selain memudahkan aktivitas sehari-hari, kelebihan yang satu ini juga membuat harga jual apartemen cepat meningkat.
Harga Sewa dan Jual Tinggi
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Banyak penyewa properti melirik apartemen dibanding landed house, karena apartemen dianggap lebih privat serta berlokasi di tengah keramaian.
Sehingga, tidak butuh waktu lama untuk memasarkan bisnis sewa apartemen Anda.
Selain itu, harga sewa dan jual apartemen juga lebih tinggi daripada rumah, apalagi jika disewakan kepada warga asing.
Apartemen juga bisa menjadi sumber passive income yang menjanjikan, karena bisa disewakan dengan sistem yang lebih fleksibel.
Kekurangan
Kurang Leluasa
Jika membeli rumah, maka seluruh tanah, bangunan dan isinya menjadi tanggung jawab Anda.
Sehingga, pembeli pun menjadi lebih leluasa untuk mengkreasikan rumah seperti yang diinginkan
Dalam poin ini, apartemen berbeda dengan rumah, karena ada pengelola gedung yang ikut bertanggung jawab pada unit hunian Anda.
Selain itu, fasilitas apartemen yang disediakan adalah untuk digunakan bersama, jadi Anda tidak mempunyai hak penuh.
Perlu Mengeluarkan Biaya Tinggal di Apartemen
Ya betul, apabila terjadi kerusakan fitur dalam unit atau di lingkungan apartemen, memang bukan hanya Anda yang bertanggung jawab.
Di sini pihak pengelola gedung pun harus mengatasi kerusakan tersebut, dan menyediakan tukang untuk memperbaikinya.
Namun ini tidak gratis, sebab Anda harus membayar biaya tinggal di apartemen yang meliputi sinking fund, iuran apartemen dan lain-lain.
Karena itu, Anda harus menyediakan dana untuk membayar biaya-biaya tersebut dan biasanya ditarik setiap bulan.
Tidak Bisa Menambah Luas Bangunan
Jika membeli landed house, maka Anda bisa mengembangkannya menjadi rumah tumbuh vertikal atau horizontal.
Selama ada biaya, maka tidak masalah untuk memperbesar hunian sebagaimana yang Anda inginkan.
Namun berbeda dengan apartemen, unit yang dimiliki luasnya tidak akan bertambah meskipun Anda punya bujet untuk membuatnya lebih besar.
Sehingga, mau tidak mau harus betah tinggal dalam unit yang luasnya sama.
Itulah kelebihan dan kekurangan investasi rumah dan apartemen yang perlu diketahui.
Berdasarkan penjabaran di atas, jadi bagaimana kesimpulannya? Lebih baik investasi rumah atau apartemen?
Nah, bagi yang ingin berinvestasi jangka panjang dan memperoleh gain besar, maka investasi rumah tentu lebih baik.
Sedangkan jika Anda punya bujet terbatas, tetapi ingin mulai investasi properti, maka cobalah investasi apartemen.
Pasalnya, dewasa ini harga apartemen tipe studio cukup terjangkau dan cocok untuk investor pemula dengan dana terbatas.
Investasi apartemen cocok untuk Anda yang ingin memiliki penghasilan pasif dari bisnis sewa-menyewa apartemen.
Seperti diketahui sewa-menyewa apartemen bisa dilakukan dengan sistem lebih fleksibel mulai dari tahunan, bulanan, mingguan bahkan harian.
Namun, Anda harus siap karena jumlah aset bakal tetap. Pasalnya, apartemen tidak bisa berkembang seperti halnya rumah tumbuh.
Baca juga:
Tips Sukses Memulai Bisnis Properti untuk Pemula ?
Jawab Pertanyaan Ini Sebelum Pilih Investasi Rumah atau Apartemen
Foto: Pexels
Sebelum memutuskan untuk investasi rumah atau apartemen, sebaiknya Anda menjawab beberapa pertanyaan di bawah ini.
Jawaban Anda tentu saja akan membantu dalam membuat keputusan yang tepat.
Sehingga, Anda tidak perlu risau lagi dalam menimbang dan memikirkan lebih baik investasi rumah atau apartemen.
- Apakah Anda ingin investasi jangka panjang atau jangka pendek?;
- Apakah Anda siap bertanggung jawab penuh atas perawatan properti atau ingin ada pihak lain yang terlibat?;
- Apakah Anda suka mendekorasi ulang layout, membuat kebun, atau membiarkan ruang sebagaimana adanya?
Jika jawaban-jawaban Anda lebih condong pada opsi pertama yang disebutkan dalam pertanyaan, maka investasi rumah lebih baik.
Sedangkan apabila lebih condong pada opsi kedua, Anda disarankan investasi apartemen saja.
Siap berinvestasi? Yuk segera cari propertinya di halaman proyek baru Rumah123.
Temukan properti rumah dan apartemen dengan penawaran harga terbaik di situs kami.
Selamat berburu aset investasi!
Masih ada pertanyaan tentang investasi rumah atau apartemen? Tanyakan di Teras123, ruang ngobrolin properti dari Rumah123.
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