Kumpul Deposit Rumah RM19K Dengan Modal RM537 Selama Dua Tahun

Kumpul Deposit Rumah RM19K Dengan Modal RM537 Selama Dua Tahun
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Nak beli rumah bukan serupa nak beli sayur di pasar ataupun nak beli pantun. Kena la ada simpanan sikit untuk bayar kos guaman dan kos sampingan nanti.

Kalau Myvi boleh beli zero-downpayment, beli rumah ni jarang-jarang ada bank nak bagi zero-downpayment untuk beli rumah. Sekurang-kurangnya kena ada 10% daripada harga rumah.

Kalau berkelayakan beli rumah harga RM120K. Ansuran bulanan dalam RM600. Jadi kau seharusnya mampu simpan RM600 sebulan.

Kalau simpanan dalam bank pun ada tiga angka je, baik mulakan menyimpan dulu deposit rumah ni.

Ini antara contoh game plan jika nak dapat lebih RM19K dalam masa tiga tahun. Komitmen simpanan hanya RM537 selama dua tahun.

Caranya;

📌Tahun Pertama

Mohon pembiayaan ASB RM100K. Tempoh pembiayaan 30 tahun. Kadar keuntungan bank: 5.05%. Bulanan dalam RM536.82. Kita genapkan jadi RM537. Tanpa ambil takaful.

📌Tahun Kedua

Mohon lagi ASBF RM100K. Selepas setahun, akan dapat dividen. Katakan dividen 7%. Jadi 7% X RM100K = RM7000. Bayar ansuran guna dividen ASBF tahun pertama.

Katakan profit rate bank macam tahun pertama. Bulanan RM537. Bayaran untuk setahun RM6444. Ada lagi baki RM556.

Ansuran bulanan tahun pertama bayar guna gaji. Ansuran bulanan tahun kedua bayar guna dividen ASBF tahun pertama. Jadi bulanan kekal RM537 tanpa bertambah sebarang komitmen.

📌Tahun Ketiga

Terminate dua sijil ASBF RM100K tahun pertama & RM100K tahun kedua selepas dapat dividen pada Januari nanti.

Dan hasilnya;

➡️Dividen ASBF RM100K Tahun Terakhir: RM14,000
➡️Prinsipal ASBF RM100K (12 bulan): RM1476
➡️Prinsipal ASBF RM100K (24 bulan): RM3027
➡️Lebihan: RM556

✅ Jumlah kasar: RM19,059

Lebih kurang RM19K beb! Banyak dah tu dalam masa tiga tahun.

Kalau kau simpan sendiri RM537 dapat RM12,888 je kan. Beza enam ribu tu. Sapa nak bagi kan.

Dah ada simpanan RM19K ni nak buat apa? Antaranya:
.

1. BELI RUMAH SUBSALE (RM150K)

RM15K untuk 10% downpayment.
Beli rumah lepastu sewakan. Dapat untung sewa.

Anggaran bayaran ansuran rumah yang berharga RM150K dalam RM600. Sewakan pada harga RM850. Dapat aliran tunai positif RM250.

2. BELI RUMAH LELONG

Beli rumah lelong yang bawah RM100K. Rumah di lembah Klang masih ada. Harga bawah RM100K tapi kadar sewa RM600-RM900. Tak caya tanya ejen rumah lelong.

3. DANA PERSARAAN

Mohon terus ASBF 200K. Katakan bulanan RM1080 sebulan. Gunakan simpanan tadi untuk bayaran tahun pertama. Pada tahun kedua, guna teknik rolling dividen sehingga tamat tempoh pembiayaan. Selepas 30 tahun ada sebanyak RM200K sebagai dana persaraan. Langsung tak perlu bayar guna duit gaji.

4. LANGSAIKAN HUTANG

Jika ada terbuat hutang peribadi masa kahwin ke, hutang PTPTN ke, boleh gunakan simpanan tadi untuk bayarkan habis hutang tersebut.

5. REWARD DIRI SENDIRI

Penat menyimpan, boleh digunakan untuk reward diri sendiri sebagai penghargaan di atas kesungguhan dan kesabaran. Ikut kehendak korang jangan sampai membazir pula.

-Bercuti
-Downpayment kereta baru
-Beli barang kemas

KEMBALI KE HALAMAN UTAMA

SHARE l TAG pasangan kesayangan korang. Moga manfaat 😊
—————————————————————

Penafian:
1. Kiraan kasar sahaja.
2. Profit bank: 5.05% dan tempoh pembiayaan: 30 tahun.
3. Dividen ASB Financing: 7% selama tempoh pembiayaan.
4. Ini sebagai panduan dan cetusan idea sahaja. Jangan ikut kemampuan ekonomi orang, jangan jadi pembaris. Tukar dan sesuaikan pelan ini mengikut ekonomi kewangan diri sendiri. Sekian.

Credit [ASY]

 

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