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Untung Rugi Membeli Rumah Subsidi yang Perlu Diperhatikan
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Terakhir diperbarui 25 Nopember 2024 · 5 min read · by Septian Nugraha

Keuntungan Rumah Subsidi

Membeli rumah subsidi menjadi opsi terbaik bagi Masyarakat Berpenghasilan Rendah (MBR) untuk mendapatkan hunian yang layak.

Seperti diketahui, rumah subsidi adalah hunian yang dibeli dengan skema Kredit Pemilikan Rumah (KPR) bersubsidi. 

Adapun KPR bersubsidi adalah program pemerintah melalui Kementerian PUPR, untuk mempermudah MBR mendapatkan rumah layak huni dengan harga terjangkau. 

Pada prosesnya, ada sejumlah subsidi atau bantuan yang disuntikan pemerintah bagi masyarakat yang mengajukan KPR bersubsidi. 

Bantuan yang diberikan, meliputi: 

Inilah Untung Rugi Membeli Rumah Subsidi

Meski bentuk-bentuk subsidi rumah ada banyak, tidak sedikit orang yang masih ragu untuk membeli rumah subsidi.

Padahal, ada banyak pula keuntungan rumah subsidi yang bisa diterima masyarakat. 

Nah, jika Anda masih ragu untuk membeli rumah subsidi, berikut beberapa keuntungan yang bisa dipertimbangkan.

Simulasi Kemampuan KPR

Cari tahu kemampuan cicilan KPR berdasarkan penghasilan.

Rp /bulan
Tahun
Hasil Simulasi
Harga Properti Maksimal Rp. 3.673.377.053
Angsuran maksimal yang disarankan Rp. 30.000.000
Uang muka yang harus disiapkan Rp. 734.675.411
*Hasil berdasarkan suku bunga terendah di Rumah123, dan asumsi kamu tidak memiliki cicilan bulanan lain yang berjalan saat ini.

Keuntungan Rumah Subsidi

1. Harga dan Cicilan Terjangkau

Harga Sangat Murah

Rata-rata harga rumah subsidi berkisar antara Rp166–230 juta-an. 

Karena harga jualnya murah, cicilan kredit rumahnya pun relatif terjangkau. 

Cicilan kredit rumah subsidi menerapkan skema suku bunga KPR tetap atau fixed rate sebesar 5%. 

Misalnya, Anda membeli rumah subsidi seharga Rp200 juta dengan uang muka Rp2 juta (1% dari harga rumah). 

Maka itu, kisaran jumlah cicilan yang harus dibayarkan adalah sekitar Rp1,3 jutaan per bulan, hingga berakhirnya tenor pinjaman

2. Tenor Pinjaman Panjang

Keuntungan lain membeli rumah dengan KPR bersubsidi adalah tenor pinjaman panjang hingga 20 tahun. 

Apabila Anda berstatus Pegawai Negeri Sipil (PNS), Anda bisa mengajukan KPR Tapera dengan tenor pinjaman hingga 30 tahun. 

Akan tetapi, program KPR Tapera ini diprioritaskan bagi mereka yang berstatus PNS dengan gaji maksimal Rp8 juta hingga Rp10 juta.

Tebus Rumah - Harga Miring

3. DP Rendah

Selain harga rumah murah dan cicilan rendah, keuntungan rumah subsidi lainnya adalah uang muka yang terjangkau. 

Masyarakat yang mengajukan KPR subsidi tidak perlu menyiapkan dana belasan hingga puluhan juta untuk mendapatkan rumah idaman. 

Uang muka rumah subsidi ditetapkan mulai dari 1% dari total harga jual rumah.

Jadi, jika membeli rumah subsidi seharga Rp200 juta, Anda cukup menyiapkan uang muka sebesar Rp2 juta. 

Baca juga:

7 Aturan Renovasi Rumah Subsidi sesuai Kebijakan Pemerintah

4. Bebas PPN

Dengan membeli rumah subsidi, Anda tidak perlu membayar Pajak Pertambahan Nilai (PPN) rumah.

Pasalnya, rumah subsidi tergolong rumah sangat sederhana. 

Merujuk Peraturan Menteri Keuangan atau PMK No.60 tahun 2023, batasan harga rumah tapak yang diberikan pembebasan PPN adalah Rp162–234 juta.

Adapun untuk tahun 2024, bebas PPN berlaku untuk harga rumah subsidi di kisaran Rp166–240 juta sesuai zonanya.

Lihat juga: CitraIndah City

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5. Syarat Pengajuan Mudah

Persyaratannya yang Cukup Mudah

Keuntungan rumah subsidi selanjutnya adalah persyaratan pengajuan pembeliannya yang cukup mudah.

Berikut persyaratan pembelian rumah subsidi:

  • WNI berusia minimal 21 tahun;
  • Berpenghasilan tetap (maksimal Rp4 juta untuk rumah tapak dan Rp7 juta untuk rumah sejahtera susun);
  • Memiliki NPWP;
  • Mengumpulkan fotokopi SPT dan PPh;
  • Tidak memiliki rumah pribadi; dan
  • Belum pernah mendapatkan subsidi dari pemerintah untuk proses kepemilikan rumah.

6. Pengembang Tepercaya

Tidak sembarang pengembang bisa menjadi developer rumah subsidi, sebab mereka harus mengantongi izin dari pemerintah untuk mengembangkan perumahan tersebut. 

Maka itu, pemerintah juga hanya menjalin kerja sama dengan pengembang yang memiliki rekam jejak yang baik dalam proses pengerjaannya.

Lihat juga: Socia Garden Karawang

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7. Kualitas Bangunan Lebih Baik

Meski dibanderol dengan harga murah, rumah subsidi tetap dibangun sesuai standar. 

Pasalnya, syarat wajib yang harus dimiliki pengembang untuk membangun hunian dari pemerintah ini adalah memiliki Sertifikat Laik Fungsi (SLF).

Fungsi SLF adalah sebagai penunjang keamanan bangunan atau menyatakan bahwa bangunan tersebut aman.

Dengan adanya SLF, calon pembeli tidak perlu khawatir mengenai kualitas bangunan dan pelayanannya.

Selain itu, sudah banyak perumahan subsidi yang memiliki fasilitas memadai, mulai dari aliran listrik, air bersih hingga drainase yang baik.

Rumah KPR bersubsidi juga dibangun dengan konstruksi dan material sesuai standar. 

Apalagi proses pembangunan perumahan tersebut dikawal dan diawasi secara ketat oleh pemerintah. 

Kekurangan Rumah Subsidi

Sama halnya dengan jenis hunian lain, rumah subsidi pun tidak luput dari yang namanya kekurangan. 

Berikut sejumlah kekurangan rumah subsidi:

1. Lokasinya di Kawasan Pinggiran

Lokasi Jauh

Meski dijual dengan harga miring, rumah subsidi biasanya berada jauh dari pusat kota.

Hal ini terbilang wajar, mengingat harga tanah di pinggiran kota relatif lebih murah dibandingkan di pusat kota.

Biasanya, lokasi pembangunan perumahan ini berada di kawasan satelit kota besar.

Karena itu, penting untuk mempertimbangkan jarak dan fasilitas umum di sekitar perumahan sebelum membeli unit.

Baca juga:

Persyaratan Terbaru & Tata Cara Over Kredit Rumah Subsidi

2. Ukuran Rumah yang Tidak Terlalu Luas

Kekurangan lain dari rumah subsidi adalah ukuran rumah yang tidak terlalu luas.

Rata-rata luas tanah rumah subsidi berukuran 60–200 meter persegi. 

Adapun untuk luas bangunannya adalah mulai dari 21–36 meter persegi. 

Luas tanah dan bangunan yang tidak terlalu besar itu, membuat rumah subsidi dikategorikan sebagai hunian sangat sederhana. 

Harga Rumah Subsidi Terbaru

Bagaimana, apakah Anda tertarik untuk membeli rumah subsidi? Jika iya, penting mengetahui harga rumah subsidi di tahun 2024.

Seperti diketahui, harga jual rumah subsidi mengalami perubahan pada awal tahun ini.

Per 1 Januari 2024, pemerintah resmi menaikkan harga jual rumah bersubsidi. 

Namun, kenaikannya tidak signifikan, sehingga harga rumah tersebut tergolong masih sangat terjangkau. 

Agar lebih jelas, inilah daftar harga rumah subsidi 2024:

  • Wilayah Jawa (kecuali Jakarta, Bogor, Depok, Tangerang, Bekasi) dan Sumatra (kecuali Kepulauan Riau, Bangka Belitung, Kepulauan Mentawai) harga jualnya menjadi Rp166 juta.
  • Wilayah Kalimantan (kecuali Kabupaten Murung Raya dan Kabupaten Mahakam Ulu) harga jualnya menjadi Rp177 juta.
  • Wilayah Sulawesi, Bangka Belitung, Kepulauan Mentawai, dan Kepulauan Riau (kecuali Kepulauan Anambas) harga jualnya menjadi Rp173 juta.
  • Wilayah Maluku, Maluku Utara, Bali dan Nusa Tenggara, Jabodetabek (Jakarta, Bogor, Depok, Tangerang, Bekasi), Kepulauan Anambas, Kabupaten Murung Raya, dan Kabupaten Mahakam Ulu harga jualnya menjadi Rp185 juta.
  • Wilayah Papua, Papua Barat, Papua Tengah, Papua Pegunungan, Papua Barat Daya dan Papua Selatan harga jualnya menjadi Rp240 juta.

Itulah sejumlah untung rugi membeli rumah subsidi yang harus diketahui.

Punya pertanyaan lain seputar properti? Yuk, diskusikan di Teras123!

Semoga informasi ini bermanfaat.

Tahapan Selanjutnya

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Simulasi KPR

Hitung pembiayaan kredit rumah dengan bunga KPR terbaik di Rumah123

Rp
%
Rp
Angsuran/bulan mulai dari
Tahun ke-1
Bunga 2.75%
Rp. 1.107.146
Tahun ke-2 dan seterusnya
Estimasi Bunga 12%
Rp. 2.473.122

Simulasi KPR Syariah

Hitung pembiayaan KPR syariah dengan rekomendasi bank terbaik di Rumah123

Rp
%
Rp
Angsuran/bulan mulai dari
Tahun ke 1 dan seterusnya
Margin 9%
Rp. 2.434.240

Bunga KPR Terbaru

Beli properti impian dengan memilih produk KPR terbaik di Rumah123

Bank BRI
Bank BRI
Suku bunga mulai dari2.75%
Tenor Max.25 Tahun
BFI Finance
BFI Finance
Suku bunga mulai dari7.92%
Tenor Max.15 Tahun
Bank DKI
Bank DKI
Suku bunga mulai dari3.97%
Tenor Max.25 Tahun