Buy a House with UMR Salary? Here are the tips!
Housing or housing is one of the needs that must be met. Although actually having a residence is not easy to understand. There are two factors that are often the reason for the difficulty of buying housing, namely the property prices that increase every year and the income that is standard or equivalent to the minimum wage. It can be difficult to own a private house with a small income, but this does not mean that it cannot be done at all. The UMR salary is not an obstacle to the realization of a dream house. Even now there is a mortgage program that can help you buy a house. Here are some tips for buying a home with a UMR salary:
5 Tips to buy a House with a UMR Salary
1. Make a clear plan
The first thing to do is to make a clear and complete plan. Buying a house is certainly not a problem that can be done without care. This planning can be started by conducting a home survey and adjusting to the finances. When you discover the price of a prospective house that suits you budgetthen you can estimate how much money must be collected to pay the DP (advance) with the payments that must be prepared for each month.
2. Discipline to save
After making a plan, the next step is to save. In saving, use the principle of setting aside, not leaving. Calculate the costs you spend on living expenses per month, then subtract the amount of income per month from the amount of these expenses. In this way you can find out the nominal amount that can be saved to buy a house.
For example, you can leave about 30% of your income for savings to buy a house and the rest to meet basic needs. To be more disciplined in saving, open a special account and use the auto-debit function so that 30% of your income will be directly allocated to buying a home savings.
3. Save lives to buy a house
In addition to saving, you must also be ready to get used to a frugal lifestyle so that the desired home can be realized. Start a frugal life by distinguishing between needs and wants. Don’t buy things you don’t really need. Also make sure you don’t go into debt, because this will hamper the process of saving to buy a house.
On the other hand, you can also try to invest, one of which is gold investment. Gold investment can be very profitable because the price tends to be stable and increase from year to year. Even if the price goes down, it’s probably not worth that much. Compared to other investments, gold investments are also easier to liquidate.
5. Find additional funds
If the funds you have are still lacking, you can find additional funds by doing side jobs. For example, you can work as a freelancer or even start an online business. In this way, the savings to buy a house can also increase.
Here are some tips for buying a home with a minimum wage. Small income does not prevent you from realizing your dream home. The main key is an accurate and consistent calculation in saving.
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Source: tanamduit, IDX Channel, tirto.id, parapuan