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Umumnya, harga rumah bersubdisi telah dipatok pada kisaran harga tertentu. Dengan asumsi pembayaran yang terjangkau per bulannya serta tenor panjang 10 hingga 20 tahun, maka rumah bersubsidi bisa menjadi solusi bagi MBR yang ingin memiliki rumah.
Dari sisi lain, jumlah pemohon rumah bersubsidi, baik rumah maupun rusun semakin meningkat. Kendati begitu, sebagai calon pembeli, ada baiknya Anda mengetahui terlebih dahulu kekurangan dan kelebihan membeli rumah bersubsidi. Berikut adalah pembahasannya.
Kelebihan
Berikut adalah kelebihan saat membeli rumah bersubsidi dari pemerintah.
Harga Terjangkau
Kelebihan pertama tentu Anda akan mendapatkan rumah dengan harga terjangkau. Seperti diketahui, rumah bersubsidi diperuntukkan bagi Masyarakat Berpenghasilan Rendah (MBR). Jadi, harganya pasti disesuaikan dengan kemampuan kantong MBR.
Biasanya, Kemenpera memberi bocoran harga jual rumah bersubsidi yang akan dibangun di beberapa kota di Indonesia. Harga per unit rumah subsidi pun berbeda dari kota satu dengan kota lainnya.
Developer Tepercaya
Banyak developer atau pengembang yang turut bekerja sama dalam program Kementerian Perumahan Rakyat (Kemenpera) ini. Para developer telah terdaftar di beberapa asosiasi pengembang resmi seperti APERSI dan REI.
Selain itu, meski tergolong developer kecil, developer tersebut sudah memiliki beberapa proyek perumahan di kawasan lain yang telah rampung atau masih dalam proses penjualan. Sehingga, risiko adanya developer nakal pun sangat kecil.
Lokasi Potensial
Biasanya, rumah bersubsidi berlokasi di kawasan industri yang sedang dan akan berkembang nantinya. Kawasan-kawasan yang berada di dekat kawasan industri cepat sekali mengalami perkembangan dan akan menjadi kawasan strategis untuk dihuni.
Jarak menuju kawasan industri dari lokasi perumahan pun tidak terlampau jauh, hanya sekitar 7—15 km. Sehingga bagi warga yang bekerja di kawasan tersebut, lahan perumahan bersubsidi menjadi kawasan strategis untuk dihuni.
Bukan Rumah Inden
Tidak perlu cemas akan tangan-tangan nakal developer. Karena Kemenpera telah mengatur sedemikian rupa bahwa tidak ada sistem rumah inden untuk program rumah bersubsidi. Semua rumah sudah siap dihuni (ready stock), untuk menyikapi kasus risiko gagal terbangun.
Calon pembeli bisa mengecek langsung kondisi rumah di lokasi bersangkutan untuk memastikan bahwa rumah-rumah di lokasi tersebut telah terbangun baik dan terencana.
Syarat Mudah
Untuk mendapatkan rumah bersubsidi dari pemerintah, syarat yang harus dipenuhi tidaklah begitu sulit. Dalam Peraturan Kemenpera No. 3 Tahun 2014, disebutkan bahwa bila calon pembeli ingin membeli secara KPR-FLPP, maka harus memenuhi persyaratan, antara lain:
WNI berusia minimal 21 tahun;
Memiliki penghasilan tetap. Maksimal penghasilan Rp 4 juta untuk rumah tapak dan maksimal Rp 7 juta untuk rumah sejahtera susun;
Memiliki NPWP;
Menyerahkan fotokopi SPT dan PPh;
Belum memiliki rumah pribadi;
Belum pernah menerima subsidi pemerintah untuk proses pemilikan rumah.
Bila sudah memenuhi syarat di atas, saatnya Anda memilih bank penyalur KPR FLPP.
Baca juga: KPR Sejahtera: Solusi Rumah Murah Bersubsidi
Kekurangan
Selain kelebihan, ada beberapa kekurangan yang harus Anda ketahui sebelum membeli rumah bersubsidi. Berikut ini beberapa kekurangannya.
Akses Perumahan Sulit Dijangkau
Sulitnya menemukan rumah bersubsidi menjadi kelemahan dari proyek pemerintah ini. Anda membutuhkan kendaraan pribadi untuk dapat menjangkau lokasi perumahan tersebut. Selain itu, kondisi jalan untuk mencapai lokasi pun masih terbilang kurang bagus.
Jauh dari Pusat Kota
Meski dekat dengan lokasi industri, namun rumah KPR bersubsidi jauh dari keramaian pusat kota. Sehingga bila ingin mengunjungi pusat kota, Anda harus menempuh perjalanan jauh dan menerobos kemacetan.
Spesifikasi Bangunan Rumah Standar
Bila mengharapkan rumah besar dengan standar bangunan sempurna, maka itu tidak dapat Anda temukan di rumah bersubsidi.
Karena luas rumah dibatasi, yaitu 36 meter persegi untuk rumah tapak. Sedangkan rumah susun adalah berukuran antara 21 meter persegi hingga 36 meter persegi.
Peraturan ini dibuat agar target pemerintah mengena pada sasaran. Selain itu, beberapa rumah di kawasan tertentu memiliki struktur bangunan kurang baik. Hal ini membuat struktur bangunan rentan terkena masalah.
Dengan mengetahui kelebihan dan kekurangan membeli rumah bersubsidi, semoga bisa menjadi acuan Anda dalam pengambilan keputusan memilih hunian terbaik.
SUMBER : https://kreditgogo.com/artikel/Kredit-Pemilikan-Rumah/Kelebihan-dan-Kekurangan-Membeli-Rumah-Bersubsidi.html
Bukan Rumah Inden
Tidak perlu cemas akan tangan-tangan nakal developer. Karena Kemenpera telah mengatur sedemikian rupa bahwa tidak ada sistem rumah inden untuk program rumah bersubsidi. Semua rumah sudah siap dihuni (ready stock), untuk menyikapi kasus risiko gagal terbangun.
Calon pembeli bisa mengecek langsung kondisi rumah di lokasi bersangkutan untuk memastikan bahwa rumah-rumah di lokasi tersebut telah terbangun baik dan terencana.
Syarat Mudah
Untuk mendapatkan rumah bersubsidi dari pemerintah, syarat yang harus dipenuhi tidaklah begitu sulit. Dalam Peraturan Kemenpera No. 3 Tahun 2014, disebutkan bahwa bila calon pembeli ingin membeli secara KPR-FLPP, maka harus memenuhi persyaratan, antara lain:
WNI berusia minimal 21 tahun;
Memiliki penghasilan tetap. Maksimal penghasilan Rp 4 juta untuk rumah tapak dan maksimal Rp 7 juta untuk rumah sejahtera susun;
Memiliki NPWP;
Menyerahkan fotokopi SPT dan PPh;
Belum memiliki rumah pribadi;
Belum pernah menerima subsidi pemerintah untuk proses pemilikan rumah.
Bila sudah memenuhi syarat di atas, saatnya Anda memilih bank penyalur KPR FLPP.
Baca juga: KPR Sejahtera: Solusi Rumah Murah Bersubsidi
Kekurangan
Selain kelebihan, ada beberapa kekurangan yang harus Anda ketahui sebelum membeli rumah bersubsidi. Berikut ini beberapa kekurangannya.
Akses Perumahan Sulit Dijangkau
Sulitnya menemukan rumah bersubsidi menjadi kelemahan dari proyek pemerintah ini. Anda membutuhkan kendaraan pribadi untuk dapat menjangkau lokasi perumahan tersebut. Selain itu, kondisi jalan untuk mencapai lokasi pun masih terbilang kurang bagus.
Jauh dari Pusat Kota
Meski dekat dengan lokasi industri, namun rumah KPR bersubsidi jauh dari keramaian pusat kota. Sehingga bila ingin mengunjungi pusat kota, Anda harus menempuh perjalanan jauh dan menerobos kemacetan.
Spesifikasi Bangunan Rumah Standar
Bila mengharapkan rumah besar dengan standar bangunan sempurna, maka itu tidak dapat Anda temukan di rumah bersubsidi.
Karena luas rumah dibatasi, yaitu 36 meter persegi untuk rumah tapak. Sedangkan rumah susun adalah berukuran antara 21 meter persegi hingga 36 meter persegi.
Peraturan ini dibuat agar target pemerintah mengena pada sasaran. Selain itu, beberapa rumah di kawasan tertentu memiliki struktur bangunan kurang baik. Hal ini membuat struktur bangunan rentan terkena masalah.
Dengan mengetahui kelebihan dan kekurangan membeli rumah bersubsidi, semoga bisa menjadi acuan Anda dalam pengambilan keputusan memilih hunian terbaik.
SUMBER : https://kreditgogo.com/artikel/Kredit-Pemilikan-Rumah/Kelebihan-dan-Kekurangan-Membeli-Rumah-Bersubsidi.html
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