Harga rumah di Amerika, terutama di bagian California Utara (Silicon Valley dan sekitarnya) mengalami peningkatan harga yang cukup tinggi sejak resesi 10 tahun yang lalu. Selain, kemampuan pembeli lebih besar daripada persediaan rumah yang ada, hal itu juga di dukung pula oleh kondisi ekonomi yang stabil.

Banyak pendatang dari berbagai belahan dunia yang bekerja di perusahaan technology di Amerika Utara dan memulai kehidupan berkeluarga menyadari adanya kebutuhan papan yang tidak bisa di remehkan. Hal ini dikarenakan harga sewa apartment atau rumah yang cukup tinggi dan tiap tahun harga sewa apartment/rumah yang terus meningkat.

Untuk generasi muda umumnya (yang lahir sekitar tahun 1980-an sampai 2000) lebih  memilih untuk menyewa apartment, selain karena tidak pusing memikirkan tanggung jawab untuk memelihara rumah, juga karena kurangnya pengetahuan untuk investasi jangka panjang dalam bidang property.

Sebelum kita membahas lebih lanjut, sebaiknya kita menyadari apa saja keuntungan memiliki rumah dan kerugian  sewa rumah/apartment. Perbandingan di bawah hanya secara garis besar saja.

Membeli rumah   Sewa Rumah/Apartment
Ketika harga rumah naik, maka nilai rumah yang di miliki pun naik. Artinya nilai investasi pun naik (equity gain is received)

 

ketika nilai rumah meningkat, penyewa tidak pernah mendapatkan keuntungan peningkatan nilai rumah (no equity gain is received)
Kebebasan untuk mendekorasi dan memperbaiki (Freedom)

 

keterbatasan kebebasan menata atau mendekorasi rumah (no freedom)
Kebebasan dan kebanggaan tersendiri Harus patuh terhadap aturan sewa (keterbatasan dalam hal2 tertentu), misalnya ga boleh ada party.

 

Mendapatkan keuntungan pajak (interest mortgage and property tax) Sebagai penyewa, tidak mendapatkan keuntungan dalam pajak (no tax breakage advantage)

 

memiliki rumah = investment jangka panjang Sebaliknya  Pemilik rumah/apartment (Landlord) mendapatkan keuntungan dalam pajak

 

Pembayaran mortgage yang sama jumlahnya selama 30 tahun (tergantung dari pilihan)

 

Harga sewa yang naik terus setiap tahunnya (rent never decreases)
Di miliki tanpa batasan selama belum di jual atau di alihkan Keterbatasan pemilikan – kalau pemilik memutuskan untuk tidak akan di sewakan lagi, artinya penyewa harus keluar dalam jangka waktu yang telah di setujui oleh kedua belah pihak

 

Pertanyaan selanjutnya yang sering saya terima  : apakah saya mampu membeli rumah di California Utara ini untuk keluarga saya atau sebaiknya saya sewa apartment saja?

Sering kali saya menemukan calon pembeli yang tidak mengetahui apa yang harus mereka siapkan dan harus mereka perhatikan sebelum mereka siap bersaing dalam proses membeli rumah.

Dalam kondisi  permintaan yang masih tinggi di pasaran sekarang ini, pembeli sebaikanya bekerja sama dengan realtor untuk mendiskusikan dan membuat strategy. Karena itu adalah hal yang paling dasar agar tidak buang buang waktu mengunjungi open house tanpa tujuan dan hasil yang jelas.

Secara umum, di sarankan kepada setiap yang berminat membeli rumah:

  1. Apakah anda (dan pasangan anda) telah memutuskan untuk membeli rumah? (decide to buy)
  2. Apakah ada sudah mengetahui seberapa kemampuan ekonomi anda untuk mencicil rumah dan tetap mendapatkan gaya hidup yang layak seperti yang anda inginkan (determinate what you can afford)
  3. Setelah mengetahui kemampuan ekonomi, langkah selanjutnya membuat daftar apa yang anda inginkan/miliki dalam rumah anda (make a list of your wants and needs)
  4. Setelah anda tau apa yang anda inginkan, mulailah dengan mencari mencari rumah dan kunjungi rumah yang ada targetkan dengan bantuan dari agent yang terpercaya (Begin your home search with you trusted agent)
  5. Setelah anda menemukan rumah yang anda suka, sebaiknya secepatnya anda mengajukan offer (write the offer and let your agent negociate)
  6. Ketika tawaran/offer anda di terima oleh si penjual, segeralah melakukan inspeksi rumah yang tujuannya beragam tapi yang utama adalah untuk keuntungan anda. Agent anda akan membantu anda dalam proses ini (Conduct home inspection)
  7. Tutup transaksi penjualan secara mulus dan benar (Close the transaction smoothly and successfully)

Pada edisi selanjutnya saya akan membahas satu persatu point di atas lebih mendalam.

Silakan kontak pada nomer 1-408-359-4998 untuk mendapatkan konsultasi gratis baik untuk membeli atau menjual rumah/investment property.

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