Macammana Nak Kumpul Deposit Rumah Dengan Bijak dan Cepat

CARA KUMPUL DEPOSIT RUMAH

Mudahnya beli rumah jika set perancangan dari awal lagi, yang paling penting persediaan deposit untuk membeli rumah. Ada banyak cara yang kita seringkali terlepas pandang, termasuk diri saya sendiri.

a. Katakan nak beli RM150,000 dan perlu ada deposit 10% (RM15,000)

b. Nak beli rumah RM150,000, sebaiknya simpan sekurang-kurangnya RM750 sebulan sebab bayaran bulanan ke bank RM750.

c. Jadi pupuk kemampuan menabung RM750 sebulan supaya yakin mampu bayar bulanan lepas beli rumah.

1. Simpan Tanpa Culas

– Berdisiplin dalam menyimpan, buat potongan gaji atau arahan tetap terus.
– Simpan RM750 sebulan dalam ASB/TH, ada manfaat dividen atau bonus.
– Katakan simpan dalam TH dengan bonus 4.5% setahun lepas 3 tahun boleh ada RM28,916 (kan dah cukup).
– Kalau susah sangat simpan RM25 sehari atau cari cara untuk jimat RM25 sehari.

2. ASB Financing

– Buat ASB Financing untuk RM135,000 selama 30 tahun (contoh ni untuk pembiayaan ASB tanpa Takaful dan dengan kadar 5.2%).
– Bayar bulanan RM741.30 @ RM750 (RM27,000)
– Dividen jangan usik dan dibiar selama 3 tahun. Hasil 3 tahun dividen bersamaan RM29,962 (andaian dividen ASB 6.7%).
– Terminate selepas 3 tahun dan dapat pulangan prinsipal RM6,075.
– Terkumpul RM36,037.

NAK SEMAK KELAYAKAN ASB, KLIK SINI

3. Simpanan Bersama Pasangan

– Bercinta-cinta juga tapi letak sikit angan-angan nak ada rumah.
– Sama-sama kumpul bahagi 2 macam point 1 tu. Jadi seorang simpan RM375 sebulan.
– Kalau jodoh tak panjang lepas 3 tahun masih ada RM13,500.

4. Guna Akaun 2 KWSP

– Akaun 2 ni 30% dari apa yang kita carum setiap bulan (caruman pekerja dan caruman majikan)
– Pengeluaran ni tertakluk kepada baki Akaun 2 anda. Jangan pula nak keluar RM15,000 tapi Akaun 2 ada RM5,000 memang tak dapat lah.

5. Cara Lain

– Guna Kad Kredit untuk kumpul deposit (cara ni ada diceritakan dalam buku WTF? 23 Properties by 30)
– Main kutu tapi kalau kutu RM15,000 ada ke? Tapi kutu ni sekadar nak mencukupkan baki-baki nak cukup RM15,000.
– Minta mak ayah (pinjam dan bayar).
– Jangan buat pinjaman peribadi pula.

Deposit rumah backup plan untuk kuatkan lagi kejayaan membeli rumah. Tambahan pula menunjukkan seriusnya anda nak memiliki rumah..

CARA KUMPUL DEPOSIT RUMAH

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