Property investment is still the first choice to secure long -term assets. Investment property is profitable because the price tends to rise over time, especially if the location is strategic. For those who just want to buy the first house, this could be the first step in building a property portfolio. But don’t just buy – need market research, calculate the budget, and understand long -term needs. This article will give practical tips so that your property investment is not just a trend, but really generates profits. Come on, see more!
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Get to know the potential for profitable property investment
Property investment has a big profit potential, but not everyone understands how to maximize it. One of the advantages of profitable investment property is the value of assets that tend to rise in the long run, especially in developing locations such as near the city center or access to strategic transportation. According to Bank Indonesia, property prices in Indonesia grow on average 3-5% per year-more stable than other instruments such as stocks or crypto.
What makes the property attractive is that you can get two sources of income: capital gain (rise in selling prices) and passive income from rent. For example, buy a house at a well -known campus, then rent to students. Or buy a shop in a commercial area with high demand. But remember, location research is mandatory! Check the trend of regional development through BPS data or ask directly to local property agents who understand the market.
Don’t forget, property can also be a hedging tool (hedge) against inflation. When the price of goods rises, property value usually crawls. Plus, there are tax benefits such as UN incentives for certain properties. In essence, learn first the ins and outs so that your investment does not just go along, but really Cuan!
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Tips for choosing a strategic location for the first house
The location is everything in buying the first house – not only a matter of price, but also the potential for rising value and comfort of life. First, check transportation access. Near the Toll, Station, or Transjakarta Stop? That’s a large plus. According to the Ministry of PUPR, regions with new infrastructure usually experience an increase in property prices of 10-30% in 5 years.
Second, observe the development of the territory. Areas that are more government projects (such as IKN Nusantara) or private (malls, campuses, hospitals) are usually promising. But don’t be tempted by cheap prices in the middle of rice fields – unless you are sure you will be a city center in 10 years.
Third, pay attention to the safety and supporting facilities. Is there a 24 -hour minimarket? The nearest Puskesmas? Good school in a radius of 3 km? This is very affected to the quality of daily life. Check crime data on the Polri site if necessary.
Finally, the “market” test location before buying. Try to come at rush hour (morning/evening) to measure traffic or noise. Also visit the nearest mall – if it’s quiet, it could be a sign of the purchasing power of the surrounding community. Remember, the first house should make your life easier, not a burden because of the wrong choice of location!
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How to calculate property investment profits
Admit, many who buy property are only feeling capital without clear calculations. In fact, the advantage of property investment can be measured using a simple formula. First, count Capital Gain (Fortunately from the increase in selling prices). For example, buying a house of Rp500 million, 5 years later it sells Rp.800 million. Gross profit = Rp. 300 million. But don’t forget to reduce costs such as taxes (BPHTB), renovations, or agents fees.
Second, the property is for rent, count Yield (Returns Rental). Formula:
(Annual Rental Revenue ÷ Property Purchase) x 100%
Example: Rent Rp10 million/month (Rp120 million/year) ÷ Purchase Price Rp1.5 billion = 8% Yield per year. Compare with deposits that are only 3-5%.
Third, consider Hidden costs like:
- Annual Tax (PBB)
- Maintenance costs (2-5% property value/year)
- Empty (vacancy rate) when there are no tenants
Cool tools for simulations:
- Property Investment Calculator [Bank Indonesia](https: //www.bi.go 2
- ROI Calcling Applications such as PropertyMetrics
Pro Tip: Don’t forget inflation! Property prices may rise 5%, but if inflation is 3%, your real profit is only 2%. Calculate ripe so that it doesn’t just “fortunately paper” but really cuan in hand.
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Avoid common mistakes when buying the first house
Buy the first house is emotional – many who immediately fall in love with design or location, but forget to check important details. Here are the traps that often make regret later:
1. Failure to survey the environment
Don’t just come on a broad day weekend. Visit Locations in Busy hours (check traffic), evening (Isn’t it safe?), and rainy season (Flood or not?). Flood historical data can be checked in the BMKG flood information system.
2. Too focused on the physical building
The beautiful wall is meaningless if:
- Problematic certificate (check to BPN)
- There is a inheritance dispute
- IMB is not clear
3. TRANS
“Hits a mini apartment hits!” Ask yourself:
- Is it suitable for your lifestyle?
- Is there a monthly maintenance fee that doesn’t think?
- The market is competitive or oversupply?
4. Wrong Calculate Additional Fees
Dp money is only 20%? Eits, still there:
- Tax (BPHTB)
- Notary Public
- Credit costs (insurance, appraisal)
5. Directly sign the AJB without reading details
Special clauses such as:
- KPR Development Fines
- The deadline for repayment
- Bank retention rights
Use a 3 -day grace period for consultation with legal experts (this has a list of property lawyers). Remember, the first house should make it calm, not a source of new problems!
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Effective property price negotiation strategy
Negotiations in property prices are art-if originally from Nawar, it might be kicked by a broker. This is a trick from the palace commonly used by professional agents:
1. First market price research
Don’t feel about feeling capital. Check:
- Price per meter in the area via Rumah123 or OLX Properti
- Compare with NJOP at SISMIOP BPN
- Asked neighbors about the last transaction price
2. Find “reasons” for bargaining
Don’t say “Very expensive!”, But show facts like:
- The roof needs to replace (use a surveyor report if necessary)
- The market is quiet (data from Rei)
- There is a toll road project that will be noisy
3. Offer a fast deal
Sellers often prefer the price a little cheaper if the buyer:
- Pay cash
- Don’t use KPR (process faster)
- Can hand over this month
4. Play psychology
- Said “I budget this much, but if you can RPX, I immediately process today”
- Don’t show excessive enthusiasm
- Bring Cash Money Survey During “Psychological Trigger”
5. Take advantage of the right time
The end of the month/month of fasting is usually a more flexible seller because it requires fast liquidity.
Pro Tip: If you can’t negotiate the price, ask for a bonus such as:
- Existing furniture
- The notary fee is borne by the seller
- Free of 1 year maintenance cost
Remember, the reasonable price is when both parties are rather uncomfortable – meaning the deed is fair!
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Take advantage of a mortgage for the first house purchase
KPR (Home Ownership Credit) is a two -edged knife – can help have the first house faster, but it could be a trap if you don’t understand the rules of the game. This is a smart way to take advantage of the mortgage so it doesn’t become a burden:
1. Select the Special KPR Program First Home Buyer
- Bank Indonesia has FLPP for low DP (1-5%)
- Private banks often have the first 2 year fixed rate promo
- Flower subsidies for MSMEs via KUR
2. Calculate the ability to pay
Don’t let installments eat 40% of salary. Use the formula:
(Total stable income – mandatory expenditure) x 30%
Example: Salary of IDR 10 million – IDR 4 million (rent+electricity+school) = IDR 6 million x 30% = maximum installment IDR 1.8 million/month
3. Take advantage of a rarely used mortgage feature
- Take over: Take over other people’s mortgages with lower interest
- Top up: Add ceiling for renovation (usually up to 80% of collateral values)
- Grace Period: Postpone installments 3-6 months for the new resign
4. Avoid flower traps
Floating flowers after fixed period can rise dramatically. Check:
- Historical interest increase in
What has been discussed, the point is only one: research first before spending money. Understand the location, calculate the hidden costs, and make sure the legality is clean. Don’t be in a hurry even though the agent says “This is the last you know!”. The property is a long -term investment, so the right decision today will make you calm down the next 10 years. Now just the action!
