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Itulah inti berinvestasi.
Meskipun berdiam diri, aset investasi akan terus memberikan nilai kekayaan. Tidak mengherankan Warren Buffett pernah bertengger di nomor satu sebagai manusia terkaya di muka Bumi ini.
Ia adalah seorang investor sejati.
Pertanyaan pentingnya... Bagaimana cara memulai investasi?
Mungkin Anda setuju, memulai investasi tidaklah mudah. Kebanyakan kita meyakini bahwa investasi memerlukan modal besar.
Terlebih jika berinvestasi di bidang properti.
Keyakinan tersebut tidak sepenuhnya salah. Tetapi tidak juga sepenuhnya benar.
Lalu bagaimana cara investasi properti yang terbaik, menguntungkan, dan kalau bisa tanpa modal?
Paparan berikut ini anggaplah sebagai peta perjalanan bagi Anda yang tulus berniat menjadi seorang investor sejati.
Dan pertama-tama kita akan melihat mengapa investasi properti merupakan pilihan utama orang-orang kaya dalam menginvestasikan uangnya.
investasi properti menguntungkan
Investasi Properti Adalah Investasi Aman
Tidak berlebihan jika dikatakan investasi properti merupakan jenis investasi yang paling aman.
Bila Anda browsing mengenai investasi di internet, kita banyak menemukan jenis investasi yang ditawarkan, misalnya...
..investasi emas, saham, reksadana, perkebunan, real estate, condotel, bahkan ada juga yang menawarkan forex dan sejenisnya.
Namun demikian,
... investasi aman masih dipegang oleh properti.
Menurut para pakar investasi, resiko pada investasi properti dikunci oleh aset yang kita miliki.
Hal ini disebabkan oleh kenaikan harga properti yang senantiasa naik dari waktu ke waktu.
Investasi Properti Selalu Menguntungkan
Dapat dikatakan bahwa investasi properti selalu menguntungkan.
Apalagi jika investasi tersebut untuk jangka panjang.
Anda pasti sependapat dengan saya, harga properti seperti tanah, rumah, ruko, dan lainnya tidak pernah mengalami penurunan.
Sebaliknya, harga properti mengalami kenaikan dari waktu ke waktu.
Jika Anda membeli rumah 5 tahun yang lalu, kemudiannya menjualnya sekarang, dapat dipastikan Anda sudah mendapatkan keuntungan.
Berbeda dengan investasi saham, yang kadang lebih fluktuatif.
Selain itu, investasi properti tidak memerlukan pengetahuan yang rumit.
Singkatnya, investasi properti merupakan investasi yang tidak kenal rugi.
Cara Investasi Bagi Pemula
Meskipun banyak orang yang paham bahwa investasi properti memberikan keuntungan besar, pada kenyataannya banyak yang berpikir "tidak mungkin."
Tidak mungkin karena....membeli sepetak lahan saja memerlukan uang yang tidak sedikit.
Apalagi membeli rumah, ruko, condotel, dan properti lainnya.
Akan tetapi saya ingin menyampaikan langkah-langkah memulai investasi properti berdasarkan pengalaman pribadi dan orang-orang yang berhasil berinvestasi di bidang ini.
Dan inilah langkah-langkah yang bisa Anda lakukan:
Langkah #1: Tanamkan Niat
Mau tidak mau, Anda harus memiliki niat tulus.
Menumbuhkan keinginan kuat agar bisa berinvestasi merupakan langkah awal yang amat penting.
Dengan adanya keinginan tersebut, maka kita akan memiliki energi yang lebih besar. Energi itu akan memompakan semangat hidup.
Saya berikan contoh nyata dari seorang kenalan saya.
Beliau memang ingin sekali memiliki investasi sedini mungkin. Seperti kebanyakan orang, ia tidak memiliki modal untuk membeli properti.
Jangankan untuk investasi, untuk kehidupan sehari-haripun sangat pas-pasan.
Namun demikian:
Api semangat di dalam hatinya tidak pernah padam.
Ia tidak berkecil hati. Kerja-kerja kecil dalam merakit kemakmuran dipertemukan dengan doa. Ia terus memupuk harapan dalam hatinya.
Kemudian ia melakukan langkah berikutnya.
Langkah #2: Miliki Mindset Investor
Ia memahami bahwa untuk sukses dalam suatu bidang, maka harus memiliki mindset yang tepat.
Seorang salesman akan sukses apabila ia bangga akan profesinya.
Demikian juga menjadi seorang guru. Akan sangat mudah mengajarkan sesuatu jika ia mengidentifikasikan dirinya sebagai seorang guru.
Maka demikian pula jika ingin memulai investasi properti.
Anda harus bermindset investor.
Teman saya tadi, melatih dirinya bermental investor. Mungkin bisa dikatakan berlebihan. Tetapi toh pada akhirnya keinginannya itu terlaksana.
Misalnya:
Ketika ada yang menawarkan sebidang tanah, ia langsung saja melihat tanah tersebut.
Bukan hanya itu, ia akan berdiri di atasnya seraya meyakinkan dirinya bahwa tanah tersebut akan menjadi miliknya.
Percaya atau tidak, ia benar-benar berhasil mendapatkan tanah tersebut. Memang tidak semua. Namun setidaknya ia telah berhasil dalam memulai bisnis investasi properti.
Langkah #3: Menabung, Mengumpulkan Modal
Jangan pernah meremehkan kekuatan menabung.
Saya banyak menemukan orang-orang yang berpikir negatif, "Nabung nyampe 50 tahun juga ga mungkin kebeli (rumah)."
Bukan pada besar kecilnya jumlah tabungan, tetapi usaha kita dalam mengumpulkan modal-lah yang sangat penting.
Saya sangat terkesan dengan apa yang disebut dengan keajaiban nasib.
Misalnya seorang pemulung yang ingin sekali berangkat menunaikan haji. Atau, seorang pedagang es yang ingin sekali mengkuliahkan anaknya....
Mereka benar-benar berhasil. Keinginannya tercapai. Padahal dilihat dari logika umum, tidak mungkin mereka mampu.
Itulah yang saya sebut dengan keajaiban nasib.
Kekuatan keinginan serta kerja yang dilakukan secara sungguh-sungguh mampu menaklukan ketidakmungkinan.Mereka mengubah nasib.
Dari kejadian-kejadian seperti contoh di atas, maka sekali lagi saya katakan jangan pernah meremehkan usaha dalam mengumpulkan modal.
Menabunglah dengan kedisiplinan.
Tuhan mengetahui keinginan tulus dalam hati kita. Ia juga melihat usaha sungguh-sungguh kita.
Maka dari itu,
Mungkin dengan kalkulasi manusia, dalam setahun - katakanlah - Anda bisa mengumpulkan uang sebesar 30 juta.
Tapi tanpa disangka, Anda bisa saja mendapatkan rezeki sebesar 300 juta. Tuhan bisa melimpahkan rezeki dari berbagai jalan.
Itu pula yang pernah saya alami.
Langkah #4: Menganalisa Suatu Wilayah
Perlu diketahui, beberapa wilayah memiliki potensi investasi lebih tinggi dari wilayah lainnya.
Beberapa kota di Indonesia sangat diminati oleh para investor properti. Misalnya kota Serpong (Tangerang), Surabaya, Semarang, Yogyakarta.
Termasuk kota Jakarta.
Bahkan menurut sebuah lembaga riset internasional, Jakarta akan tetap menjadi idola investasi properti Asia pasifik hingga 50 tahun ke depan.
Oleh karena itu, peluang dan prospek investasi sektor properti semakin besar dari tahun ke tahun.
Data dari google menyajikan bahwa masyarakat semakin meminati investasi sektor properti, dimulai dari tahun 2012, 2013, 2014, hingga 2015.
Dan trend ini akan terus berlanjut.
Maka dari itu, salah satu keahlian yang harus Anda kuasai adalah analisa suatu wilayah.
Investasi properti bukan sekedar mendapatkan properti di tempat yang strategis.
Yang lebih penting:
Anda harus dapat membaca perkembangan suatu wilayah.
Biasakan mengira-ngira (dengan data yang ada) bagaimana keadaan suatu wilayah dalam 5 atau 10 tahun ke depan.
Hal tersebut sangat penting.
Saya berikan contoh.
Salah seorang sahabat saya memutuskan membeli rumah.
Sebenarnya ia sedikit bingung. Apakah membeli rumah yang seharga 250 juta...
...atauhkah...
membeli ruko seharga 300 juta.
Memang perumahan yang ia minati membangun ruko di bagian depan.
Singkat cerita, ia memutuskan membeli rumah.
Sekarang mari kita lihat bagaimana perkembangan perumahan tersebut.
Dalam tiga tahun terjadi kenaikan harga, Baik untuk rumah maupun ruko. Rumah bertipe 60/120 yang dibeli sahabat saya tadi bisa dihargai 300 juta lebih.
Tetapi harga ruko lebih meroket...
...harganya 700 juta...
Kenapa?
Ternyata di depan perumahan tersebut dibangun pasar baru oleh pemerintah setempat. Itulah yang mengungkit harga ruko hingga berlipat-lipat.
Mengetahui keadaan tersebut, teman saya sedikit menyesal. Mengapa dulu tidak mengambil ruko saja?
Dari cerita di atas, kita memahami mengapa analisa suatu wilayah sangat penting dalam investasi properti.
Langkah #5: Action
Lakukan apa yang dilakukan orang-orang yang sudah berinvestasi properti.
Jikapun Anda belum memiliki kesempatan untuk membeli properti, lakukan langkah-langkah tersebut di atas.
Mulai dari niat, mindset, menabung modal, bahkan jika perlu mencari properti yang ingin Anda beli.
Anda bisa cari rumah yang dijual, lahan, real estate, atau perkebunan. Saat ini banyak sekali situs jual beli properti di internet.
Mungkin Anda bisa mengincar salah satu dari properti yang ditawarkan tersebut. Menyimpannya di dinding kamar Anda.... seperti yang pernah saya lakukan...
... dan ketika saya menulis artikel mengenai investasi properti ini, saya sedang duduk di salah ruangan rumah yang saya idam-idamkan tadi.
Anggaplah Anda sedang mencari properti terbaik. Jangan pernah berkecil hati.
Solusi Jika Modal Belum Memadai
Sebenarnya....
Ada banyak cara untuk mengatasi modal dalam dunia investasi, khususnya di sektor properti.
Apa saja yang dilakukan seorang investor pemula dalam mengatasi masalah modal?
Keep reading....
Solusi #1: Menabung
Seperti yang telah dijelaskan di atas, mau tidak mau Anda harus menyisihkan sebagian pendapatan untuk modal.
Sangat beruntung jika Anda bisa menyisihkan 1/3 dari pendapatan Anda.
Jika Anda belum terbiasa menabung, gunakan berbagai strategi agar berhasil dalam menabung.
Solusi #2: Menabung Tanah
Apa yang dimaksud menabung tanah?
Anda membeli tanah dengan cara kredit. Biasanya dalam bentuk tanah kavling.
Hingga saat ini masih banyak developer yang menawarkan tanah kavling. Terutama di daerah-daerah.
Mengangsur tanah kavling relatif lebih murah dibandingkan mengangsur untuk membeli rumah.
Perlu Anda ketahui:
Cicilan akan terasa lebih ringan seiring waktu.
Mengapa demikian?
Pertama karena kenaikan harga tanah.
Saya pernah mendengar salah seorang Ibu pegawai mengungkapkan penyesalannya, karena ia hanya mengambil satu tanah kavling saja.
Padahal sebenarnya ia mampu mengambil lebih dari itu.
Bagaimana ia tidak menyesal?
Saat mengungkapkan hal tersebut ia hanya mengangsur sebesar 60 ribu/bulan. Sedangkan jika membeli tanah tersebut saat ini, angsurannya bisa mencapai 600 atau 7000 ribu/bulan.
Dengan begitu:
Menabung tanah merupakan langkah awal dalam mengumpulkan modal investasi. Anda dapat menjual tanah tersebut lalu mengolah uangnya untuk modal investasi lainnya.
Selain itu, membeli tanah dengan cara kredit tersebut sudah merupakan bentuk investasi.
Solusi #3: Bersinergi
Pepatah lama mengatakan:
"Bersatu kita teguh, bercerai kita runtuh."
Bersinergi di sini artinya kita bekerja sama dengan orang lain agar bisa mendapatkan modal yang cukup.
Saya tidak menyarankan Anda berhutang, melainkan bekerja sama.
Misalnya:
Anda menemukan properti bagus di daerah potensial.
Anda memiliki uang, hanya saja belum mencukupi. Hal ini juga terjadi di awal ketika saya berinvestasi.
Cara untuk mengatasi masalah ini adalah:
...mencari orang lain yang sepaham untuk sama-sama membeli properti tersebut.
Waktu itu saya ingin sekali membeli sebidang tanah di dekat kawasan industri. Kenaikan harga tanah di wilayah tersebut sangat cepat.
Perkiraan saja: dalam 3 tahun harga bisa 2 hingga 3 kali lipat.
Karena saya tidak memiliki modal, maka saya mengajak saudara untuk sama-sama menanamkan modal untuk investasi.
Tentunya, ia harus mengerti dan memahami terlebih dahulu kelebihan dan kekurangan investasi properti. Dalam hal ini, apakah tanah tersebut bisa memberikan keuntungan dalam waktu cepat.
Kemudian kita buat perjanjian.
Isinya antara lain: jika dalam 3 tahun salah satu pihak ingin menjual tanah tersebut, maka tanah tersebut boleh dijual, atau...
... apabila harga tanah tersebut mencapai 50% atau lebih dari harga beli dan salah satu pihak ingin menjual kembali, maka tanah tersebut dapat dijual.
Hasil Penjualan Adalah Modal
Seandainya Anda bisa melewati tahap di atas, maka Anda sudah memiliki modal yang cukup untuk membeli properti.
Keuntungan penjualan tersebut diinvestasikan kembali.
Carilah rumah, tanah, perkebunan, ruko, condotel, kos-kosan, condotel, atau lainnya yang harganya lebih murah.
Atau setidaknya terjangkau oleh Anda.
Tips: Carilah tanah di kawasan lebih luar dari pusat kota.
Cara Investasi Properti Yang Menguntungkan
Dan ini sangat penting sekali:
Terapkan langkah-langkah khusus agar investasi properti Anda menguntungkan, dengan keuntungan sebesar-besarnya.
Asumsi dasarnya adalah:
Membeli properti semurah-murahnya, menjual dengan setinggi-tingginya, dalam waktu secepat-cepatnya.
Prinsip #1: Membeli Semurah-Murahnya
Tetapi saya bukan ahli negosiasi.
Jangan panik. Kini banyak jalan untuk mendapatkan properti yang murah.
Diantaranya dengan mencari di internet. Situs-situs properti semakin banyak. Kita semakin mudah menemukan properti dengan harga murah.
Sumber : http://microgist.blogspot.co.id/2015/10/langkah-investasi-properti-menguntungkan.html
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