Here it is, Tips to Have a Home in a Year!

By : Ahmad Fadli And Aldi Firhand. A | Sunday, November 26 2017 - 20:58 IWST

Residence Illustration
Residence Illustration

INDUSTRY.co.id - Jakarta - The desire to have a house in a strategic area is often difficult to achieve because of the expensive price. Especially for workers with salary limited to UMP or slightly above it. Earnings often run out for expensive living expenses, such as food allowance, transportation, rent of residence, and so forth.

The dream of owning a home can actually be realized in a short time even though your salary is limited as long as you have a well-thought-out financial plan. Yes, consider just great tips that can make you have a house within the following year!

1. Determine the exact amount

The first thing you should do is to calculate the amount or amount of savings you need to buy a house. This step is useful to give you an idea of ​​the nominal amount you need to save each month

Next, create a monthly budget plan scheme. Remember, do the calculations well so you can get the right amount. Do not specify any unreasonable nominalities in your financial plan.

A too large number can be a burden to you and will interfere with other posts.

2. Automatic saving

After knowing the amount to save each month, you must be fully committed to fulfilling it. Autodebet saving directly deducted from your account can be a solution.

Many banks already have this facility. You just choose to save for a period of one year. Saving autodebet will allow you to meet the desired target savings.

3. Find additional work

It takes sacrifice to achieve something great. There's nothing wrong with taking odd jobs to increase your income. It will be tiring but think about the results you will achieve later.

Additional income can later be used to help sustain the cost of living, or even to increase your savings.

 4. Pay off the debt

During the process of saving a year to buy a house, keep yourself in debt. Therefore, make sure you have paid off all your debts.

If the status of the debt is still running, you can pay it using additional income until repayment so as not to disrupt the mainstream of the financial flow.

5. Increase spending

From now on, you should be wise in spending money. Make tight spending, such as reducing shopping for things that are not top priority, reduce snack and spending habits, and wise when spending monthly.

If you always choose a product with a brand that is more expensive, now try to use a supermarket brand that is usually much cheaper. This can help you save more.

6. Cheap house deals

Many developers are racing to offer cheap home deals to consumers. Although the location is far from the city but generally already has good road access and transportation.

Some developers in the area of ​​Bekasi, Depok, Bogor and there are even those who offer the price of Rp 100-200 million. Therefore, jelilah in search for promos, one of them through the choice of new housing at Rumah.com.

7. Find a low-interest mortgage provider bank

After finding the house you want, you just look for a bank that provides mortgage facilities with small or flat flowers to fit your abilities.

This is important because the mortgage installment will be done in a long period of time, 5-15 years. If the mortgage payments to arrears, the house can be withdrawn and seized by the bank.

News Comment

Today's Industry

 Huawei ICT Competition 2022–2023 Global Final Closing and Awarding Ceremony (Photo: Huawei)

Jumat, 02 Juni 2023 - 17:40 WIB

Huawei ICT Competition 2022-2023 Global Final Held in Shenzhen — 146 Teams from 36 Countries and Regions Win Awards

The Huawei ICT Competition 2022-2023 Global Final concluded in Shenzhen, drawing to a close the seventh installment of this competition.

CleverTap logo

Jumat, 02 Juni 2023 - 15:50 WIB

CleverTap launches local deployment of its SaaS platform in Indonesia

CleverTap, the leading global B2B SaaS platform for customer engagement and retention, has made its platform available within Indonesia through data centers hosted on Amazon Web Services (AWS),…

President Jokowi inaugurated the 2nd Kretek Bridge, in Bantul, DI Yogyakarta, Friday (02/06/2023). (Photo: BPMI Setpres)

Jumat, 02 Juni 2023 - 15:10 WIB

Inaugurated by the President, the Kretek 2 Bridge Strengthens the Java Southern Route

RI President Joko Widodo (Jokowi) inaugurated the Kretek 2 Bridge, Friday (02/06/2023) morning, in Bantul Regency, DI Yogyakarta. This bridge will support the Southern Cross Road (JJLS) which…

President Jokowi led the Pancasila Harlah Commemoration ceremony, which was held in the National Monument Area, Jakarta, Thursday (01/06/2023). (Photo: Public Relations of Setkab/Oji)

Jumat, 02 Juni 2023 - 14:00 WIB

President Jokowi: Pancasila is the Foundation of Indonesia's Success in Facing Global Challenges

In the midst of the global crisis, Indonesia is one of the few countries that has succeeded in maintaining economic, social and political stability as well as controlling inflation, growing…

Minister of Investment/Head of BKPM Bahlil Lahadalia (Photo: Public Relations of Setkab/Rahmat)

Jumat, 02 Juni 2023 - 13:30 WIB

President Encourages Acceleration of Electric Battery Ecosystem Development

Indonesian President Joko Widodo (Jokowi) encourages the acceleration of investment realization for the development of the electric car battery ecosystem which will be carried out in the Bantaeng…