Tips Saat Ketika Kredit Tanah

Jika Anda tertarik untuk membeli tanah secara kredit, jangan lupa melakukan pertimbangan dan perencanaan yang matang. Layaknya kredit rumah, untuk tanah bank biasa menyebut dengan Kredit Pembelian Tanah (KPT).

Prosedurnya kurang lebih sama, seperti melengkapi dokumen yang dibutuhkan sebelum diajukan. Ketika hendak mengajukan, sebaiknya Anda memperhatikan 3 hal penting berikut ini:

Lokasi Tanah

Penting memperhatikan hal satu ini sebelum memutuskan kredit tanah. Dengan kata lain, jangan sampai terkecoh dan tergoda begitu saja ketika ada orang menawarkan tanah secara murah. Bisa jadi harga murah karena lokasi di pedalaman, kurang nyaman untuk didirikan bangunan, dan tak potensial untuk investasi.

Mungkin tak menjadi masalah besar bila kredit tanah untuk keperluan pribadi. Namun, bila tujuannya ialah investasi atau hal lain yang mengarah ke profit, lokasi tanah sangat penting. Hindari membeli tanah di pedalaman yang belum bisa dipastikan akan megalami pengembangan atau tidak.

Peluang Kenaikan Harga

Selanjutnya, penting memperhatikan faktor peluang khususnya untuk yang ingin berinvestasi. Pembelian sistem kredit atau tunai perlu mengetahui dan jeli melihat adanya peluang kenaikan harga.

Lakukan cek dan ricek lagi untuk memasrtikan nilai sebidang tanah yang hendak dibeli. Utamanya dalam jangka pendek seperti kurun waktu lima tahun ke depan.

Hal-hal yang perlu dijawab terkait peluang ini seperti, apakah daerah sekitar ada pengembangan? Apakah ada proyek pemerintah di daerah sekitar tanah? dan masih banyak lagi. Informasi tentang ini bisa ditemukan lewat instansi pemerintahan atau media massa.

Biaya Tambahan

Saking semangatnya membeli, tak jarang orang melupakan adanya biaya tambahan. Dana yang nilai kecil tapi banyak dan tertutup oleh harapan untung besar. Alhasil, logika dan pertimbangan matang jadi terhambat.

Jadi, baiknya jangan memikirkan untung besar semata ketika membeli tanah secara kredit. Perhitungkan juga biaya tambahan seperti PBB, PPh, biaya balik nama, notaris, komisi untuk agen bila menggunakan jasa broker, dan sebagainya.


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8 thoughts on “Tips Saat Ketika Kredit Tanah

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