Cara Kira Kelayakan Pinjaman Perumahan Dengan Bank

“Bagaimana Cara Membeli Rumah Dengan Gaji Kecil?”

Kebanyakan graduan yang baru berkerja, biasanya gaji bulanan kurang daripada RM 3000 sebulan
Macam saya dulu gaji bulanan RM 1800 jer. Anak ada seorang time tu. Memang sakit tengah bulan.

Kalau beli rumah melalui ejen hartanah, biasanya ejen akan filter dulu kelayakan loan.
Secara kasarnya kiraannya guna

 

a) Debt Service Ratio (DSR)

[(Semua Komitmen + Ansuran Bulanan Rumah Nak Dibeli) dibahagi ( / ) dengan Gaji Bersih] x 100 =  %?

Jangan lebih dari 70%. Lebih dari 70% dianggap komitmen tinggi. Bank tak suka. Sebab ia risiko bagi bank

 

Macam mana nak kira Ansuran Bulanan Rumah Nak Dibeli?

  1. Anda boleh guna Mortgage Calculator, di web atau mobile apps atau
  2. Guna sifir mudah walaupun kurang tepat tapi boleh membantu. Iaitu Harga Rumah + 200 = Ansuran Bulanan

Ada yang bertanya, Ada ke Cara Beli Rumah Dengan Gaji Kecil?
Boleh, ada caranya

  1. Guna kiraan DSR dan padankan harga rumah guna formula di atas. Jangan lebih 70%
  2. Buat pekerjaan sampingan, paling kurang ada Payment Voucher
  3. Amalkan tabiat menyimpan dalam Tabung Haji, Unit Trust dan lain-lain
  4. Jangan tambah komitmen lain yang boleh ganggu DSR anda

 

b) Status Pekerjaan

Pekerjaan jawatan tetap ‘permanent’ makan gaji lebih disukai oleh bank. Bagi kes jawatan kontrak, anda masih ada harapan. Tapi kena ada supporting document yang kuat.

Bagi yang kerja sendiri dengan buka SSM atau commission earner (seperti Ejen Hartanah, Takaful dsb) ada cara yang boleh bantu untuk dapatkan pinjaman.

Ada cara yang mungkin kita tak tahu. Jadi kena bertanya dengan kenalan atau Ejen Hartanah

Antara perkara yang disukai bank yang berkaitan status pekerjaan ialah

  1. Ada payslip
  2. Pendapatan konsisten
  3. Ada caruman EPF / KWSP
  4. Ada EA Form (Cukai Taksiran Tahunan)

 

c) Apa Yang Bank Perlu Lagi?

  1. Tabiat suka menyimpan. Setiap bulan pastikan simpan walau sedikit dalam Tabung Haji atau mana-mana instrumen simpanan. Antara instrumen yang dipandang tinggi adalah Tabung Haji, ASB, Fixed Deposit dsb.
  2. Akhir bulan  akaun bank jangan bagi kering kontang sebelum masuk gaji baru. Bank nampak ia sebagai budaya boros. So pastikan ada baki yang relevan sebelum gaji baru masuk.

 

#HartanahWilayah credit hartanahwow

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