Simak tata cara menabung untuk beli rumah dengan gaji 1 juta. Solusi untuk para milenial dengan gaji minim, tetapi ingin membeli rumah pribadi.
Menabung secara rutin adalah salah satu cara yang dapat dilakukan supaya dapat memberli rumah. Jika melakukannya, maka Anda harus sabar dan konsisten.
Ya, menabung untuk membeli aset dengan harga tinggi pasti membutuhkan waktu lama. Untungnya, sekarang ada banyak cara menabung beli rumah meskipun gaji 1 juta.
Jangan lupa untuk menentukan kapan target tercapai ketika menabung. Nah, supaya kesempatan makin terbuka lebar, simak tips menabung untuk beli rumah berikut.
8 Cara Membeli Rumah dengan Gaji Kecil
1. Rencanakan Keuangan dengan Cermat
Meskipun terdengar klise, mengumpulkan dana untuk pembayaran down payment alias DP rumah sebesar 5% sampai 15% adalah langkah awal yang baik.
Ketika menabung untuk uang muka, jangan lupa mencatat pengeluaran untuk memahami ke mana perginya uang Anda. Ini juga membuat rencana anggaran dana lebih efektif.
Sebaiknya pengeluaran sekecil apa pun dibukukan. Nah, ada beberapa alat yang dapat digunakan untuk membuat catatan tersebut.
- Buku catatan
- Spreadsheet Google atau Excel Microsoft
- Aplikasi keuangan
2. Lunasi Semua Utang sebelum Menabung
Tips selanjutnya menabung untuk bangun rumah maupun beli rumah adalah melunasi semua utang yang sedang berjalan. Pasalnya, utang sekecil apa pun dapat mengganggu financial plan.
Selain itu, penting untuk mengendalikan keinginan membeli barang-barang yang tidak esensial selama proses menabung berlangsung. Lalu, hindari impulsive buying, ya!
Perilaku tersebut dapat menguras tabungan, dan menyulitkan keuangan Anda di masa depan. Jangan sampai gagal beli rumah karena hal ini.
Baca juga:
Tips Membeli Rumah Murah, Lakukan 6 Hal Ini
3. Siapkan Rekening Khusus
Foto: gobankingrates.com
Cara menabung untuk beli rumah berikutnya adalah menyiapkan rekening khusus. Pembuatan alat menabung ini dapat membantu mempercepat pengumpulan dana.
Jika Anda menabung menggunakan rekening sehari-hari, bukan tak mungkin tabungan itu akan digunakan untuk keperluan lain, bukan?
Maka itu, lebih baik buat rekening baru khusus tabungan untuk membeli rumah. Bila memungkinkan, buatlah rekening bank di mana Anda bakal mengajukan kredit.
4. Tetapkan Target Tabungan Setiap Bulan
Asalkan konsisten, metode menabung harian, mingguan maupun bulanan, semuanya sama-sama efektifnya kok. Misalnya, bila nyaman per hari, silakan sisikan uang Rp20.000 sampai Rp40.000.
Apabila Anda hanya mampu menabung di angka nominal terkecil pun tak masalah. Asalkan konsisten, tabungan Anda dapat mencapai belasan juta dalam dua tahun.
Uang tersebut dapat digunakan untuk membayar DP rumah tipe 36 subsidi. Selain itu, banyak pula pilihan rumah komersial dengan harga terjangkau lo.
Salah satunya adalah CitraIndah City dengan harga Rp200 jutaan di Bogor.
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Bahkan, banyak pula rumah dijual dengan harga di bawah Nilai Jual Objek Pajak (NJOP) seperti yang ditawarkan oleh Penawaran Khusus Rumah123.
5. Mengikuti Program KPR Subsidi Pemerintah
Kredit Pemilikan Rumah (KPR) hadir untuk membantu masyarakat berpenghasilan rendah agar dapat mempunyai tempat tinggal pribadi. Jadi, silakan manfaatkan program ini.
KPR subsidi merupakan solusi terbaik bagi pemegang gaji 1 juta atau gaji 2 juta ingin punya rumah. Pasalnya, Anda pun akan mendapatkan subsidi uang muka dan angsuran tetap.
Bank juga bakal menerapkan bunga yang sangat terjangkau. Bila tertarik, Anda dapat mengikuti program BP Tapera.
6. Menabung Lewat Investasi Emas
Menabung di rekening khusus secara konsisten merupakan langkah awal yang sangat baik. Namun, tak ada salahnya menggunakan ide yang lebih cemerlang, yaitu investasi emas.
Jangan khawatir, cara menabung untuk beli rumah atau bangun rumah ini aman. Selain itu, mampu memberikan keuntungan cukup besar.
Sudah terbukti harga emas relatif stabil dan terus naik dari tahun ke tahun. Opsi lainnya yakni deposito atau investasi via reksa dana.
7. Menerapkan Gaya Hidup Hemat
Cara menabung uang dengan gaji 1 juta selanjutnya tentu saja menerapkan gaya hidup hemat. Kurangi perilaku boros dengan kedok “self reward” sebab ini membuat Anda susah menabung.
Memang memanjakan diri sendiri dengan membeli barang mahal atau makanan mewah tak ada salahnya. Namun bila selalu begini, upaya membeli rumah dengan gaji 1 juta akan sulit.
Selain bijaksana dalam hal self reward, cara memiliki rumah dengan gaji kecil juga dapat dimulai dengan berhenti pesan makanan dan minuman online. Lalu mulailah masak sendiri di rumah.
Baca juga:
Milenial, Ini 7 Cara Menabung untuk Beli Rumah Impian
8. Komitmen dan Konsisten agar Tabungan Rumah Mencapai Target
Semua cara menabung gaji 1 juta di atas tak akan berguna bila Anda tak konsisten melakukannya. Jadi, pastikan komitmen Anda kuat agar tak berhenti di tengah jalan.
Nah, itu dia informasi mengenai cara menabung bikin rumah atau beli rumah dengan gaji 1 juta. Jangan berkecil hati, masih banyak kok pilihan rumah terjangkau untuk Anda!
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