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by admin
on Desember 17, 2020

5 Perbedaan Rumah Subsidi dan Rumah Komersial

Berinvestasi menjadi trend terbaru di usia muda, property menjadi salah satu pilihan yang tepat.

Jika dikontrakan bisa menjadi pasif income (pendapatan pasif), kalaupun tidak ditempati, Anda tidak akan rugi karena nilai jual tanah dan rumah yang selalu meningkat setiap waktunya.

Selain berinvestasi, kini memiliki rumah menjadi salah satu patokan mapan atau tidaknya seseorang untuk membina rumah tangga. Seiring berjalannya waktu, rumah terus berkembang sehingga beragam harga, ukuran, tipe rumah, fasilitas ditawarkan berbagai developer property.

Jika Anda ingat, di tahun 2018 istilah Rumah Subsidi menjadi cukup trend bagi kalangan muda yang baru saja menikah bahkan konsumen yang sedang mencari rumah. Mudahnya, rumah subsidi adalah rumah yang tersedia atas kerjasama pemerintah dengan developer property yang ditujukan untuk masyarakat berpenghasilan rendah. Sehingga rumah subsidi menawarkan kemudahan pengajuan KPR dengan bunga flat. Rumah subsidi juga digadang-gadang cocok untuk masyarakat berpenghasilan Upah Minimum Rupiah(UMR) maupun dibawah UMR.

Menurut tirto.id dalam berita berikut :

https://tirto.id/pemerintah-alokasikan-anggaran-subsidi-rumah-rp15-triliun-eBeT pada postingan berit 25 Februari 2020

Pemerintah telah menyiapkan anggaran sebesar Rp 1,5 triliun untuk subsidi bunga dan bantuan uang muka perumahan masyarakat berpenghasilan rendah. Dalam berita tersebut, dikutip juga bahwa menteri keuangan Sri Mulyani menjelaskan masyarakat yang menerima subsidi hanya menanggung bunga 5 persen selama 10 tahun.

Upaya yang dilakukan pemerintah dalam pemenuhan hunian bagi masyarakat dinilai positif oleh masyarakat dari kalangan bawah hingga menengah. Lantas bagaimana dengan rumah komersial?

Rumah komersial sendiri merupakan rumah non subsidi yang ditujukan oleh siapa saja yang mendapatkan persetujuan cicilan. Perbedaan mendasar rumah subsidi dan rumah komersial terletak pada ukuran bangunan dan luas tanah.

Selengkapnya Anda bisa baca 5 Perbedaan Rumah Subsidi dan Rumah Komersial dibawah ini,

1. Harga Rumah

Berapa harga rumah subdisi?

Dengan peran pemerintah yang aktif, harga rumah subsidi menjadi jauh lebih murah dibandingkan rumah komersial. Harganya bervariasi berkisar 140 juta sampai dengan 200 juta tergantung tipe rumah dan lokasi Anda. Berikut harga jual Rumah Bersubsidi menurut : KepMen PUPR242-2020 yang bisa Anda download di link berikut : 

https://jdih.pu.go.id/internal/assets/assets/produk/KepmenPUPR/2020/03/KepmenPUPR242-2020.pdf

  • Jawa (kecuali Jakarta, Bogor, Depok,Tangerang, Bekasi) dan Sumatera (kecuali Kep. Riau, Bangka Belitung, Kepulauan Mentawai) : Rp 150.500.000
  • Kalimantan (kecuali Kabupaten MurungRaya dan Kabupaten Mahakam Ulu) : Rp 164.500.000
  • Sulawesi, Bangka Belitung, Kepulauan Mentawai, dan Kepulauan Riau (kecuali Kepulauan Anambas) : Rp 156.500.000
  • Maluku, Maluku Utara, Bali dan Nusa Tenggara, Jabodetabek (Jakarta, Bogor, Depok, Tangerang, Bekasi), Kepulauan Anambas, Kabupaten Murung Raya, dan Kabupaten Mahakam Ulu : Rp 168.000.000
  • Papua dan Papua Barat :  219.000.000

Berapa harga rumah komersial?

Harga rumah komersial, umumnya berkisar 300 juta ke atas sesuai dengan tipe dan luas tanah yang Anda beli.

2. Fasilitas dan Lingkungan

Fasilitas apa saja yang biasanya tersedia di perumahan subsidi?

  1. Taman Bermain
  2. Sarana Ibadah
  3. Pos Jaga

Fasilitas dan Lingkungan yang tersedia di rumah komersial?

  1. Taman Bermain
  2. Sarana Ibadah
  3. Area Olahraga
  4. Kolam Renang
  5. CCTV
  6. Security 24 jam

dan lainnya tergantung perumahan yang Anda beli.

3. Lokasi Rumah

Lokasi menjadi salah satu pertimbangan saat kita memilih rumah untuk berinvestasi atau dihuni. Sebelum menentukan memilih rumah subsidi atau rumah komersial, pastikan Anda tahu tujuan Anda membeli rumah

  1. “Apakah yang penting saya punya rumah?”
  2. “Saya mau punya rumah yang aksesnya mudah”

Jika Anda menjawab A, maka rumah subsidi adalah pilihan yang tepat. Lokasi rumah subsidi cenderung berada pada wilayah yang sedang berkembang. Tetapi jika Anda beruntung, Anda bisa mendapatkan rumah yang tidak terlalu jauh dari pusat kota.

4. Tipe Bangunan dan Ukuran

Perbedaan Rumah Subsidi dan Rumah Komersial paling mendasar terletak di Tipe Rumah dan Ukuran Bangunan.

Rumah subsidi tipe berapa?

Ukuran dan luas bangunan rumah subsidi berkisar antara 21 m² hingga 36 m² dengan luas tanah antara 60 m² hingga 200 m².

Rumah subsidi memang di tujukan untuk masyarakat berpenghasilan rendah dengan skema keluarga kecil. Biasanya tersedia dengan 2 kamar, 1 ruang tamu, 1 kamar mandi, tanpa dapur.

Rumah komersial tipe berapa?

Sangat penting bagi Anda mengetahui berbagai tipe hunian, termasuk rumah komersial. Biasanya developer membagi tipe hunian ke dalam 6 tipe sebagai berikut,

a. Tipe 21

Rumah tipe 21 biasanya dibangun diatas tanah yang berukuran 50-60  m², rumah tipe 21 biasanya memiliki 1-2 kamar. Umumnya tipe 21 diperuntukkan untuk keluarga kecil atau pasangan yang baru saja menikah

b. Tipe 36

Kebanyakan orang memilih rumah tipe 36 sebagai tipe rumah pertamanya. Tipe 36 juga menjadi favorit pembeli rumah subdisi. Rumah tipe ini biasanya dibangun diatas tanah berukuran 60-90 m².

c. Tipe 45

Jika ingin memiliki rumah yang lebih luas tapi tidak terlalu besar, tipe 45 cocok menjadi tipe hunian Anda. Biasanya tipe 45 dibangun diatas tanah dengan luas 90-120  m², tersedia dengan 2-3 kamar, 1 kamar mandi, 1 ruang tamu, dapur, halaman depan dan mini halaman di area belakang.

d. Tipe 54

Dikutip dari website : raywhite.co.id, rumah dengan ini umumnya dibangun dengan dimensi 9×6 meter dan 13,5 x 4 meter. Dengan tipe rumah 54, Anda dan keluarga sudah mendapatkan 2-3 kamar tidur, 2 kamar mandi, ruang tamu, ruang makan, dua taman di sisi depan dan belakang rumah. Cocok untuk Anda yang memiliki 2 anak dalam keluarga

e. Tipe 60

Rumah dengan tipe 60 dibangun pada tanah dengan luas 120-150 meter,  dengan material yang berkualitas, tak jarang rumah tipe 60 dibuat menjadi 2 lantai dengan kapasitas ruangan yang tentunya lebih banyak. Harga tipe 60 berkisar Rp 750 juta – 1 Miliar.

f. Tipe 70

Memiliki dana Rp 1 Miliar-2 Miliar? Jika iya, tipe 70 cocok untuk Anda dan keluarga. Spesifikasi dan material yang digunakan lebih baik, selain itu lingkungan dan fasilitas perumahan yang lengkap, membuat Anda dan keluarga tidak merasa bosan jika harus berdiam di lingkungan rumah.

5. Kebutuhan Renovasi

Jika Anda membeli rumah subsidi tentu Anda membutuhkan renovasi dibagian dapur dan halaman depan.  Karena rumah subsidi biasanya menyediakan 3×3 m tanah kosong bagian belakang yang belum dibangun. Terlebih jika Anda membeli rumah dengan single tembok, yang biasanya mudah rembes. Pastikan Anda membeli rumah subsidi dengan material yang cukup berkualitas dari developer terpercaya.

Bagaimana dengan penjelasan diatas? sudah cukup membantu?

Jika belum, sebaiknya Anda kunjungi link berikut : http://pembiayaan.pu.go.id/faq/p/category/kpr-bersubsidi-flpp-ssb-dan-sbum untuk mendapatkan informasi terpercaya.

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