IKLAN 320 x 250
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A separate relief when the status of the jomlo was carried over after the marriage. However, the true problem in life never will be done especially when already married.
Starting from how to organize your finances, to want to stay where after getting married.
Speaking of living residences, it is not a simple thing. Especially when the only mediocre income only. Certainly will need some extra effort to make it happen. But it's not too difficult to be obtained.
As quoted from Cermati.com, here's how to quickly have a home after getting married. Like the words living in huts alone though simple would be a lot more fun than having to live with parents or in-laws.
1. know and open financial conditions each
If You plan to buy a House, then the first thing to you and your partner know is how big is the ability to make it happen. That is, how your financial condition and current partner.
Whether income is sufficient to pay for the installment later home or not? If not, you and your spouse need to find other sources of income to supplement the family income. It's either work part-time or do business.
Bottom line, you and your spouse should be open about the financial condition of each. When there is an error that must be addressed, both you and your partner will both be able to give input to improve the current financial conditions.
2. Calculate the Monthly Expenditure closely
Next, calculate the total expenses that you spend for a month. Stacking in the form of a table that contains a date, the name of the needs, and the cost is spent per month. So you and your partner more easily proofread points spending deemed too excessive.
Make a monthly budget as a guideline to shop, so that the household spending becomes more stable. Avoid the habit of buying stuff just because love it. Remember, you and your spouse need to prioritize the needs if it is to soon have a home.
3. Do the survey Location Home
To know the keseuaian between the House and the price offered by developers, you need to conduct a survey to the location. The House is in the Centre of the city usually dibanderol with prices more expensive than in suburban areas. But again, customize with your financial condition and couples.
No what if you and your partner are only able to buy a house in the suburbs. Nonetheless, house prices in the suburbs will also rise over time, as long as you and your partner want to take care of the House well to increase the selling price in the future.
4. apply the daily Savings
If the savings per month felt pretty incriminating, no matter if you and your partner apply daily savings system. Simply set aside Rp20 thousand per day for savings. In one month then the amount of your savings and pair became Rp1,2 million.
Make a special piggy bank to store daily savings. Then, save the piggy bank in secret so that you and your partner are not tempted to spend money in the piggy bank.
5. reduce the treatment in the Beauty Salon and Kongko
If you and your spouse hooked caring for yourself to the beauty salon or clinic, it would be nice if this custom is reduced. Or you can do it yourself at home, and the money saved can be saved to the piggy bank in order for the money to buy a house quickly accumulated.
In addition to the maintenance costs, other costs such as hanging out and shopping a personal needs also need to be reduced. Although the amount is not too much, but if the cost is incorporated between you and your spouse, for sure the number would be quite fair to realize the dream of owning your own home.
6. Take advantage of KPR
How effective enough to be able to soon have a home is by filing home ownership Credit (KPR). MORTGAGE can be beneficial because cicilannya money tends to be lower. In addition, the period of repayment is also longer, could reach 10 – 15 years, not even a little bit of who installments offers up to 20 years.
You can also utilize the facilities of the MORTGAGE subsidy, which is provided by the Government. Unfortunately, the number of MORTGAGES offered very limited. Therefore, you and your spouse should more often take the time to search for information about MORTGAGES these subsidies so as not to run out of.
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7. prepare a down payment (DP)
Before the developer handed the house keys, you and your spouse need to pay upfront or DP (down payment) in advance. The percentage of DP paid varies, ranging from 5 percent to 25 percent of the purchase price. For example, house prices Usd 300 million, then DP is the need to put up Rp 75 million.
After the DP paid off, you and your spouse lived paying installments per month to their mortgage paid off. In order to make repayments per month, pay the DP that is more than the percentage specified by the developer.
Make the dream of owning a House with ease
Although most home dibanderol prices quite expensive, does not mean wishful thinking you are with the couple to immediately own a home so it's gone. If you and your spouse strengthens, got home at a young age is not just a dream, but a reality that is easily achieved.