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Jika Anda seorang karyawan, mungkin Anda bisa berpuas diri dengan penghasilan atau gaji setiap bulan. Namun, mungkin Anda sadar bahwa pekerjaan Anda saat ini hanya mampu menghidupi kebutuhan sehari-hari saja. Sementara itu, mungkin Anda memiliki mimpi yang besar, namun butuh dana yang besar pula. Misalnya saja membantu keluarga besar keluar dari krisis finansial. Atau bisa jadi Anda khawatir karena hanya mengandalkan hasil dari satu pekerjaan saja dan menginginkan hasil dari pekerjaan yang lain sebagai rencana pendukung.

Untuk itu, Anda dapat melirik investasi properti, dalam hal ini investasi rumah kontrakan. Anda bisa mendapatkan pendapatan secara pasif untuk setiap periode bulan atau tahun. Lahan sewa untuk perkantoran atau ruko memang strategis. Namun, jika modal Anda belum mencukupi, mulailah dengan rumah kontrakan untuk tempat tinggal. Hal itu paling realistis jika Anda adalah seorang pemula dan memulai dari bawah. Selain itu, percayalah bahwa langkah yang Anda lakukan ini bisa membuat Anda bebas finansial di masa yang akan datang. Dalam benak Anda mungkin bertanya-tanya kenapa investasi ini sangat menggiurkan hasilnya?

Data pemerintah tahun 2014 menunjukan masih adanya 15 juta orang membutuhkan tempat tinggal. Indonesia sendiri sedang mengalami backlog. Artinya, terdapat kesenjangan antara kebutuhan rumah dengan ketersediaan rumah. Masih banyak orang yang belum dapat memenuhi kebutuhan primer ini. Untuk itu, mereka akan tinggal di tempat sementara seperti kos-kosan, rumah kontrakan, ataupun sejenisnya.

Karena kebutuhan rumah akan semakin meningkat dari tahun ke tahun, maka investasi rumah kontrakan merupakan peluang besar. Setiap pintu yang kita kontrakan ibarat mesin pendulang uang atau income generator. Tidak hanya memberikan kebaikan secara finansial, pendapatan pasif juga berdampak baik terhadap kondisi psikologis seseorang.

Cara Investasi Rumah Kontrakan

Berinvestasi dalam Bentuk Rumah Kontrakan

Berinvestasi dalam Bentuk Rumah Kontrakan via kaskus.co.id



Memang terlihat sederhana, namun demikian Anda perlu mempertimbangkan banyak hal agar dapat mengoptimalkan hasil investasinya. Anda bisa memulai dari modal yang kecil. Namun, bisa jadi memberikan hasil yang maksimal. Untuk itu, perhatikan beberapa tips berikut ini:

Cari Daerah Kawasan Industri
Kawasan industri selalu tumbuh dari waktu ke waktu. Bukan hanya ditandai dengan berdirinya banyak pabrik, ada banyak faktor lain yang ikut tumbuh karena adanya kawasan industri. Akan tumbuh pusat-pusat perekonomian, komersil, pemukiman baru, menambah rantai ekonomi dan bisnis di daerah kawasan industri. Namun penggerak dari itu semua adalah para karyawan pabrik. Mereka mendapatkan uang dan mereka juga membutuhkan berbagai hal untuk menunjang kehidupannya. Kebutuhan hidup manusia atas tempat tinggal adalah kebutuhan primer yang tidak terelakkan. Memulai usaha pada sektor ini menjadi pilihan yang tepat dan menguntungkan.
Bandingkan Harga Tanah
Inilah kunci dalam investasi rumah kontrakan. Cari harga tanah yang rendah. Karena harga tanah merupakan faktor penyumbang besar kecilnya dana modal. Semakin kecil modal, semakin besar kemungkinan untuk kembali modal (ROI).
Bandingkan Rate
Berapa harga sewa atau kontrakan per bulan atau per tahun? Lontarkan pertanyaan ini setiap kali Anda ingin membeli tanah untuk dibangun rumah kontrakan. Apakah kita membangun rumah kontrakan di daerah dengan rate tinggi? Belum tentu. Karena ada faktor lain selain rate.
Prediksi di Masa Depan
Tidak kalah pentingnya adalah dengan mengetahui prediksi perkembangan daerah tersebut beberapa tahun ke depan. Anda bisa memperkirakannya dengan melihat pembangunan infrastruktur, tingkat kegiatan ekonomi, dan rencana lain yang bersumber dari pemerintah.
Lokasi
Setelah melakukan beberapa langkah di atas, mulailah kepada hal-hal yang lebih spesifik. Yaitu pemilihan lokasi. Temukan lokasi yang strategis yaitu dekat dengan fasilitas umum, nyaman, dan sedang berkembang.
Denah
Rencanakan dengan matang bagaimana denah dari rumah kontrakan. Biasanya untuk kontrakan karyawan pabrik dibuat dengan model rumah petak. Pertimbangkan pula untuk menyediakan ruang parkir, tumbuhan hijau, dan ruang terbuka untuk interaksi para penghuni.
Sumber Air
Jangan pernah melewatkan untuk memeriksa bagaimana cara mendapatkan air di daerah tersebut. Apakah mudah ataukah sulit? Meskipun jarang sekali orang memikirkannya, namun ketiadaan air bersih dapat menjadi masalah besar. Tentunya Anda tidak mau capek-capek membangun dan investasi rumah kontrakan, namun tidak bisa dihuni karena ketiadaan air bersih.
Dengan membandingkan berbagai informasi di atas, barulah Anda dapat menentukan daerah mana yang paling baik untuk investasi rumah kontrakan. Semakin banyak informasi yang Anda dapatkan semakin baik untuk keuntungan Anda di masa mendatang.

Baca Juga: Manfaat Investasi Meski Dalam Skala Kecil

Keuntungan Investasi Rumah Kontrakan

Pendapatan Pasif Investasi Rumah Kontrakan

Pendapatan Pasif Investasi Rumah Kontrakan via createmyindependence.com



Berbagai hal menjadi pertimbangan untuk memulai investasi. Adapun, hal-hal yang dapat menjadi pertimbangan Anda adalah sebagai berikut.

Rumah Kontrakan Masih Diminati
Seiring meningkatnya perekonomian kelas menengah yang diisi oleh orang-orang berusia muda, muncul juga kesadaran untuk mandiri ketika sudah memasuki kehidupan pernikahan dan membentuk keluarga kecil. Namun seringkali pasangan muda belum memiliki dana cukup untuk membeli sebuah rumah. Oleh karenanya, menyewa rumah adalah pilihan paling baik.

Minat untuk menyewa rumah di kalangan penduduk kota cenderung masih tinggi, terutama bila rumah anda dekat dengan ruang-ruang publik yang vital seperti pusat belanja, perkantoran, terminal atau tempat mengakses angkutan umum, rumah sakit, dan sebagainya.
Harga Sewa Meningkat tiap Tahun
Seiring meningkatnya harga pasaran rumah, harga sewa rumah anda juga sebenarnya meningkat. Berbagai sumber menyarankan harga sewa rumah anda tidak kurang dari 5% dari harga jual rumah anda. Jadi jika rumah Anda, misalnya, dijual seharga Rp500 juta, maka harga sewa yang pantas adalah Rp25 juta tiap tahunnya. Ketika harga rumah meningkat tiap tahunnya, harga sewa juga diharapkan akan meningkat. Peningkatan harga rumah ini diprediksi sebesar 10%-15% tiap tahunnya. Namun, ini bukan hitungan yang pasti, semua tergantung pada lokasi, kondisi rumah, dan perencanaan daerah di sana.
Capital Gain yang Relatif Tinggi
Capital gain adalah keuntungan yang anda dapat dari investasi yang anda tanamkan. Ketika menginvestasikan rumah, anda akan mendapatkan keuntungan yang lebih besar bila dibandingkan dengan jenis investasi properti yang lain, misalnya tanah. Tanah kosong, sebagai contoh, tidak memiliki manfaat langsung, atau hanya bisa dimanfaatkan secara terbatas untuk mendapatkan capital gain yang anda harapkan. Sedangkan ketika anda menginvestasikan rumah, Anda bisa memiliki manfaat langsung yang lebih banyak sehingga bisa menghasilkan capital gain yang lebih besar.
Perawatan Bisa Dibebankan pada Penyewa
Untuk perawatan rumah, Anda bisa membebankan kepada penyewa. Tentu perawatan yang dimaksud adalah perawatan yang ringan-ringan saja seperti taman, tanaman, dan sebagainya. Pemilik tentu saja membutuhkan tempat tinggal yang baik dan bisa digunakan dengan sebagaimana mestinya. Agar tetap dapat digunakan, tentu harus ada perawatan-perawatan kecil yang bisa mereka lakukan sendiri sebagai penyewa. Namun, ketentuan ini tentu harus disepakati di awal kontrak supaya tidak terjadi perselisihan karena pihak yang satu dianggap melanggar kesepakatan oleh pihak yang lain.
Dapat Digunakan sebagai Agunan
Investasi rumah relatif menguntungkan bila dibandingkan dengan investasi tanah, misalnya, karena rumah bisa digunakan sebagai agunan. Untuk mengembangkan usaha, dalam bidang apapun, anda suatu saat akan membutuhkan pinjaman dari pihak bank dalam jumlah yang relatif besar. Rumah anda yang disewakan itu, selain bisa mendatangkan pemasukan pasif bagi anda, juga bisa dijadikan agunan pinjaman.
Baca Juga: Jenis Investasi Jangka Pendek dan Jangka Panjang yang Menguntungkan

Kekurangan Investasi Rumah Kontrakan

Risiko Investasi Rumah Kontrakan

Risiko Investasi Rumah Kontrakan via amazonaws.com



Pada dasarnya memang setiap investasi haruslah menguntungkan, termasuk investasi rumah sewa. Namun kita juga harus melihat, definisi menguntungkan itu juga bisa terlihat ketika kita membandingkan dengan jenis investasi lain yang sepadan. Lalu, apa yang bisa kita pahami dari kekurangan investasi rumah kontrakan?

Ada Risiko Tidak Terawat
Tentang perawatan rumah adalah hal yang bisa dipandang sebagai kelebihan atau kekurangan. Risiko yang bisa saja terjadi adalah anda mendapatkan penyewa rumah yang tidak bertanggungjawab terhadap rumah yang mereka sewa. Barangkali hal ini berkaitan dengan tidak adanya rasa memiliki yang melekat pada penyewa, sehingga mereka seakan lepas tangan untuk masalah perawatan rumah dalam hal sekecil apapun.

Hal terburuk yang terjadi adalah mereka meninggalkan rumah anda dalam kondisi buruk ataupun rusak. Hal ini dapat diatasi dengan selektif dalam memilih calon penyewa, serta dibuat aturan atau kesepakatan terlebih dahulu di awal sebelum kontrak ditandatangani supaya tidak ada pihak yang merasa dirugikan.
Capital Rate Relatif Rendah
Capital rate adalah penghasilan bersih yang dapat diterima dari sebuah aset dan biayanya. Mengapa relatif rendah? Sebab harga sewa rumah kontrakan sudah ditentukan sejak awal perjanjian dan tidak ada biaya tambahan lainnya dari Anda sebagai pemilik rumah. Berbagai sumber menyebutkan bahwa capital rate rumah sewa rata-rata sebesar 3%-5%. Bila dibandingkan dengan properti lain seperti kios dan ruko. Capital rate tersebut lebih rendah karena biasanya kios dan ruko memiliki bangunan yang lebih luas dari luas tanahnya.
Jangka Waktu Sewa Pendek
Jangka waktu rumah sewa ini relatif pendek bila dibandingkan dengan jenis investasi properti yang lainnya. Rata-rata yang ditemui untuk sewa rumah ini adalah satu tahun hingga dua tahun. Namun demikian, tetap ada penyewa rumah yang selalu mengajukan perpanjangan sewa hingga beberapa tahun kemudian. Bila dibandingkan dengan ruko, kios, ataupun tanah, jangka waktu mereka bisa lebih panjang karena biasanya digunakan untuk membuka usaha. Misalnya, ruko disewa untuk dibuka toko sepeda, butuh waktu beberapa tahun barangkali bagi calon konsumen untuk memandang toko tersebut sebagai tujuan ketika membutuhkan bagian-bagian sepeda. Ada proses pengenalan brand yang harus dipertimbangkan ketika menyewa ruko, dan ini tidak ditemukan pada rumah yang disewakan.
Berisiko Digunakan untuk Hal-Hal Negatif
Berbagai berita yang muncul di media menyebutkan bahwa rumah kontrakan seringkali digunakan sebagai tempat untuk menjalankan usaha-usaha yang bertentangan dengan norma dan hukum. Misalnya, di sekitar Jakarta banyak ditemukan tempat produksi obat-obatan berbahaya yang dilakukan di rumah kontrakan. Atau bahkan banyak juga ditemukan rumah kontrakan yang berada di sekitar kampus, disewa bersama-sama oleh sekelompok mahasiswa untuk menempati beberapa kamar di sana.

Karena aturan yang ada cenderung bebas, rumah kontrakan seringkali digunakan sebagai tempat untuk melakukan seks bebas yang merisaukan warga sekitar. Anda sebagai pemilik rumah mau tidak mau akan turut terkena teguran oleh warga sekitar karena bagaimanapun juga aktivitas tersebut dilakukan di dalam aset anda. Solusinya, sama seperti sebelumya, kenali baik-baik calon penyewa rumah anda, lalu buatlah semacam perjanjian atau kesepakatan mengenai hal-hal yang dilarang dilakukan di dalam rumah anda. Hal ini semata-mata dilakukan untuk menjaga keharmonisan dengan warga sekitar.
Utamakan Konsumen

Setelah Anda mengetahui kelebihan dan kekurangan dari investasi rumah kontrakan, tentu Anda akan semakin percaya diri dalam menjalaninya. Perhatikan dan pastikan bahwa keuntungan yang akan Anda peroleh akan lebih banyak dari kerugiannya selama menjalani usaha ini. Namun, jika tekun dan mengutamakan kepuasan pengontraknya, pastinya Anda akan mendapatkan hasil yang maksimal.


Sumber : https://www.cermati.com/artikel/tips-memulai-investasi-rumah-kontrakan

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