Plus Minus Subsidized Houses, Understand Before Buying It So You Don't Regret It

Plus minus subsidized house (Freepik)

YOGYAKARTA - Subsidized houses can be a solution for people who want to have housing at a cheaper or more affordable price. Subsidized houses are programs from the government for low-income people (MBR) who do not or do not have decent housing. But before buying it, you need to know plus minus subsidized houses.

Subsidized houses are suitable for lower middle class people because they are offered a much cheaper price than houses in general. In addition, people can also buy subsidized houses with a People's Housing Credit (KPR) scheme with certain requirements.

With lower selling prices, the specifications or facilities provided in subsidized houses are also relatively modest. Therefore, plus minus subsidized houses you need to know first so that later you don't regret it.

Subsidized houses are in great demand because in addition to cheaper prices, they also offer a number of advantages or advantages for their owners. But besides that, subsidized houses also have some shortcomings to know before deciding to buy them.

The following are some advantages of subsidized houses that are profitable for people who intend to buy them:

One of the main bargaining power for subsidized houses is that the price is cheaper than that for houses in general. Subsidized houses are sold at low prices because they are built from government funding assistance. Subsidized houses also do not impose Value Added Tax (VAT).

subsidized houses are intended for people who have an income of around 2.5 million to IDR 4 million per month. When buying subsidized houses, the public can also apply for a mortgage scheme to ease expenses so as not to burden finances.

Another advantage of subsidized houses is relatively low down payments, so it really helps low-income people who want to have a place to live. The lower selling price lantara, the amount of DP imposed is relatively low. There are even developers who offer down payment of only 1%.

People can buy subsidized houses through the mortgage scheme with lighter installments than the commercial house mortgage in general. The amount of installments charged for the purchase of subsidized houses is usually only Rp. 1 million per month.

In addition, the tenor period or installment period is also quite long. There is a tenor period of up to 20 years, given the lower installment value as well.

The requirements imposed for subsidized houses are also simple and not complicated. Buyers only need to meet the following requirements:

Here are some shortcomings from subsidized homes that you should know before buying them:

Subsidized houses are built with a smaller size or not as wide as commercial houses in general. Subsidized houses usually have a limited area, namely buildings measuring 21 m2 to 36 m2 with a land area of less than 72 m2.

The materials or materials used to make subsidized houses are also of standard quality. In comparison to the cheap price, the selected materials are of modest quality.

Another shortage of subsidized houses is its remote location because it is usually built on the outskirts of the city or developing locations. So you need to consider access to the location of the house and the availability of public transportation as well as other public facilities.

Keep in mind that subsidized house ownership cannot be transferred if it has not been paid off. The government imposes sanctions on subsidized house buyers who are caught diverting credit, trading, or renting out houses.

That's a review of plus-minus subsidized houses that you need to know before buying them so you don't regret it. If the number of shortcomings above are not problematic for you, then buying subsidized houses can be a solution to have housing at affordable prices.

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