Beli Rumah untuk Homestay

Tidak dinafikan bahawa harga rumah ketika ini melambung begitu tinggi sekali. Lebih-lebih lagi untuk perumahan yang baru. Ada di antara kita memilih untuk membeli rumah kos rendah, kos sederhana dan kos tinggi. Hari ini saya ingin memberikan sedikit pendapat kepada rakan-rakan yang membeli rumah untuk tujuan aset. Pendapat ini adalah melalui pembacaan dan pengalaman dalam mengusahakan homestay. Rakan-rakan rasa lah beli rumah untuk disewakan lebih untung atau sebaliknya?
Pada pendapat saya kedua-duanya sama-sama menguntungkan berdasarkan faktor-faktor berikut :
Kelebihan membeli rumah dan disewakan
1) Anda mempunyai pendapatan yang tetap setiap bulan. Jika anda sewa pada kadar yang lebih tinggi dari bayaran ansuran rumah bermakna anda telah mempunyai pendapatan pasif setiap bulan.

2) Penyewa bertanggungjawab menjaga rumah anda. Jika dapat penyewa yang baik / pembersih, jaminan kerosakan rumah adalah rendah sekali. Begitu juga yang sebaliknya.

3) Jika anda mempunyai kontrak perjanjian sewaan rumah bersama penyewa bermakna kebarangkalian untuk penyewa tidak membayar sewa / lari adalah rendah sebab penyewa telah terikat dengan anda. Anda boleh mengambil tindakan undang-undang jika penyewa melanggar syarat perjanjian. Contohnya, dalam perjanjian mengatakan jika penyewa berhasrat tidak  menyewa lagi rumah anda maka penyewa perlu memberikan notis 1 bulan supaya anda boleh mencari penyewa yang baru. Jika tidak deposit penyewa adalah hangus.
4) Memerlukan modal yang rendah untuk kos pembaikan rumah. Rumah untuk disewakan tidak perlu nampak sangat mewah. Sekadar cantik, selesa, bersih dan tiada gangguan (paip bocor, pendwaian elektrik yang bermasalh dll)
Kelemahan
1) Jika berlakunya penyewa liat / susah untuk membayar / tidak membayar sewa.
2) Kadangkala penyewa meminta anda mengurangkan kadar sewa bulanan di atas faktor kewangan mereka.
3) Kebarangkalian kerosakan rumah amat tinggi jika penyewa adalah jenis yang tidak mementingkan kebersihan
4) Kadar sewa yang tetap setiap bulan menyebabkan anda tidak boleh melipatgandakan keuntungan pada setiap bulan
5) Jika rumah yang anda beli di kawasan kurang kemudahan awam (sekolah, masjid, pasar raya, kemudahan pengangkutan, kedai runcit dll) kemungkinan untuk anda sewa pada kadar yang lebih tinggi adalah amat sukar sekali. Dalam kata lain, tidak balik modal / rugi.
Kelebihan membeli rumah dan dijadikan homestay
1) Kebarangkalian pengunjung homestay tidak bayar sewa amat rendah sekali jika anda mengamalkan konsep bayar DEPOSIT semasa booking dan bayar BAKI semasa check-in.
2) Kebarangkalian kerosakan rumah amat kurang memandangkan tempoh diduduki tetamu amat singkat.
3) Anda boleh melipatgandakan keuntungan anda pada bila-bila masa dengan cara pemasaran yang baik (iklan di internet, ada laman web/blog homestay, banner, bunting, flyer dan lain-lain)
4) Anda boleh menumpangkan saudara-mara dari kampung jika homestay anda tidak diduduki tetamu. Sekurang-kurangnya mereka selesa bila hendak berkunjung ke rumah anda.
Kelemahan
1) Anda perlu mengupah pekerja yang boleh dipercayai untuk urusan homestay (mengemas, membasuh, check-in, check-out dll). Jika anda rajin anda boleh urus sendiri (lebih untung tapi penat dan mengambil masa anda). Pada saya mengupah pekerja lebih baik berbanding diuruskan sendiri.
2) Kebarangkalian homestay anda tiada tetamu adalah tinggi. Lebih-lebih lagi semasa BUKAN musim cuti sekolah.
3) Anda perlu bersaing dengan mana-mana pengusaha homestay agar homestay anda menjadi pilihan tetamu. Contoh persaingan, anda terpaksa memasang semua bilik dengan sistem penghawa dingin agar homestay anda lebih selesa. Jika anda melakukan tindakan ini, maka anda perlu menaikkan kadar sewaan homestay kerana bil elektrik anda akan turut meningkat. Perlu diingatkan bahawa tidak semua tetamu hendak menyewa homestay dengan kadar yang tinggi! Bermakna sistem penghawa dingin adalah sesuatu yang subjektif.
4) Memerlukan modal yang tinggi sedikit untuk membuat sedikit renovasi rumah (jika rumah lama) dan membeli perabot semasa mula-mula menjalankan bisnes homestay. Berdasarkan pengalaman saya, sekurang-kurangnya anda memerlukan kos sebanyak  RM10,000.00 untuk memulakan bisnes ini.

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