5 Tips Mudah Graduan Beli Rumah Pertama Dalam Masa 1 Tahun

Ni 5 Tips Mudah Untuk Fresh Graduate Beli Rumah Pertama Dalam Masa 1 Tahun

Tak kira la fresh graduate degree atau diploma, korang perlu hadamkan 5 tips di bawah ini dulu. Dan paling penting sekali kita perlu ada ciri-ciri seorang yang penyabar dan berdisiplin tinggi. Okay.

#Tips1
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Cari kerja yang gaji sekurang-kurangnya bermula dari RM2,000. Tapi kalau gaji cuma RM1,500 je, kena fikirkan sesuatu. Contohnya tambah dengan side income.

#Tips2
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Wajib buat duit tepi (side income) sekurang-kurangnya RM1,000 setiap bulan. Contoh buat grab/uber car ke, jadi affiliate eBook ke, atau dropship pon okay. Cari yang boleh bagi side income sambil tak kacau masa kerja.

Sebaiknya buat bisnes yang boleh di buktikan kepada bank. Ada bank statement, payment voucher dan lain-lain.

Walaupun parttime, pastikan register SSM, ada statement 2 tahun dan BE Form.

#Tips3
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Tahan nafsu untuk beli kereta idaman. As starting, pakai je dulu kereta second hand. Lelaki lagi senang, boleh pakai motor dulu.

Tapi kalau dah terbeli kereta macam mana? Tingkatkan pendapatan untuk cover balik komitmen untuk bayar kereta tu.

Tips4
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Simpan duit 50% dari gaji bulanan. Kalau gaji RM2,000 wajib simpan RM1,000. Bukan apa, duit simpanan ni la korang akan guna untuk bayar booking rumah, deposit dan yuran guaman semua tu.

Ada juga fresh graduate yang berimpian nak ada simpanan 50K selepas 2 tahun. Jawapan paling mudah simpan la setiap bulan RM2083.33, dapat kumpul 50K. Atau saya suggest buat ASBFinancing.

Lagi banyak kita buat simpanan, lagi cepat kita cukupkan duit deposit rumah. Masukkan duit-duit kita dekat Tabung Haji atau ASB. Sekali sekala boleh tukar duit ke emas juga. Emas pon boleh ya.

Tips5
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Langsaikan hutang PTPTN dengan segera. Tahun ni last dapat diskaun 20% bagi siapa yang buat full settlement. Katakan ada balance outstanding lagi RM15,000, dah dapat diskaun RM3,000! Siapa nak bagi kan diskaun sebanyak ni?

Bagi yang tak mampu nak bayar full, pastikan bayar tiap-tiap bulan supaya ada rekod dan mudah nak buat pinjaman dekat bank. Mudah kata bayar je ikut jadual bulanan segera.

Kalau yang tak ambil PTPTN ni, ni 1 credit buat diri korang. Tapi jangan gatal buat personal loan pula! 😂

Saya yakin dan percaya dengan izin Allah, kalau ada 5 ciri ringkas ini dekat diri korang, korang akan lihat wang dalam akaun bank korang semakin bertambah, korang akan dengar ramai yang ucapkan tahniah dekat korang dan korang akan rasa sangat best sebab dapat beli rumah pertama dalam masa 12 bulan je!

Jadi macam mana, rasa nak mula ubah diri tahun depan ke atau sekarang juga? Hehe.

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