Tak Ada Duit Nak Beli Rumah ? Guna Cara Ni!

Rumah makin hari makin mahal, macam mana nak cekau duit buat deposit beli rumah ?

Deposit rumah bukannya sikit, kalau rumah yang berharga RM 150 ribu sekurang-kuranya kena ada RM 15 ribu untuk buat deposit rumah. Itu belum termasuk kos peguam lagi. Perghh, duit oh duit. Hari itu semak dah di bank, bawak penyata gaji terkini tunjuk di kaunter, Alhamdulillah katanya layak beli rumah. Cumanya untuk deposit dengan kos guaman kena ada modal lebihan.

Situasi di atas seringkali berlaku pada sesetengah pembeli rumah yang sudah lama duduk menyewa, dan bercadang untuk beli rumah pertama. Untuk yang belum ada duit nak beli rumah, tapi ada sikit untuk kos-kos guaman, ada beberapa cara yang anda boleh cuba tau.

TAK ADA DUIT NAK BELI RUMAH? GUNA CARA NI!

Kami kongsikan beberapa idea dan cadangan yang sedikit sebanyak membantu anda untuk membeli rumah walaupun modal deposit belum ada di tangan.

 

  1. BELI RUMAH PROJEK DALAM PEMBINAAN (UNDERCON HOUSING)

Apa kelebihan beli rumah berstatus dalam pembinaan (undercon) ni sebenarnya ?. Rumah undercon selalunya akan ada diskaun seperti early bird dicount iaitu pembeli yang terawal akan ada diskaun dari pemaju perumahan tersebut, bumiputera discount, dan beberapa lagi.

Istimewanya, ada sesetengah projek disertakan dengan kos guaman percuma, kos setem duti/ MoT percuma, termasuk dalam pakej rumah undercon ni. Jadinya, anda dapat jimat modal beli rumah tanpa keluarkan duit yang banyak dari pendapatan anda.

Ada sesetengah ejen hartanah yang jual rumah undercon dan request nak rumah yang ada pakej no deposit ataupun diskaun 10% ke atas.

Kalau dapat jumpa, cepat-cepat la rebut peluang ini. Kalau anda nak tahu lebih lanjut tentang rumah undercon ini, KLIK SINI

 

2. GUNA TEKNIK ASBF UNTUK KUMPUL MODAL DEPOSIT RUMAH

Ada sesetengah pendapat mengatakan, ASBF ni akan memberi kesan kepada komitmen gaji bulanan, betul ke ?.

Betul, sebabnya, bila anda dah mula buat pembiayaan ASBF ni, secara automatik akan direkod CCRIS di BNM. Maka untuk mohon beli rumah bank akan ambil kira komitmen ASBF, potensi untuk lulus loan rumah akan kurang.

Maka, apa yang bagusnya ASBF ni kalau ianya memberi kesan pada rekod CCRIS ?.

Bagusnya ASBF ni, kalau anda belum ada apa-apa komitmen pembiayaan peribadi, pinjaman kereta ataupun pinjaman dengan koperasi. Sesuai sangat anda buat ASBF dulu dan bayar setiap bulan dengan cantik. Kerana ASBF ni berkonsepkan pinjaman untuk pelaburan dan dividen akan diagihkan cukup setahun, berbeza dengan pinjaman peribadi yang dapat cash ribu-ribu tak sampai sebulan.

Sebagai contoh jika buat simpanan biasa RM 1000 sebulan, dan selepas 5 tahun anda hanya dapat anggaran dalam RM 60 Ribu. Tapi, jika dengan ASBF, anda buat simpanan RM 1000 sebulan anda dapat tingkatkan modal dalam anggaran RM 95 ribu. Jadinya, anda ada lebihan tunai dan boleh dibuat untuk modal deposit rumah serta kos-kos ubah suai jika nak cantikkan rumah.

Saya ada post panduan untuk beli rumah, dan cara guna ASBF untuk deposit rumah DI LINK NI

3. PENGELUARAN KWSP UNTUK BELI RUMAH

Anda tiada modal untuk bayar bulan-bulan ?, jangan risau kerana masih ada cara lain, iaitu dengan menggunakan Akaun 2 KWSP sebagai pengeluaran untuk deposit rumah. Anda perlu dapatkan persetujuan daripada pemilik rumah (owner) untuk kaedah pembayaran deposit rumah. Pada pendapat saya, dengan menggunakan akaun 2 KWSP lebih baik kerana owner boleh dapat 10% deposit dalam masa 2 minggu setelah tandatangan perjanjian Sale and Purchases Agreement (S&P Form).

Apa yang paling penting, berbincang dulu dengan owner cara terbaik untuk selesaikan urusan pembelian rumah agar ianya dapat memberi kebaikan dari pihak pembeli mahupun pemilik. Jika anda kurang info dalam aspek penawaran dan urusan jual beli rumah, serahkan kepada Perunding Hartanah anda untuk lebih cepat dan beli rumah dengan harga pasaran dan dapat mengelakkan daripada markup harga yang tinggi dari owner.

 

KESIMPULAN.

Cara-cara yang dikongsikan tersebut adalah berdasarkan daripada pengalaman Perunding Hartanah sebelum ini dan cara tersebut paling banyak digunakan. Maka akan boleh cuba cara yang bersesuaian dengan anda.

SEMOGA URUSAN BELI RUMAH ANDA DIPERMUDAHKAN.

Daripada ShahZaidi.com

 

Baca Juga:

-> Rumah Selangorku: Cara Permohonan dan Pendaftaran Online

 

-> 10 Idea Buat Duit Sambil Tidur Dengan Cara Yang Halal

 

 

 

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