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
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.