');--success-svg-icon:url('data:image/svg+xml;utf8,');--info-svg-icon:url('data:image/svg+xml;utf8,');--chevron-svg-icon:url('data:image/svg+xml;utf8,');--checkbox-svg-icon:url('data:image/svg+xml;utf8,');--radiobutton-svg-icon:url('data:image/svg+xml;utf8,');--show-password-svg-icon:url('data:image/svg+xml;utf8,');--hide-password-svg-icon:url('data:image/svg+xml;utf8,');--error-svg-icon-color:var(--red-500);--success-svg-icon-color:var(--emerald-700);--info-svg-icon-color:var(--sky-500);--chevron-svg-icon-color:var(--grey-900);--checkbox-svg-icon-color:var(--grey-900);--radiobutton-svg-icon-color:var(--grey-900);--show-password-svg-icon-color:var(--grey-900);--hide-password-svg-icon-color:var(--grey-900);--bde-woo-notices__icon-size:16px;--bde-woo-notices__padding:24px;--bde-woo-notices__border-radius:4px;--bde-woo-notices__error-background:var(--red-50);--bde-woo-notices__error-text:var(--red-500);--bde-woo-notices__error-link-text:var(--red-500);--bde-woo-notices__error-link-text-hover:var(--red-500);--bde-woo-notices__info-background:var(--sky-100);--bde-woo-notices__info-text:var(--sky-500);--bde-woo-notices__info-link-text:var(--sky-500);--bde-woo-notices__info-link-text-hover:var(--sky-500);--bde-woo-notices__success-background:var(--emerald-100);--bde-woo-notices__success-text:var(--emerald-700);--bde-woo-notices__success-link-text:var(--emerald-700);--bde-woo-notices__success-link-text-hover:var(--emerald-700);--bde-woo-sale-badge__border-radius:2px;--bde-woo-sale-badge__padding:4px 8px;--bde-woo-ratings__star-color:var(--yellow-500);--bde-woo-ratings__star-size:18px;--bde-woo-ratings__filled-star-svg:url('data:image/svg+xml;utf8,');--bde-woo-ratings__empty-star-svg:url('data:image/svg+xml;utf8,');--bde-woo-product-images__border-radius:4px;--bde-woo-product-images__border-width:0px;--bde-woo-product-images__border-color:var(--grey-300);--bde-woo-wrappers__background-color:var(--white);--bde-woo-wrappers__border-radius:4px;--bde-woo-wrappers__border-color:var(--grey-300);--bde-woo-wrappers__border-width:1px;--bde-woo-wrappers__shadow:rgba(0,0,0,.05) 0 1px 3px,rgba(0,0,0,.05) 0 1px 2px;--bde-woo-tables__header-color:var(--grey-100);--bde-woo-tables__background-color:var(--white);--bde-woo-tables__border-radius:4px;--bde-woo-tables__border-width:1px;--bde-woo-widgets__chip-background-color:transparent;--bde-woo-widgets__chip-background-color-hover:var(--indigo-50);--bde-woo-widgets__chip-text-color:inherit;--bde-woo-widgets__handle-border-color:var(--grey-300);--bde-woo-widgets__handle-background-color:var(--white);--bde-woo-widgets__handle-background-color-hover:var(--white);--bde-woo-widgets__handle-shadow:rgba(0,0,0,.05) 0 1px 3px,rgba(0,0,0,.05) 0 1px 2px;--bde-woo-widgets__handle-shadow-hover:var(--grey-300) 0 0 4px;--bde-woo-widgets__remove-item-from-cart-color:var(--grey-450);--bde-woo-select2__active-item-background-color:var(--indigo-50);--bde-woo-gallery__zoom-icon-shadow:rgba(0,0,0,.05) 0 1px 3px,rgba(0,0,0,.05) 0 1px 2px;--bde-woo-payment-box-background-color:var(--grey-100);--bde-woo-payment-box-border-color:var(--grey-200);--bde-woo-payment-box-border-width:1px;--bde-woo-quicklook-button-icon:url(/wp-content/uploads/breakdance/css/icons/eye.svg);--bde-woo-quicklook-button-background-color:none;--bde-woo-quicklook-button-icon-size:20px;--bde-woo-quicklook-button-backdrop-color:rgba(0,0,0,.15);--bde-woo-quicklook-button-backdrop-opacity:.7;--bde-woo-quicklook-modal-background-color:var(--white);--bde-woo-quicklook-overlay-color:rgba(0,0,0,.7);--bde-woo-quicklook-close-button-size:2em;--bde-woo-quicklook-arrow-size:1em;--bde-woo-quicklook-arrow-color:var(--white);--bde-woo-swatch-space-between-options:10px;--bde-woo-swatch-padding:7px;--bde-woo-swatch-color-width:30px;--bde-woo-swatch-color-height:30px;--bde-woo-swatch-border:1px solid var(--grey-200);--bde-woo-swatch-border-color-hover:var(--grey-400);--bde-woo-swatch-shadow:none;--bde-woo-swatch-shadow-hover:none;--bde-woo-swatch-background:var(--white);--bde-woo-swatch-background-hover:var(--grey-50);--bde-woo-swatch-color-padding:2px;--bde-woo-swatch-tooltip-color:var(--white);--bde-woo-swatch-tooltip-background:var(--grey-900);--bde-woo-swatch-tooltip-padding:7px;--bde-woo-swatch-space-after-label:8px;--bde-woo-responsive__stack:row}:root{--bde-links-color:#480203;--bde-links-color-hover:#480203;--bde-button-primary-background-color:var(--bde-brand-primary-color);--bde-button-primary-background-color-hover:var(--bde-brand-primary-color-hover);--bde-button-secondary-border-color:var(--bde-brand-primary-color);--bde-button-secondary-border-color-hover:var(--bde-brand-primary-color);--bde-button-secondary-text-color:var(--bde-brand-primary-color);--bde-button-secondary-background-color-hover:var(--bde-brand-primary-color);--bde-button-text-text-color:var(--bde-links-color);--bde-button-text-text-color-hover:var(--bde-links-color-hover);--bde-button-font-size:var(--bde-body-font-size);--bde-form-font-size:var(--bde-body-font-size);--bde-form-input-border-top-left-radius:var(--bde-form-input-border-radius);--bde-form-input-border-top-right-radius:var(--bde-form-input-border-radius);--bde-form-input-border-bottom-left-radius:var(--bde-form-input-border-radius);--bde-form-input-border-bottom-right-radius:var(--bde-form-input-border-radius);--bde-form-input-border-top:var(--bde-form-input-border-width) solid var(--bde-form-input-border-color);--bde-form-input-border-right:var(--bde-form-input-border-width) solid var(--bde-form-input-border-color);--bde-form-input-border-bottom:var(--bde-form-input-border-width) solid var(--bde-form-input-border-color);--bde-form-input-border-left:var(--bde-form-input-border-width) solid var(--bde-form-input-border-color);--bde-form-label-color:var(--bde-headings-color);--bde-form-input-focused-border-color:var(--bde-brand-primary-color);--bde-form-input-focused-shadow:var(--bde-brand-primary-color) 0 0 2px;--bde-form-checkbox-selected-color:var(--bde-brand-primary-color);--bde-z-index-lightbox:1100;--bde-z-index-popup:1050;--bde-z-index-modal:1000;--bde-z-index-modal-backdrop:calc(var(--bde-z-index-modal) - 1);--bde-z-index-high:300;--bde-z-index-medium:200;--bde-z-index-low:100;--bde-z-index-sticky:10;--bde-z-index-minicart:var(--bde-z-index-modal);--bde-z-index-minicart-backdrop:var(--bde-z-index-modal-backdrop);--bde-z-index-menu-dropdown:var(--bde-z-index-modal);--bde-z-index-menu-mobile:var(--bde-z-index-modal);--bde-z-index-menu-backdrop:var(--bde-z-index-modal-backdrop);--bde-z-index-search-fullscreen:var(--bde-z-index-modal);--bde-z-index-back-to-top:var(--bde-z-index-high);--bde-z-index-scroll-progress:var(--bde-z-index-high);--bde-z-index-header-sticky:var(--bde-z-index-medium);--bde-z-index-header-overlay:calc(var(--bde-z-index-header-sticky) - 1);--bde-z-index-social-share-buttons:var(--bde-z-index-low);--bde-woo-base-text-color:var(--bde-body-text-color);--bde-woo-base-headings-color:var(--bde-headings-color);--bde-woo-base-primary-color:var(--bde-brand-primary-color);--bde-woo-base-primary-color-hover:var(--bde-brand-primary-color-hover);--bde-woo-base-extra-small-gaps:calc(var(--bde-woo-base-small-gaps)/var(--bde-woo-base-ratio));--bde-woo-base-small-gaps:calc(var(--bde-woo-base-space)/var(--bde-woo-base-ratio));--bde-woo-base-standard-gaps:var(--bde-woo-base-space);--bde-woo-base-medium-gaps:calc(var(--bde-woo-base-space)*var(--bde-woo-base-ratio));--bde-woo-base-big-gaps:calc(var(--bde-woo-base-medium-gaps)*var(--bde-woo-base-ratio));--bde-woo-base-large-gaps:calc(var(--bde-woo-base-big-gaps)*var(--bde-woo-base-ratio));--bde-woo-base-extra-large-gaps:calc(var(--bde-woo-base-large-gaps)*var(--bde-woo-base-ratio));--bde-woo-typography-ratio:var(--bde-font-size-ratio);--bde-woo-typography__size-small:calc(var(--bde-woo-typography__size-standard)/var(--bde-woo-typography-ratio));--bde-woo-typography__size-small-font-family:var(--bde-body-font-family);--bde-woo-typography__size-standard:var(--bde-body-font-size);--bde-woo-typography__size-standard-font-family:var(--bde-body-font-family);--bde-woo-typography__size-medium:calc(var(--bde-woo-typography__size-standard)*var(--bde-woo-typography-ratio));--bde-woo-typography__size-medium-font-family:var(--bde-heading-font-family);--bde-woo-typography__size-large:calc(var(--bde-woo-typography__size-medium)*var(--bde-woo-typography-ratio));--bde-woo-typography__size-large-font-family:var(--bde-heading-font-family);--bde-woo-typography__size-extra-large:calc(var(--bde-woo-typography__size-large)*var(--bde-woo-typography-ratio));--bde-woo-typography__size-extra-large-font-family:var(--bde-heading-font-family);--bde-woo-buttons-and-links__text-link-color:#480203;--bde-woo-buttons-and-links__text-link-color-hover:#480203;--bde-woo-buttons-and-links__nav-link-color:var(--bde-woo-base-text-color);--bde-woo-buttons-and-links__nav-link-color-hover:var(--bde-woo-base-text-on-primary-color);--bde-woo-buttons-and-links__nav-link-color-active:var(--bde-woo-base-primary-color);--bde-woo-forms__spacing-after-label:var(--bde-form-after-label);--bde-woo-forms__spacing-between-fields:var(--bde-form-gap);--bde-woo-forms__spacing-between-columns:var(--bde-woo-base-extra-large-gaps);--bde-woo-forms__labels-color:var(--bde-form-label-color);--bde-woo-forms__inputs-background-color:var(--bde-form-input-background-color);--bde-woo-forms__inputs-text-color:var(--bde-form-text-color);--bde-woo-forms__inputs-placeholder-color:var(--bde-form-input-placeholder-color);--bde-woo-forms__inputs-border-color:var(--bde-form-input-border-color);--bde-woo-forms__inputs-border-width:var(--bde-form-input-border-width);--bde-woo-forms__inputs-border-radius:var(--bde-form-input-border-top-left-radius) var(--bde-form-input-border-top-right-radius) var(--bde-form-input-border-bottom-right-radius) var(--bde-form-input-border-bottom-left-radius);--bde-woo-forms__inputs-background-color-focused:var(--bde-form-input-focused-background-color);--bde-woo-forms__inputs-border-color-focused:var(--bde-form-input-focused-border-color);--bde-woo-forms__inputs-shadow-focused:var(--bde-form-input-focused-shadow);--bde-woo-forms__inputs-shadow:var(--bde-form-input-input-shadow);--bde-woo-forms__inputs-select2-hover-item:var(--bde-woo-base-primary-color);--bde-woo-forms__labels-required-color:var(--bde-form-label-required-color);--bde-woo-forms__labels-required-size:var(--bde-form-label-required-size);--bde-woo-forms__labels-required-nudge-x:var(--bde-form-label-required-nudge-x);--bde-woo-forms__labels-required-nudge-y:var(--bde-form-label-required-nudge-y);--bde-woo-tables__border-color:var(--bde-woo-base-border-color);--bde-woo-sale-badge__background-color:var(--bde-woo-base-primary-color);--bde-woo-sale-badge__text-color:var(--bde-woo-base-text-on-primary-color);--bde-woo-sale-badge__font-weight:var(--bde-woo-typography-font-weight-heavy);--bde-woo-sale-badge__font-size:var(--bde-woo-typography__size-standard);--bde-woo-widgets__chip-text-color-hover:var(--bde-woo-buttons-and-links__text-link-color);--bde-woo-widgets__handle-border-color-hover:var(--bde-woo-base-primary-color);--bde-woo-notices__padding-left:calc(var(--bde-woo-notices__padding) + var(--bde-woo-notices__icon-size) + (var(--bde-woo-notices__icon-size)/2));--bde-woo-quicklook-button-text-color:var(--bde-button-primary-text-color);--bde-woo-quicklook-button-background-color-hover:var(--bde-woo-quicklook-button-background-color);--bde-woo-quicklook-button-icon-spacing:var(--bde-woo-base-standard-gaps);--bde-woo-quicklook-close-button-color:var(--bde-woo-base-headings-color);--bde-woo-quicklook-arrow-color-hover:var(--bde-woo-quicklook-arrow-color);--bde-woo-quicklook-arrow-background-color:var(--bde-brand-primary-color);--bde-woo-quicklook-arrow-background-color-hover:var(--bde-woo-quicklook-arrow-background-color);--bde-woo-swatch-space-between-items:var(--bde-woo-base-medium-gaps);--bde-woo-swatch-background-selected:var(--bde-woo-swatch-background-hover);--bde-woo-swatch-border-color-selected:var(--bde-woo-swatch-border-color-hover);--bde-woo-swatch-shadow-selected:var(--bde-woo-swatch-shadow-hover);--bde-woo-swatch-color-background:var(--bde-woo-swatch-background)}:root{--bde-font-size-ratio:1.4;--bde-base-font-size:16px}.breakdance-icon-atom{display:flex;font-size:40px}.breakdance-icon-atom>svg:not(.breakdance-icon-atom-svg-gradient){font-size:inherit;width:1em;height:1em;stroke-width:0;stroke:var(--bde-brand-primary-color);fill:var(--bde-brand-primary-color);transform:var(--eeiTransform)}.breakdance 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Membeli rumah atau apartemen adalah impian besar bagi banyak orang yang. Namun, ada hal penting yang sering luput dari perhatian calon pembeli, yaitu biaya-biaya yang harus dibayarkan sebelum akad atau serah terima rumah. Biaya ini biasanya terkait dengan Kredit Pemilikan Rumah (KPR) atau Kredit Pemilikan Apartemen (KPA) yang menjadi solusi umum untuk pembiayaan properti.
Biaya KPR atau KPA adalah serangkaian pengeluaran yang perlu dikeluarkan dalam proses pengajuan dan pemberian kredit oleh bank untuk membeli rumah atau apartemen. Biaya ini tidak sedikit, karena biasanya berkisar kurang lebih 5 persen dari plafon pinjaman yang diajukan. Komponen biaya tersebut pun meliputi biaya notaris, administrasi, asuransi, dan pengendapan dana.
Dengan memahami rincian biayanya, kalian dapat memperkirakan dana tambahan yang perlu disiapkan, selain uang muka (down payment) rumah. Sebab, hal tersebut sangat penting diperhatikan agar proses pembelian properti berjalan lancar tanpa kendala soal keuangan.
Untuk memberikan gambaran lebih jelas, kalian bisa mencoba lakukan simulasi dengan jumlah pinjaman yang ingin diajukan ke bank untuk membeli rumah, sebagai contoh ada sebuah rumah dengan plafon seharga Rp 400 juta. Jika plafon pinjaman KPR adalah Rp400 juta dan total biaya KPR/KPA sebesar 3,5 persen dari plafon, maka perhitungannya sebagai berikut:
Biaya kali ini dihitung berdasarkan 3,5 persen dari plafon yang meliputi administrasi, asuransi, dan pengendapan dana.
Jadi, total biaya sebelum akad: Rp 14.000.000 + Rp 9.000.000 = Rp 23.000.000. Dengan perhitungan tersebut, kalian dapat lebih dahulu mempersiapkan dana tambahan untuk menutup semua biaya yang diperlukan sebelum akad. Hal ini bertujuan untuk memperkirakan finansial kalian dalam jangka waktu yang panjang.
Agar tidak terlalu terbebani, ada beberapa langkah yang bisa kalian lakukan. Pertama, pilih bank dengan biaya administrasi rendah, karena setiap bank memiliki kebijakan berbeda. Kedua, negosiasikan biaya notaris, terutama jika kalian membeli rumah dalam proyek perumahan yang menawarkan pembelian secara kolektif.
Ketiga, manfaatkan promo KPR dari bank, seperti diskon biaya administrasi atau bunga rendah yang sering ditawarkan pada periode tertentu. Terakhir, siapkan dana cadangan untuk menghadapi biaya tak terduga yang mungkin muncul. Dengan strategi ini, kalian dapat mengelola biaya dengan lebih baik tanpa harus mengorbankan rencana membeli rumah impian.
Memang, memiliki rumah adalah investasi besar yang memerlukan perencanaan matang, termasuk memahami semua biaya yang harus dikeluarkan sebelum akad. Dengan mempersiapkan dana untuk biaya KPR/KPA, kalian dapat menghindari kejutan yang tidak menyenangkan dan memastikan proses pembelian properti berjalan lancar.
Di sisi lain, penting juga bagi kalian untuk memperdalam ilmu properti agar tidak salah langkah. FAR Capital hadir dengan unfair advantage berupa pengetahuan dan strategi investasi properti yang terbukti efektif. Dengan pengalaman bertahun-tahun, FAR Capital sudah membantu ribuan orang memiliki properti pertama mereka dengan cara yang cerdas dan terencana.
Jadi, persiapkan semuanya dengan bijak, termasuk memperkaya wawasan kalian dengan ilmu dari FAR Capital. Dengan begitu, perjalanan kalian menuju kepemilikan rumah tidak hanya lancar, tetapi juga penuh manfaat jangka panjang!