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Gaya hidup di kota besar kini menuntut tempat tinggal yang praktis, khususnya menuju ke tempat
kerja. Untuk mendapatkan rumah di sekitar kantor, rasanya sudah tidak memungkinkan saat ini dengan pendapatan yang kenaikannya tak sebanding dengan lonjakan harga rumah. Terlebih dengan keterbatasan lahan di kota besar yang terus disesaki banyak orang juga bangunan. Situasi tersebut ditangkap pengusaha properti sebagai peluang bisnis. Mereka menawarkan apartemen sebagai solusi tempat tinggal masa kini.
Setiap iklan apartemen selalu ditampilkan dengan menggunakan bahasa yang memukau. Pebisnis properti menyadari bahwa satu-satunya pertimbangan orang ragu memilih apartemen adalah properti jenis ini menggunakan sertifikat strata title atau kepemilikan lahan bersama. Hal tersebut bukan berarti apartemen menjadi properti yang sepi peminat. Iklan dan promosi yang gencar dilakukan pengembang properti. Ditambah dengan fakta bahwa tiap tahun harga properti cenderung naik. Pada akhirnya, menyadarkan banyak orang untuk segera memiliki properti.
Bagaimana sebenarnya seluk beluk membeli rumah atau apartemen? Manakah yang lebih menguntungkan? Uraian berikut ini akan menjelaskannya kepada Anda.
Baca Juga: Tips Membeli Rumah Pertama
Kenali Kebutuhan dan Tujuan Sebelum Memilih Apartemen atau Rumah
Rumah Subsidi
Bila Tak Punya Dana Utuh, Gunakan KPR untuk Membeli Rumah via mojok.co
Membeli properti butuh biaya besar sehingga harus dipikirkan dengan matang. Sebelum membeli properti, pertimbangkan properti seperti apa yang dibutuhkan dan di mana lokasi yang diinginkan. Jenis hunian yang Anda beli sudah tentu akan ditempati dalam waktu yang lama.
Umumnya properti yang digunakan sebagai hunian terbagi menjadi dua jenis, yaitu:
Hunian vertikal, seperti apartemen, rumah susun, atau kondominium.
Rumah tapak.
Dasar keputusan membeli jenis hunian adalah kebutuhan dan tujuan jangka panjang seperti apa yang ingin dicapai. Sebab hak dan kewajiban yang terkait dengan hunian vertikal dan rumah tapak tidaklah sama. Bahkan, ada perbedaan antara rumah tapak dan hunian vertikal yang menambah atau mengurangi daya tarik masing-masing. Membeli tempat yang paling sesuai dengan gaya hidup dan kebutuhan adalah pertimbangan yang penting.
Pertimbangan umum yang biasanya digunakan sebelum membeli hunian, di antaranya:
Lokasi dan biaya.
Luas bangunan yang diinginkan.
Pentingnya memerhatikan pertimbangan di atas karena rumah akan menjadi tempat yang akan dihuni dalam jangka waktu yang lama.
Pertimbangkan Hal Ini Sebelum Memilih Apartemen atau Rumah
Sebelum memilih jenis hunian yang ingin dibeli, ada baiknya juga mempertimbangkan beberapa hal berikut ini.
1. Pahami Status Hak Milik Rumah dan Apartemen
Status hak milik rumah dan apartemen perlu diketahui lebih dulu oleh calon pembeli. Membeli rumah tapak sama artinya dengan memiliki rumah dan tanahnya sekaligus. Sementara membeli apartemen, Anda hanya memiliki ruangan di dalamnya. Paling tidak Anda juga bisa menikmati fasilitas yang disediakan untuk digunakan secara bersama-sama dengan penghuni lain. Istilahnya adalah kepemilikan bersama (strata title).
2. Pertimbangkan Proses dan Biaya Pemeliharaan
Membeli rumah berarti Anda bertanggung jawab untuk semua perawatannya. Ini tentu ada kaitannya dengan biaya perawatan. Sementara membeli apartemen, pengelola yang bertanggung jawab untuk pemeliharaannya. Besarnya biaya yang dikeluarkan tergantung pada kebijakan pengelola apartemen tersebut.
3. Fitur Komunitas Apartemen Lebih Tertata dengan Rapi
Membeli dan tinggal di apartemen memiliki kelebihan seperti fitur komunitas. Fitur yang dimaksud di sini semisal lapangan tenis, kolam renang, atau fasilitas berbasis masyarakat lainnya yang menjadi lebih mudah digunakan dan dipelihara. Sementara jika membeli rumah tradisional, fitur tersebut akan mengeluarkan biaya yang mahal karena dari pembangunan hingga pemeliharaan ditanggung sendiri.
Pertimbangkan Hal Ini Juga Sebelum Membeli
Sebelum membeli jenis hunian, jangan lupa untuk menyesuaikannya dengan kebutuhan dan anggaran masing-masing. Di bawah ini adalah sejumlah tips yang bisa dijadikan pedoman.
Pertimbangkan lokasi, apakah rumah atau apartemen yang ingin Anda beli itu berlokasi strategis atau tidak.
Bandingkan harga untuk mendapatkan harga terbaik sesuai dengan kondisi pasar dan kebutuhan.
Pertimbangkan tujuan, apakah untuk tempat tinggal atau Investasi. Apa pun tujuannya, sebenarnya membeli properti tak ada ruginya karena harga properti selalu naik. Anda bisa memanfaatkan KPR bila tidak punya dana utuh.
Pertimbangkan fasilitas yang ditawarkan, misalnya apakah properti yang ingin dibeli memiliki fasilitas yang lengkap, seperti sport center hingga supermarket.
Pertimbangkan keamanan dan perawatan. Apartemen dengan fasilitas tambahan semisal fasilitas lift membuat penghuni apartemen mengeluarkan biaya lebih untuk perawatan. Perhatikan juga segi keamanannya, apakah rawan bencana alam, gempa, dekat bandara, banjir, dan lain sebagainya.
Cek legalitas pengembang properti untuk menghindari kerugian akibat properti yang dibangun tidak sesuai dengan yang dijanjikan atau sengketa hukum lainnya. Untuk rumah, sertifikat Surat Hak Milik (SHM) sudah pasti harus ada. Sementara untuk apartemen, hanya diberikan sertifikat Hak Guna Bangunan (HGB) yang batas waktu penggunaannya hanya sampai 20 tahun.
Perhatikan privasi. Apartemen lebih terjaga privasinya dibandingkan rumah. Namun, kelebihan rumah adalah Anda lebih mudah bersosialisasi dengan masyarakat sekitarnya.
Dengan mempertimbangkan faktor di atas, setidaknya Anda akan lebih spesifik lagi menentukan jenis hunian yang ingin dibeli.
Pertimbangkan Perbandingan Antara Apartemen dan Rumah
Kredit Pemilikan Apartemen
Lokasi Apartemen yang Strategis Menjadi Pertimbangan dalam Memilih via 99.co
Jika Anda masih juga bingung menentukan apakah akan membeli apartemen atau rumah, coba perhatikan keuntungan membeli rumah dan apartemen berikut ini. Pilih mana yang lebih mendominasi keinginan Anda. Jika sudah, Anda bisa memutuskan untuk membeli hunian yang tepat sesuai kebutuhan dan harapan tentunya.
Keuntungan Memiliki Apartemen
1. Lokasi Lebih Mudah Dijangkau Karena Strategis dan Dekat Perkantoran
Apartemen sangat cocok bagi Anda yang memiliki mobilitas yang tinggi. Biasanya lokasi apartemen berada di tempat-tempat yang strategis di wilayah perkotaan sehingga dari segi akses akan jauh lebih cepat dan mudah.
2. Fasilitas Lebih Komplet dan Mewah
Pada umumnya, fasilitas mewah dan lengkap merupakan daya tarik yang ditawarkan apartemen. Fasilitas standar yang biasanya diberikan pengelola apartemen, di antaranya lapangan tenis, kolam renang, pusat kebugaran, tempat spa atau sauna, dan lain sebagainya.
3. Alasan Praktis Sering Kali Menjadi Tujuan Utama Membeli Apartemen
Apartemen memang memberikan solusi gaya hidup praktis bagi pembelinya. Sebab semua fasilitas yang berhubungan dengan kebersihan dan pemeliharaan gedung akan menjadi tanggung jawab pihak pengelola. Pemilik apartemen hanya cukup membayar service charge saja. Dan perlu diingat biaya tersebut tidak termasuk dalam biaya KPA bila memiliki apartemen dengan dicicil.
4. Memiliki Apartemen Meningkatkan Prestise bagi Pemiliknya
Maraknya iklan di media seolah memberikan dukungan bahwa apartemen adalah simbol kesuksesan, bentuk kemandirian finansial, dan juga status sosial yang tinggi. Jika dilihat dari lokasi dan fasilitas yang diberikan apartemen yang hampir mirip dengan hotel, memang persepsi seperti ini tidak ada salahnya.
Setelah mengetahui keuntungan membeli apartemen, Anda bisa membandingkannya dengan keuntungan membeli rumah seperti di bawah ini.
Keuntungan Memiliki Rumah
1. Membeli Rumah Artinya Membeli Lahan Juga
Dengan membeli rumah, Anda memiliki lahan untuk membuat tata ruang yang menarik, seperti taman, ruang bermain anak, tempat untuk bersantai, dan lain sebagainya. Selain itu, Anda juga dapat mengubah bentuknya sesuai dengan keinginan. Hal ini tidak bisa terjadi pada apartemen yang biasanya ruangnya terbatas dan lahannya milik bersama.
2. Rumah Punya Keunggulan Mudah Dijual Kembali
Rasa jenuh tinggal di apartemen menyebabkan rumah makin lama makin diminati masyarakat. Selain mudah untuk dijual kembali, sertifikat rumah juga bisa digadaikan saat Anda membutuhkan dana untuk kebutuhan mendesak.
3. Pemilik Rumah Merasa Lebih Nyaman Karena Punya Dua Legalitas
Pemilik rumah lebih terjamin karena punya dua kepemilikan, yaitu rumah dan tanah dalam bentuk sertifikat yang legal. Kemudahan dalam mengelola rumah dari sisi anggaran keuangan membuat rumah lebih fleksibel untuk perencanaan keuangan jangka panjang.
Baca Juga: Ingin Beli Apartemen? Coba Fasilitas KPA
Pertimbangkan Sebelum Menjatuhkan Pilihan
Dengan membandingkan beberapa sisi positif dan negatif hunian dalam bentuk rumah dan apartemen di atas, Anda akan lebih bijak lagi memilih hunian yang akan dibeli. Sebab memiliki rumah atau apartemen merupakan tujuan jangka panjang dan membutuhkan biaya yang tidak sedikit. Karena itu, pertimbangkan dengan masak-masak sebelum akhirnya Anda menjatuhkan pilihan.
Bandingkan harga untuk mendapatkan harga terbaik sesuai dengan kondisi pasar dan kebutuhan.
Pertimbangkan tujuan, apakah untuk tempat tinggal atau Investasi. Apa pun tujuannya, sebenarnya membeli properti tak ada ruginya karena harga properti selalu naik. Anda bisa memanfaatkan KPR bila tidak punya dana utuh.
Pertimbangkan fasilitas yang ditawarkan, misalnya apakah properti yang ingin dibeli memiliki fasilitas yang lengkap, seperti sport center hingga supermarket.
Pertimbangkan keamanan dan perawatan. Apartemen dengan fasilitas tambahan semisal fasilitas lift membuat penghuni apartemen mengeluarkan biaya lebih untuk perawatan. Perhatikan juga segi keamanannya, apakah rawan bencana alam, gempa, dekat bandara, banjir, dan lain sebagainya.
Cek legalitas pengembang properti untuk menghindari kerugian akibat properti yang dibangun tidak sesuai dengan yang dijanjikan atau sengketa hukum lainnya. Untuk rumah, sertifikat Surat Hak Milik (SHM) sudah pasti harus ada. Sementara untuk apartemen, hanya diberikan sertifikat Hak Guna Bangunan (HGB) yang batas waktu penggunaannya hanya sampai 20 tahun.
Perhatikan privasi. Apartemen lebih terjaga privasinya dibandingkan rumah. Namun, kelebihan rumah adalah Anda lebih mudah bersosialisasi dengan masyarakat sekitarnya.
Dengan mempertimbangkan faktor di atas, setidaknya Anda akan lebih spesifik lagi menentukan jenis hunian yang ingin dibeli.
Pertimbangkan Perbandingan Antara Apartemen dan Rumah
Kredit Pemilikan Apartemen
Lokasi Apartemen yang Strategis Menjadi Pertimbangan dalam Memilih via 99.co
Jika Anda masih juga bingung menentukan apakah akan membeli apartemen atau rumah, coba perhatikan keuntungan membeli rumah dan apartemen berikut ini. Pilih mana yang lebih mendominasi keinginan Anda. Jika sudah, Anda bisa memutuskan untuk membeli hunian yang tepat sesuai kebutuhan dan harapan tentunya.
Keuntungan Memiliki Apartemen
1. Lokasi Lebih Mudah Dijangkau Karena Strategis dan Dekat Perkantoran
Apartemen sangat cocok bagi Anda yang memiliki mobilitas yang tinggi. Biasanya lokasi apartemen berada di tempat-tempat yang strategis di wilayah perkotaan sehingga dari segi akses akan jauh lebih cepat dan mudah.
2. Fasilitas Lebih Komplet dan Mewah
Pada umumnya, fasilitas mewah dan lengkap merupakan daya tarik yang ditawarkan apartemen. Fasilitas standar yang biasanya diberikan pengelola apartemen, di antaranya lapangan tenis, kolam renang, pusat kebugaran, tempat spa atau sauna, dan lain sebagainya.
3. Alasan Praktis Sering Kali Menjadi Tujuan Utama Membeli Apartemen
Apartemen memang memberikan solusi gaya hidup praktis bagi pembelinya. Sebab semua fasilitas yang berhubungan dengan kebersihan dan pemeliharaan gedung akan menjadi tanggung jawab pihak pengelola. Pemilik apartemen hanya cukup membayar service charge saja. Dan perlu diingat biaya tersebut tidak termasuk dalam biaya KPA bila memiliki apartemen dengan dicicil.
4. Memiliki Apartemen Meningkatkan Prestise bagi Pemiliknya
Maraknya iklan di media seolah memberikan dukungan bahwa apartemen adalah simbol kesuksesan, bentuk kemandirian finansial, dan juga status sosial yang tinggi. Jika dilihat dari lokasi dan fasilitas yang diberikan apartemen yang hampir mirip dengan hotel, memang persepsi seperti ini tidak ada salahnya.
Setelah mengetahui keuntungan membeli apartemen, Anda bisa membandingkannya dengan keuntungan membeli rumah seperti di bawah ini.
Keuntungan Memiliki Rumah
1. Membeli Rumah Artinya Membeli Lahan Juga
Dengan membeli rumah, Anda memiliki lahan untuk membuat tata ruang yang menarik, seperti taman, ruang bermain anak, tempat untuk bersantai, dan lain sebagainya. Selain itu, Anda juga dapat mengubah bentuknya sesuai dengan keinginan. Hal ini tidak bisa terjadi pada apartemen yang biasanya ruangnya terbatas dan lahannya milik bersama.
2. Rumah Punya Keunggulan Mudah Dijual Kembali
Rasa jenuh tinggal di apartemen menyebabkan rumah makin lama makin diminati masyarakat. Selain mudah untuk dijual kembali, sertifikat rumah juga bisa digadaikan saat Anda membutuhkan dana untuk kebutuhan mendesak.
3. Pemilik Rumah Merasa Lebih Nyaman Karena Punya Dua Legalitas
Pemilik rumah lebih terjamin karena punya dua kepemilikan, yaitu rumah dan tanah dalam bentuk sertifikat yang legal. Kemudahan dalam mengelola rumah dari sisi anggaran keuangan membuat rumah lebih fleksibel untuk perencanaan keuangan jangka panjang.
Baca Juga: Ingin Beli Apartemen? Coba Fasilitas KPA
Pertimbangkan Sebelum Menjatuhkan Pilihan
Dengan membandingkan beberapa sisi positif dan negatif hunian dalam bentuk rumah dan apartemen di atas, Anda akan lebih bijak lagi memilih hunian yang akan dibeli. Sebab memiliki rumah atau apartemen merupakan tujuan jangka panjang dan membutuhkan biaya yang tidak sedikit. Karena itu, pertimbangkan dengan masak-masak sebelum akhirnya Anda menjatuhkan pilihan.
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