Sudah Berkahwin, Tapi Masih Belum Ada Rumah Sendiri. Sampai Bila Nak Duduk Menyewa.

Husband and Wife boleh apply teknik ni untuk beli rumah kediaman + rumah pelaburan + simpanan persaraan RM500K.

🎯 Bagi pasangan yang sudah berkahwin, memiliki rumah sendiri adalah salah satu matlamat utama. Sebaiknya, rumah perlu dibeli sebelum berumur 35 tahun untuk mendapatkan tempoh pembiayaan perumahan yang panjang dan bayaran bulanan yang rendah. Semakin rendah bayaran bulanan, semakin tinggi peluang untuk mendapatkan pembiayaan bank.
Kalau dah berumur 40 tahun baru nak beli rumah, bayaran bulanan dah mahal. Bank susah nak luluskan pembiayaan rumah. Lainlah kalau gaji tebal dan komitmen rendah.

🎯 Back to the point, dengan simpanan sebanyak RM 540 seorang setiap bulan, husband and wife boleh miliki 2 buah rumah sendiri dalam tempoh 3 tahun. Satu untuk kediaman, satu untuk disewa. Dan juga bonus simpanan persaraan sebanyak RM500,000.

#TahunPertama
-> Husband and wife apply ASBF 100K setiap seorang.
-> Bayaran bulanan RM540 setiap seorang.
-> So, setiap bulan husband and wife berkorban untuk menyimpan RM540 daripada duit gaji.
-> Selepas setahun, guna teknik rolling dividen.

Hasil selepas 3 tahun:
Dividen terkumpul: RM 8,960
Principal:RM 4,617
Jumlah pulangan #Sijil1: RM13,577

#TahunKedua
-> Pada tahun kedua, Husband and Wife apply lagi ASBF 100K setiap seorang.
-> Sijil terkumpul kini 200K setiap seorang.
-> Jangan risau, komitmen masih sama RM540 sebulan sebab installment sijil pertama dibayar guna dividen ASB.
-> Installment sijil kedua ini bayar guna duit gaji selama setahun.
-> Pada tahun kedua, guna teknik rolling dividen.

Hasil selepas 2 tahun:
Dividen terkumpul: RM 8,075
Principal: RM 3,000
Jumlah pulangan #Sijil2: RM 11,075

#TahunKetiga
-> Husband and wife apply lagi ASBF 100K (ASB2) setiap seorang.
-> Macam biasa, komitmen kekal RM540 sebulan walaupun nilai sijil sudah 300K setiap seorang.

Hasil selepas 1 tahun:
Dividen terkumpul: RM 7,250
Principal: RM 1,466
Jumlah pulangan #Sijil3: RM 8,716

Jumlah Pulangan Sijil 1 + Sijil 2 + Sijil 3 = #RM 33,368 seorang.

Hasil berpasangan = RM 33,368 x 2
= #RM66,736

So, nak buat apa dengan RM 66,736 yang berjaya dikumpul selepas 3 tahun ?

Bila dah ada cash RM 66,000 rancanglah masa depan dengan baik. Boleh follow cadangan saya, atau kalau nak buat planning sendiri pun boleh. No problem, it’s your money.

1. #DANAPERSARAAN
–> Asingkan RM 26,000
Apply semula ASBF 200K setiap seorang. Gunakan RM26,000 untuk bayaran tahun pertama secara lump sum. Pada tahun kedua, guna teknik rolling dividen sehingga tamat tempoh pembiayaan. Jangkaan hasil sebanyak RM500,000 dana persaraan.
*Tak perlu bayar guna duit gaji.

2. #BELI 2 BUAH RUMAH (150K + 150K)
–> RM 30,000 untuk 10% downpayment.
Beli dua buah rumah; sebuah duduk sendiri dan sebuah lagi untuk disewa.

Anggaran bayaran installment rumah yang berharga RM150K ialah RM600.
Sewakan pada harga RM850. Positive Cashflow = RM250.

So, total bayaran untuk dua buah rumah = RM1,200. Hasil dari sewaan RM850. Maka, hanya perlu keluarkan RM350 duit sendiri untuk bayar installment dua buah rumah.

3. #REWARD DIRI SENDIRI
–> RM10,000.

Lepas 3 tahun menyimpan, rewardlah diri sendiri sebagai penghargaan di atas kesungguhan dan kesabaran. Yang reward ni pandai-pandailah pilih ikut minat masing-masing.
*Melancong
*Downpayment kereta
*Makan steak Menate’
*Beli barang kemas

STATUS KEWANGAN SELEPAS 3 TAHUN
*********************************

Sebelum ini, husband and wife berjaya asingkan RM1,080 sebulan sebagai wang simpanan.

Selepas membeli rumah, komitmen yang terpaksa ditanggung hanya RM350 selepas mendapat pulangan RM850 hasil dari sewaan rumah kedua.

Ini bermakna terdapat RM1,080 – 350 = RM730 lebihan duit setiap bulan.

So, masa ni dah boleh upgrade kalau nk beli kereta yang lebih selesa. Lagi bagus kalau invest duit tu untuk masa hadapan.

Kesimpulan: Cubalah simpan duit secara paksa selama 3 tahun pertama. Insyaallah bila dah berjaya kumpul cash yang banyak, perancangan kewangan yang seterusnya menjadi lebih lancar. Kalau gaji 5K, cuba dulu hidup macam orang bergaji 3K. Tahan nafsu sekejap sehingga satu masa. Tak lama pun 3 tahun.

[Kiraan berdasarkan keuntungan bank 5.05% dan dividen ASB 7.25%]

Selamat beramal.���

* Kalau dah baca, tolong viralkan idea ni kepada kawan-kawan supaya lebih ramai yang mendapat manfaat. Semoga kita mendapat pahala yang berpanjangan apabila berkongsi ilmu yang bermanfaat.

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