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5 Biaya Bulanan Apartemen yang Wajib Diketahui Calon Penghuni
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Terakhir diperbarui 05 Nopember 2024 · 4 min read · by Septian Nugraha

biaya bulanan apartemen

Punya keinginan untuk tinggal di apartemen? Jika iya, setidaknya kamu wajib mengetahui berapa biaya bulanan apartemen yang harus dibayarkan. 

Saat ini, tinggal di apartemen telah menjadi tren di kalangan masyarakat urban karena menawarkan gaya hidup yang praktis. 

Pasalnya, apartemen memiliki keunggulan, mulai dari fasilitas lengkap dan lokasi terjangkau sehingga apartemen dianggap layak untuk dijadikan hunian.

Bahkan, apartemen juga cocok dijadikan sebagai instrumen investasi jangka panjang, seperti pada apartemen EleVee Condominium, Landmark Residence, dan Klaska Residence.

Namun, untuk tinggal di apartemen, kamu harus menyiapkan sejumlah biaya bulanan apartemen. 

Tentu saja, biaya itu tidak termasuk uang sewa atau uang beli apartemen tersebut. 

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Lantas, apa saja biaya bulanan apartemen yang harus dibayarkan penghuni?

Berikut rincian biaya tinggal di apartemen yang penting diketahui.

Daftar Biaya Bulanan Apartemen

Biaya bulanan tinggal di apartemen terdiri dalam sejumlah aspek, mulai dari Iuran Pengelolaan Apartemen (IPL) hingga sinking fund

Berikut penjelasan dan simulasi perhitungan biaya-biaya tersebut. 

1. Iuran Pengelolaan Apartemen (IPL)

Iuran Pengelolaan Apartemen atau IPL merupakan salah satu biaya tinggal di apartemen yang wajib dibayar oleh penghuni setiap bulannya. 

Biaya ini meliputi pembayaran perawatan instalasi air, listrik, gas, dan engineering.

Tebus Rumah

Selain itu, ada pula biaya penggantian dan perawatan untuk peralatan yang ada di apartemen, seperti AC, lift, dan eskalator.

Jika ingin mengetahui biaya IPL, kamu bisa menghitung secara mandiri dengan rumus berikut:

  • Tarif dasar IPL x ukuran unit per m²

Kita ambil contoh unit apartemen 2BR seluas 36 m²:

  • Tarif dasar IPL: Rp30.000 per bulan
  • Luas apartemen: 36 m²
  • Rp30.000 x 36 m² = Rp1.080.000

Dari hitungan di atas, bisa diketahui kalau biaya IPL apartemen per bulannya adalah Rp1,08 juta.

2. Sinking Fund Apartemen

sinking fund apartemen

Sinking fund adalah biaya pemeliharaan fasilitas yang rusak dengan skala kerusakan ringan, termasuk perpanjangan izin gedung.

Terkait besaran tarifnya berbeda di setiap apartemen, tetapi umumnya dipatok sebesar Rp100.000 hingga Rp200.000.

3. Tagihan Listrik, Air, dan Internet

IPL tidak termasuk biaya tagihan listrik, air, dan internet sehingga ketiga komponen tersebut menjadi tanggungan wajib lain bagi penghuni apartemen. 

Biaya listrik apartemen per bulan tentu saja bervariasi, tergantung pemakaian.

Namun, rata-rata bisa mencapai Rp500.000 sampai Rp1.000.000 per bulan. 

Klaska-Residence-Surabaya

Sedangkan biaya pemakaian air apartemen, tarifnya mencapai Rp100.000 sampai Rp350.000, tergantung penggunaan.

Jika Anda menggunakan layanan air dari provider tertentu, maka akan ada beban tagihan yang harus dibayarkan, yakni sekitar Rp250.000.

Rata-rata apartemen di kota-kota besar menyediakan akses WiFi, yang juga masuk ke dalam biaya bulanan apartemen.

Kisaran biaya internet paling murah adalah Rp290.000, belum termasuk biaya pemasangan. 

Tarif pemasangan internet berkisar Rp75.000 sampai Rp100.000 ditambah PPn 11 persen.

Ingat, ketiga biaya di atas wajib ditanyakan saat kamu melakukan survei apartemen.

4. Biaya Laundry

biaya laundry apartemen

Beberapa apartemen juga menyediakan jasa laundry, yang juga masuk dalam hitungan biaya bulanan apartemen yang harus ditanggung penghuni. 

Perhitungan jasa laundry umumnya kiloan, mulai dari Rp8.000–10.000 per kilogram. 

Apabila tinggal sendiri, diperkirakan biaya cuci per bulan mencapai Rp100.000.

5. Biaya Parkir

Jika kamu bertanya, apakah biaya parkir apartemen gratis? Jawabannya bisa iya atau tidak.

Sebagian apartemen membebaskan biaya parkir untuk satu kendaraan, tetapi kebanyakan sudah menentukan tarif per bulannya.

Kisaran biaya yang perlu dikeluarkan untuk parkir di apartemen adalah Rp100.000–200.000 untuk motor, serta Rp250.000–300.000 untuk mobil.

Baca Juga: 9 Rekomendasi Apartemen Jakarta Pet Friendly Mulai dari 400 Jutaan

Rincian Total Biaya Bulanan Apartemen

Total Biaya Bulanan Apartemen

Itulah beberapa biaya bulanan apartemen yang harus ditanggung para penghuni. 

Komponennya memang cukup banyak, tetapi tidak akan memberatkan jika kamu sudah membuat perhitungan secara matang. 

Agar lebih mudah memahami perhitungan biaya bulanan apartemen, kamu dapat menyimak simulasi perhitungannya di bawah ini. 

Sebagai contoh, pasangan muda di Surabaya memiliki gaji masing-masing sebesar Rp8.000.000 dan Rp11.000.000, sehingga jika ditotal Rp19.000.000.

Mereka menabung selama 4 tahun dengan menyisihkan tabungan 30%, lalu sepakat membeli apartemen 1BR di Klaska Residence dengan harga Rp500 juta.

Lalu, mereka mengajukan KPA dan membayar DP 50%, dengan cicilan per bulan sekitar Rp3.463.679 selama tahun ke-2 sampai ke-10.

Karena pihak P3SRS tidak menanggung semua kerusakan–termasuk perabot, maka mereka pun mengasuransikan apartemen dan perabotannya.

Biaya premi asuransi apartemen memiliki perhitungan sendiri, yakni:

  • Nilai Apartemen: Rp500.000.000 (bangunan dan isi)
  • Rate: 0.2486%
  • Premi: Rp500.000.000 x 0.2486% = Rp1.243.000

Simulasi Take Over KPR

Isi detail KPR awalmu, dapatkan rekomendasi program KPR yang lebih hemat

Rp
Tahun
Bulan
%
Tahun
Sudah masuk masa floating, estimasi bunga 12%

Plafon Awal KPR

Total pinjaman yang disepakati saat akad KPR. Kamu bisa cek di aplikasi bank atau hubungi langsung bank KPR kamu saat ini.

Biaya Lain KPR Take Over

Terdapat beberapa biaya yang dikenakan saat mengajukan KPR Take Over bank lama ke baru. Beberapa biaya yang dikenakan bisa berbeda-beda dan tergantung dari kebijakan bank masing-masing. Biaya tersebut antara lain:

Biaya Penalti

Biaya penalti merupakan sanksi denda yang dikenakan jika melunasi KPR lebih cepat dari tenor yang seharusnya. Biaya penalti bisa diketahui dari perjanjian awal pada saat akad dilakukan.

Biaya Appraisal

Biaya apprasial yang dikenakan saat mengajukan KPR Take Over untuk menaksirkan harga properti.

Biaya Administrasi/Proses

Biaya administrasi/proses yang dikenakan bank saat memindahkan KPR bank lama ke baru

Biaya Provisi

Biaya yang harus dibayarkan di awal dan dipotong otomatis di awal saat mengajukan KPR Take Over

Biaya Notaris

Biaya untuk notaris memproses pengalihan pinjaman KPR dari bank lama ke bank baru

Biaya Cek dan Validasi Sertifikat

Biaya pengecekan dan validasi sertifikat properti

Hal selanjutnya adalah menghitung total biaya tinggal di apartemen per bulannya.

Untuk biaya bulanan apartemen Surabaya, berikut kisarannya:

  • Cicilan apartemen: Rp3.463.679
  • Biaya premi: Rp1.243.000
  • IPL apartemen: Rp250.000
  • Sinking fund apartemen: Rp150.000
  • Biaya listrik apartemen per bulan: Rp500.000
  • Iuran air per bulan: Rp175.000,00
  • Biaya internet: Rp350.000
  • Parkir: Rp175.000.

Berdasarkan hitungan di atas, maka total biaya tinggal di apartemen mencapai Rp6.306.679 per bulan.

Perlu diingat, biaya di atas bergantung pada beberapa faktor.

Biaya bulanan apartemen Jakarta dan biaya bulanan apartemen Surabaya tentu berbeda.

Nah, itu dia informasi mengenai biaya bulanan apartemen yang bisa Anda jadikan referensi sebelum pindah ke apartemen.

Jangan lupa, sebelum memutuskan pindah ke apartemen, pertimbangkan dulu biaya-biaya di atas. 

Punya pertanyaan seputar properti? Ngobrol yuk di Teras123!

Semoga bermanfaat.

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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