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Begini Cara Ane Berhasil Beli Rumah KPR Sebelum 30! (Kaga Minta Ortu)

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Updated : Baca Dulu Ini!!!!

1. Judulnya sudah di rubah sesuai dengan komeng, ditambahin KPR aka kredit biar nggak bingung dan menyinggung yang mampu beli cash.

2. Kalau soal pamer atau riya, coba dah agan ngaca dulu. Mending bangga beli rumah KPR atau bangga sudah kimpoi terus share resepsi yang ok, honeymoon etc padahal semuanya dari mamih papih, seringkan dapet orang pamer kimpoian bermewah-mewah ria di sosial media padahal itu esensinya apa? Bikin agan kimpoi dengan resepsi yang lebih wah? Kalau thread ane menginspirasi agan untuk bisa beli rumah sendiri, sekalipun kredit.

3. Soal ngambilin barang dari kantor, walaupun cuma tisu dan perintilan kecil buat sehari-hari, memang jadi perdebatan, dilain pihak everyone must survive (Jakarta booo) tapi sekecil apapun itu tetep aja nyolong. Biarlah itu jadi urusan pribadi ane dan berkat sharing ane jadi berhenti. (Soalnya kepikiran terus)

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Ane punya kabar gembira nih, sebulan yang lalu ane berhasil beli sebuah rumah di kawasan (dirahasiakan) tapi pinggiran Jakarta (nggak sejauh Bogor, Tangerang or Depok) dekat dengan station kereta karena ane belum mampu beli kendaraan. Alhamdulillah ane bisa beli sebelum umur 30 dan nggak pake duit orang tua ataupun mertua, pokoknya murni hasil kerja keras ane membabu di ibu kota.

Jadi sebulan lalu udah booking fee sama DP, sekarang tinggal nunggu interview KPR, semua sarat udah ane penuhin semua sarat tinggal nunggu dipanggil sama tranfer aja perbulan buat full uang muka sampai rumah jadi. Soalnya rumah ini indent di sebuah perumahan cluster yang part 2, kira-kira setahunan baru jadi tuh rumah.

Insyaloh kalau semua beres dan sudah jadi ane tinggal transfer cicilan KPR 1,4 jeti + listrik+ air aja perbulannya dan ini masih bisa ane handle dengan gaji bulanan, sekalian ane mau cari pasangan yang siap sedia jadi abis akad udah ada rumah baruuuuuuuu. "AMIN!!!"

Jadi sekarang ane mau share gimana caranya ane bisa beli rumah:

1. 30% tabungan dari gaji.
Pertama, ane udah nabung dari semenjak pertama kali kerja dan gaji pertama ane cuma Rp1,8. Sebisa mungkin ane selalu usahin dapet 30% buat tabungan. Ane juga pindah-pindah kerja demi peningkatan hidup, makin besar gaji makin besar tabungan, bukan malah berkurang atau tetep.

Soal bertahan hidup itu urusan masing-masing. Ane kost gan, dan suka banget nyentilin barang-barang kantor semisal air aqua ane selalu ambil pake botol aqua 1 liter, terus tissu ane sikat dari kamar mandi. Apapun yang ane bisa ambil dan kepake buat kebutuhan sehari-hari ane sikat gan!! Tapi bukan yang barang mahal ya!

2. Invest jangan cuma tabung!
Setelah satu tahun nabung ane mikir gan, kalau begini aja bakal lama! Makannya ane cari investasi dan ane pilih invest di sebuah bank (tdk sebutkan) dengan takaran 60% saham, 20% tabungan dan 20%asuransi. Nah, setelah dua tahun ane cabut ini investasi terus duitnya dicairkan buat beli rumah, dari sinilah seluruh uang muka ane yang puluhan juta untuk uang muka berasal.

3. Manfaatkan KPR sejahtera
Agan harus tahun kalau ada KPR sejahtera untuk menengah ke bawah (silahkan googling) ane pake KPR ini tapi inget, KPR sejahtera hanya untuk gaji di bawah 4 jeti! Kalau lebih anda bakalan di tolak! Terus apa lebihnya KPR sejahtera? KPR ini membuat rumah yang seharusnya berharga ratusan juta disubsidi asal kaga lebih dari 500 juta (kalau nggak salah) Ane lupa dah gan.

Rumah ane aslinya 300 jutaan (kurang lebih) berkat KPR sejahtera dikompres jadi 210 jeti dan DP all total 30 jeti....wwkwkwkw...terus ada temen ane yang beli rumah sama tipe sama, pokoknya semua sama tapi di depok total jadi 400 jeti sekian dan DP 48 jeti, dia pake KPR biasa (duit ortu plus mertua)....kacian dah.

4. Jangan tunda beli rumah!
Ane udah ngider ke sana ke mari, ikut pameran properti ampe puluhan kali. Sampai akhirnya nemu rumah ane sekarang ini, pas ane datang seminggu setelah pameran properti rumah di perumahan itu langsung ludes bak kacang goreng! Terus ane telpon dah langsung marketernya dan tanya apakah ada rumah lagi yang kosong? Jawabnya kaga ada. Tapi ada cluster part 2 belom di bangun dan tinggal satu petak yang belum di booking. Ane kaga pake mikir langsung dah ane sikat.

BTW beli rumah itu merupakan investasi dalam bentuk lain, jadi kalau ada sesuatu misalkan ane pindah keluar kota atau negeri bisa disewakan atau over kredit.

5. Tak ada gaji yang tak cukup, yang ada life style yang nggak sesuai sama gaji.
Terserah agan mau nongkrong di starbuck, nonton hampir setiap minggu atau pelesiran ke luar negeri terus poto-poto upload di sosial media, ganti gadget ipon bla..bla..bla seperti temen-temen ane. Ujungnya takjub liat ane bisa beli rumah sendiri dan ngiler mode on, karena semua duitnya abis buat gaya hidup padahal logikanya untuk DP 30-48 juta andaikan nabung 1 jeti perbulan aja pasti bisa. Dan sekarang umur mereka nyaris 30 belum juga punya tempat tinggal tetap??????

ini gan penampakan rumah ane kalau udah jadi nanti, buat penambah semangat.
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Kamar tidur dua, kamar mandi satu terus halaman depan dan belakang.

note:

1. Haga rumah sampai kiamat nggak bakal turun!
2. Rumah inden yang belum dibangun, lebih murah 30% dari rumah yang sudah jadi
3. KPR apapun kalau anda bukan karyawan tetap susah dan 80% kemungkinan ditolak, karena bank ingin kepastian bahwa anda terikat pada instansi bisa dikontak setiap saat.
4. Kalau bisa jangan KPR tapi beli cash langsung (walau tak mungkin)
5. Hanya KPR sejahtera dan KPR dari bank syariah yang fixed artinya cicilan tetap apapun yang terjadi.

Sekian gan, semoga membantu. Semua temen ane punya rumah gegara (hadiah biar tak keliatan menyedihkan) dari orang tua + mertua ketika mereka kimpoi. Ane berhasil dengan usaha sendiri, nggak bikin repot dan menyedot uang orang tua. Ane paling bangga bukan karena berhasil beli rumah tapi gegara nggak bikin repot orang tua, apalagi orang tua ane belum haji gan dan kemaren abis operasi prostat. Coba kalau ane mikirnya macam orang sini kebanyakan, kimpoi dibiayain orang tua, terus rumah dari orang tua, biaya persalian dari orang tua bla..bla...bla...cepek dah.

Kedepannya ane mau cari usaha tambahan plus buka investasi lagi, buat asuransi sama biaya persalinan. Ane memang belum kimpoi gan masih single (belum ada calon pula) lagi usaha. Cuma ane di inner circle kantor dan rumah yang bisa beli rumah sendiri, ingat jauhkan mindset kimpoi dulu nanti rejeki turun sendiri..bla..bla..bla. You are what you think!!!!

Tambahan dari agan-agan yang sudah membantu.

Sumber : Kaskus.co.id

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Everyone want to success, happiness and wealth. More abundant money or financial freedom, luxury vehicles, and lux, magnificent dream home, passive income / money flowing even if we do not work, a such as angel wife, every day and the time to prepare yourself.

Unfortunately all it is not easy to achieve. Although the details are not the same desire of every person, but in general the things that you want, whether all, some or one of them. There is a proverb says.

"Someone who gets something, he does not get it unless he thought and tried hard to get it until he got it. Rarely happens that someone does not get a thing never dreamed."

So, then everyone try and nail bermati seek and achieve dreams of success and happiness. Trending the way he passes. By opening different types of business, the ups and downs and falling again, following the get rich quick system and others. But the result is often nil. Where's the harm?

Is not one of trying to achieve success with the business, it's remarkable return, but sometimes due to lack of maturation of the planning, wrong and wrong in taking steps in financial management. So how strategy that does not fail and go bankrupt. Work in the real sector, have passive income, invest in insurance.

Work in the Real Sector, Prepare Passive Income

Choose a job tremendous income potential of the business, or gain a little in quantity, continuously with minimal capital. In this world it is impossible to get something with absolutely no capital or free. However, with careful planning, strategy and trick, the mistakes that can be avoided should be avoided.

In fact 97% of businesses were closed, went bankrupt and out of business. means not achieved the dream. Do not you achieved the dream is certain debts piled up and the resulting conflicts create stress. Take a look around, how many stores and shop last up to 5 years, let alone the betahan up to 10 years.

Tradition debt, Debt Putting

Indebted to tradition. The borrower is a bad habit that became tradition. This had to be done because of poor financial management. Owe not always good. If there is no business sense owes a source of new calamity that makes life uneasy prolonged. Instead of profit even stump due to debt.

Frugality and Saving

To avoid the customs debt is to scrimp and save while capable of working and earning. Just because again a lot of money, Think how much misery when we really need the money, but we do not have money. Prepare passive income and invest in insurance.

Force and discipline yourself to save money, save on shopping. Spend according to need and not willingness. Often when shopping without planning and budget tightening, unnoticed leak. Next thing I know money runs out. Try to collect and add up the total shopping bill shopping month. You will be surprised. Too much money yes, but OUT.

Prepare Investment and Insurance

Invest in a safe investment platform, although slightly but definitely, do not be tempted by investment bulging. To be disciplined saving and investing should take out insurance-related investments (unit-linked). By investing at the same time we can be a lot of insurance benefits at once. We will also be disciplined in saving money, and not easy to take our heart's content as the fate of the savings are usually so avoid to "leak" an.

So his strategy. Prepare and separate emergency fund for certain serious conditions, then the daily needs of their own savings, and various other platforms such investments, precious metals, property, and no less important, INSURANCE.

Insurance is important brother. because she was when we got the unfortunate illness, accident and we need large amounts of funds, despite being rich, many vehicles have a big house, suddenly went bankrupt. Passive income is not there, then when no longer able to work automatically no income that continues to flow even if it does not work. This may have happened to every person, and it is impossible to avoid the calamity or disaster, but it is prepared if the condition is really upon us. Proverb said willing umbrella before it rains.

Fact many people who are wealthy and successful, suddenly poor due to bankruptcy, because of illness, although not yet died. Imagine when no longer able to work because of sickness, or death is sudden arrival of unexpected, while we do not have a backup and preparation for what is left. This can be mitigated by insurance. Yet if the rich do not have insurance. Many wealthy because of the fact of insurance.

Try fikir which one is better, an off guard who were not ready for the sudden attack or people who were getting the fist, the horses and the "shield" is also equally attacked. Ill probably equally ill when they actually get hit. Of course the difference between those who are prepared to unsuspecting people. So also in life we ​​need to "shield" or umbrella just in case so that when all possible undesirable or that it is definitely upon us, we have a back up. Eg finance, when we got accident or no longer able to work because of age or frail elderly. Katalah accident - entered the hospital, need abiaya large, with suransi wholly or in part, the need for the cost of medical treatment / surgery covered, a little short we may not bother to look for it. Compare that just saving money in the bank. Saving money on insurance savings and assets to make the rest of us safe. Imagine if we did not have insurance, investment, retirement and children's education fund.

Dreams and ideals we want to live rich, and happy to be aground. moreover there is no savings, investments, or passive income that continues to flow when we are no longer working mempu. Given we already have insurance protection, and anticipation to make our dream retirement life rich and happy, our children's education and marriage until they could deliver prepared independently and not entirely the responsibility of us again. Life and dreams we still achieved.

Often complain there is no money. Actual, money could be prepared tu / set aside. The proof cigarettes and snacks and food that often endanger themselves and bought health, even up to the stage redundant. Try a pack of cigarettes, every day we prepared the funding for education, marriage, health, children, retirees, our dreams in retirement. So the problem is not the presence or absence of money, but whether or not we care for the future of our own lives. Even when there is no money when we realize the importance of insurance we will try to seek bailouts while we look for a replacement. That we are acutely aware of the importance of our future. So ye of now, it would not hurt us Prepare insurance and finance our future. At least the discipline of saving.

Keep learning strategies increase

Let the continued increase knowledge, skills, and strategies. In order to improve the standard of living and our happiness. Most do not adjust attitude and actions according to changing circumstances and dynamis.

Multiply share

With a lot of sharing we will find rest and contentment. and God will make it easy our way. Our business run smoothly and achieve success. Finance and financial management is very necessary accentuated. Separate with udaha personal finance, capital with profit. There is a rich man in the western world that never was happy with all existing wealth. Tia when handing out his property and leaving only about 10%. new he felt relieved and airy.

Should not share the treasure, with what thoughts, advice, and a happy smile are enough who saw it.

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