URBANCITY.CO.ID – Saat ini semua proyek properti menawarkan aneka promo untuk memikat konsumen. Salah satu bentuk promo itu adalah free aneka biaya. Jadi, harga rumah yang dipasarkan developer sudah all in, termasuk biaya kredit pemilikan rumah (KPR) bila pembelian rumah menggunakan KPR dari bank.
Promo ini menarik karena selama ini banyak orang suka luput mencermati aneka biaya tersebut saat membeli rumah baru di proyek real estate. Padahal, nilainya gede. Apalagi kalau ditambah bea dan pajak, nilainya lebih gede lagi.
“Sebuah perumahan mengiklankan rumah Rp500 jutaan, di perumahan lain harga rumah setara dipasarkan Rp600 jutaan all in. Orang cenderung fokus ke rumah yang Rp500 jutaan. Padahal setelah ditambah biaya-biaya, harganya justru lebih mahal daripada yang Rp600 jutaan,” kata Andy K Natanael, pakar marketing properti dari ProLab School of Property, dalam sebuah acara peluncuran proyek perumahan baru di Bekasi baru-baru ini.
Dewi Damajanti Widjaya, mortgage banker dari sebuah bank swasta besar di Jakarta menyatakan dalam sebuah wawancara beberapa waktu lalu, biaya pembelian rumah cukup besar. Biaya KPR saja mencapai 4-5% dari harga rumah. Misalnya, untuk rumah dengan uang muka Rp50 juta, biayanya bisa mencapai Rp10 juta.
Itu belum termasuk bea dan pajak. Total berikut bea dan pajak, biaya pembelian rumah mencapai 20-25% dari harganya. Semuanya harus dilunasi saat membeli rumah, karena menjadi syarat jual beli dan persetujuan kredit.
Sebab itu developer sumringah saat pemerintah menggratiskan PPN pembelian rumah untuk transaksi sejak November 2023 hingga akhir 2024, karena lumayan banget mengurangi aneka biaya pembelian rumah itu.
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