Cara Investasi Properti untuk Pemula: Pengertian & Keuntungan
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Terakhir diperbarui 06 September 2024 · 9 min read · by Yongky Yulius
Foto: 1989_s from Getty Images dari Canva Pro
Memahami cara investasi properti yang benar bisa menjadi langkah bijak.
Pasalnya, semua jenis investasi, termasuk reksa dana, saham, kripto, dan properti, pasti ada risiko kerugiannya.
Dengan mengetahui cara investasi properti, Anda dapat mempersiapkan setiap langkahnya secara maksimal.
Jadi bisa lebih cerdik dalam menghindari potensi kerugian yang mungkin ditimbulkan dan bisa memaksimalkan keuntungan.
Selain itu, saat memutuskan berinvestasi properti, Anda pasti akan berhubungan dan bekerja sama dengan beberapa pihak.
Jika tak mengerti seluk beluknya, termasuk cara investasinya, Anda bisa saja kena tipu orang tak bertanggung jawab.
Jadi, mari ketahui cara investasi properti untuk pemula berikut ini.
Apa Itu Investasi Properti?
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Investasi properti adalah kegiatan membeli, memiliki, menyewakan, mengelola, atau menjual properti dengan tujuan mendapatkan keuntungan finansial.
Dalam konteks ini, properti tersebut di antaranya bisa berbentuk tanah, rumah, apartemen, bangunan komersial, pergudangan, pabrik, resort, villa, kost, dan masih banyak lagi.
Secara umum, investasi properti bisa memiliki pengembalian investasi dari dua cara, yakni dari pertumbuhan nilai properti dan pendapatan sewa.
Untuk pertumbuhan nilai properti, berarti investor mendapatkan untung dari menjual propertinya kembali di harga lebih tinggi.
Biasanya, investor baru bisa menjual propertinya di harga lebih tinggi setelah bertahun-tahun. Pasalnya, harga properti berpotensi merangkak naik seiring berjalannya waktu karena sejumlah faktor.
Sementara itu, untuk skema meraih keuntungan pendapatan sewa, investor berarti menyewakan kembali propertinya kepada konsumen.
Sistem sewanya bisa harian, bulanan, atau tahunan.
Investor juga bisa menyerahkan pengelolaan propertinya kepada manajemen properti agar lebih praktis.
Keuntungan Investasi Properti
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Ada sejumlah keuntungan investasi properti yang bisa Anda dapatkan dibandingkan aset investasi lainnya. Beberapa di antaranya adalah:
1. Imbal Hasil Menggiurkan
Jika berinvestasi secara tepat, Anda bisa mendapatkan imbal hasil yang menggiurkan.
Rata-rata kenaikan harga properti adalah 10 persen per tahun dalam jangka panjang.
Anda bisa memanfaatkan kenaikan harga tersebut untuk bisa menjual propertinya di harga lebih tinggi.
2. Bisa Jadi Sumber Passive Income
Setelah membeli properti untuk investasi, langkah berikutnya adalah menyewakannya kembali.
Anda bisa mendapatkan passive income secara rutin secara bulanan atau tahunan jika penyewa propertinya membayar uang sewa tepat waktu.
3. Punya Kontrol
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Saat berinvestasi di saham sebagai investor ritel, Anda tentu tidak memiliki banyak kontrol untuk mengelola perusahaannya.
Namun hal berbeda bisa dirasakan jika Anda berinvestasi properti.
Anda bisa mengontrol, mengelola, atau mengubah asetnya sesuai keinginan dan tujuan investasi tertentu.
4. Cocok untuk Jangka Panjang
Lantaran ada bentuk fisik dan nilai gunanya, aset properti bisa untuk investasi jangka panjang.
Bahkan, Anda bisa mewariskan properti tersebut kepada anak-cucu sebagai tempat tinggal.
5. Bisa Dijadikan Agunan
Jika membutuhkan pinjaman ke bank, produk properti bisa dijadikan sebagai agunan atau jaminan.
Bahkan, aset properti akan dihargai lebih tinggi ketimbang jaminan lainnya.
Cara Investasi Properti
1. Kumpulkan Dananya Terlebih Dahulu, Pakai Uang Dingin
Foto: Pixabay
Investasi itu sebaiknya menggunakan uang dingin, uang yang tidak akan digunakan dalam jangka waktu pendek.
Pastikan bukan uang yang digunakan untuk makan, untuk keperluan sehari-hari, dan dana darurat.
Selain itu, sebelum masuk ke tahapan investasi, pastikan Anda sudah memiliki dana darurat yang cukup untuk hidup setidaknya 6-12 bulan ke depan, dan asuransi sebagai proteksi.
Setelah dana darurat dan proteksi terpenuhi, barulah bisa mulai berinvestasi.
Jika investasi properti dirasa terlalu berisiko, sebaiknya jangan memaksakan. Pilih dulu investasi yang risikonya rendah, seperti deposito atau reksa dana pasar uang.
Investasi itu harus sesuai dengan profil risiko pribadi.
2. Riset Soal Investasi Properti
Jika dana investasi properti sudah terkumpul, Anda jangan terburu-buru untuk langsung berinvestasi.
Riset dulu beberapa hal penting terkait investasi properti, di antaranya:
Lokasi properti, termasuk kondisi pasar dan infrastruktur;
tujuan investasi, apakah untuk penyewaan atau penjualan;
jenis properti, rumah tinggal atau komersial;
tingkat pertumbuhan ekonomi;
pajak dan regulasi properti;
tren pasar properti; dan
risiko investasi serta diversifikasi portofolio.
3. Menyewakan Properti
Jika ingin menyewakan properti, pastikan Anda memilih properti yang kondisinya baik.
Kondisi tersebut bisa terlihat dari fisik bangunan, suplai air, suplai listrik, dan desainnya. Semakin baik kondisinya, tentu penyewa akan semakin berminat.
Selain itu, bisa memilih properti yang fasilitasnya lengkap, mulai dari adanya carport, sistem keamanan, hingga taman.
Lokasi juga menjadi aspek yang mesti dipertimbangkan. Pastikan propertinya dekat dengan fasilitas publik, seperti pusat perbelanjaan, akses transportasi, layanan kesehatan, dan pusat pendidikan.
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Alesha House at Vanya Park adalah salah satu properti yang menarik untuk dibeli, kemudian disewakan kembali.
Itu karena propertinya berbentuk rumah kos eksklusif. Jadi, kamu bisa membeli propertinya, kemudian menyewakannya per unit untuk mendapatkan passive income menggiurkan.
Untuk fasilitasnya, di Alesha House terdapat mobil golf, rasio parkir 1: 1 (terpisah dari rumah), club house Vanya Park dengan kolam renang, shuttle bus, dan Danau Vanya Park.
Setelah membeli aset yang bisa disewakan, Anda bisa memasang iklan sewa di Rumah123. Iklan properti akan tampil di halaman pencarian berdasarkan tipe propertinya, seperti:
Pemasaran properti melalui situs jual-beli properti terhitung menguntungkan. Pasalnya, properti yang Anda pasarkan bisa sampai kepada target audiens yang sesuai.
6. Layani Calon Penyewa dan Pembeli hingga Transaksi
Foto: Prostock-studio via Canva Pro
Ada yang berminat menyewa atau membeli properti Anda? Silakan layani mereka dengan sungguh-sungguh, ya.
Namun tentu saja, Anda juga mesti meningkatkan kewaspadaan. Pasalnya, bukan tidak mungkin ada penipu yang pura-pura akan membeli properti.
Namun jika calon penyewa dan pembeli itu tidak ada niat jahat, Anda bisa melayaninya, mulai dari menemani visit unit hingga transaksi.
Apabila bingung dengan proses ini, Anda bisa bertanya kepada agen properti tepercaya yang telah terverifikasi di Rumah123.
Rekomendasi Produk Investasi Properti
Di bawah ini, Rumah123 telah merangkum sejumlah rekomendasi produk investasi properti. Namun tentu saja, ini bukan saran yang wajib diikuti oleh Anda.
Keputusan investasi memiliki risikonya tersendiri. Karena itu, segala keputusan investasi tetap berada di tangan Anda sebagai investor.
Berikut adalah rekomendasi produk investasi properti pilihan kami.
1. The Nove
The Nove adalah properti berkonsep resort yang berada di Batam.
Nilai propertinya akan terus meningkat karena Batam menjadi tujuan wisata terbesar di Indonesia setelah Bali.
Itu karena lokasi Batam strategis dekat ke Singapura dan Malaysia, serta memiliki sederet tempat wisata menakjubkan, mulai dari pantai, wisata belanja, dan fasilitas hiburan.
The Nove berada di Nuvasa Bay, townhsip terbesar di Batam yang dikelilingi garis pantai 1,2 kilometer dan lapangan golf 27 hole.
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Selain itu, The Nove menawarkan pemandangan keindahan laut, hutan bakau, dan padang golf yang akan memanjakan mata.
Fasilitas yang ditawarkan juga terhitung lengkap, seperti kolam renang, trek lari, pusat kebugaran, dan area BBQ.
Jika tertarik berinvestasi properti di The Nove, Anda bisa menyiapkan bujet mulai dari Rp692 jutaan saja untuk unit apartemen dan Rp1,6 miliar untuk rumah tapak.
2. The Elements
The Elements merupakan apartemen di pusat Jakarta yang lokasinya dekat ke mana-mana.
Alamat lengkap apartemen ini berada di Jalan Epicentrum Tengah, Rasuna Epicentrum, Jakarta Selatan.
Nilai propertinya tinggi karena hanya 5 menit dari Epiwalk Mall, 20 menit dari Gerbang Tol Kuningan 1, 10 menit dari Stasiun Gambir, dan 5 menit dari Rumah Sakit MMC.
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Setiap unitnya dirancang secara mewah, dengan material dari merek kelas atas. Sehingga, Anda bisa merasakan hidup eksklusif jika tinggal di The Elements.
Untuk fasilitasnya, di The Elements terdapat kolam renang, pusat kebugaran, spa, sauna, Jacuzzi, taman bermain anak, perpustakaan, dan trek lari di kawasan Epicentrum.
Adapun harga unit The Elements mulai dari Rp4,1 miliar.
3. New Alesha
New Alesha merupakan properti berkonsep dorm villa, di mana pada setiap delapan unit terdapat satu kolam renang.
Properti karya Sinar Mas Land ini cocok dibeli untuk kemudian disewakan kembali dengan target mahasiswa atau pekerja.
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Apalagi, fasilitas yang ditawarkan New Alesha termasuk lengkap, mulai dari mobil golf, rasio parkir 1: 1 (terpisah dari rumah), club house Vanya Park dengan kolam renang, dan shuttle bus.
Untuk lokasinya, New Alesha hanya 15 menit dari Sekolah IPEKA, 15 menit dari BINUS, dan 7 menit dari Universitas Prasetiya Mulya.
Jadi, itu dia pemaparan seputar investasi properti yang menguntungkan dan aman.
Sudah siap terjun jadi investor properti?
Diskusi investasi properti di Teras123! Ruang untuk kamu ngobrolin properti.
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