Some Tips Before Choosing to Buy a House or Apartment

apartment (illustration)

One of the primary human needs is to have a place to live. Today, more and more property agents are offering housing at affordable prices. Moreover, the government also provides subsidized housing facilities for the people of Indonesia.

However, there are still many people confused in choosing between buying a house or an apartment. Then, what are the tips for making these choices? Check out the following explanation.

Customize to Your Needs

If you are a person who wants to live closer to the city center and workplace, of course, an apartment will be relatively suitable for your needs.

The advantage of the apartment is that it has complete facilities ranging from swimming pools, gardens, jogging tracks, and other facilities, including 24-hour security and ATM centers or minimarkets that support the millennial lifestyle.

The disadvantage is that apart from limited land, various additional costs are quite large for Environmental Maintenance Fees (IPL), facility management, and other costs.
But if you are a person who has a high interaction and socialization spirit, buying a house is the right choice. In addition, the house is also very suitable for those of you who are married.

Furthermore, if you choose to buy a house, the advantage of buying a house is that you actually own the land and it can be expanded by increasing it.

But for mobility, it may not be as good as buying an apartment, because the location of the house is certainly not so close to the city center.

Adjust Your Budget

Having a mature fund plan, of course, is mandatory for prospective home or apartment buyers. Before deciding to choose the type of residence, first, adjust the budget of the funds you have.

It is very important to be prepared so that there is no financial collapse after deciding to buy a place to live.

You have to be realistic with the funds you have. Do not choose a residence that is burdensome with large installment costs, adjust the price of the house or apartment to your ability.

Property Rights Status

When you decide to buy a house, you will get a Certificate of Ownership (SHM) as proof of ownership of the land along with the building of the house.

This certificate can be held as a lifetime asset and can be used as collateral in applying for credit.

Meanwhile, if you decide to buy an apartment, you will only get a Building Use Rights Certificate (SHGB) which states the right to build and own a building on land that is not your own.

In Government Regulation (PP) Number 18 of 2021 concerning Management Rights, Land Rights, Flat Units, and Land Registration, it is explained that HGB is granted for a maximum period of 30 years, then extended for a period of 20 years and renewed for a maximum period of 30 years. 30 years old.

Those are some tips in choosing the type of residence that prospective home buyers need to pay attention to. Don’t forget to also check the convenience programs offered by the government