Ringkasan Berita:
- Gen Z dan milenial perlu menentukan target Rumah yang spesifik sesuai kemampuan Keuangan dan menetapkan jangka waktu menabung, baik Sebagai DP maupun pembelian tunai.
- Strategi keuangan yang disarankan meliputi penerapan aturan alokasi 50/30/20 serta memindahkan tabungan Di instrumen Penanaman Modal Asing seperti reksa dana Sebagai Merasakan imbal hasil yang lebih optimal.
- Guna mempercepat pencapaian target, anak muda didorong Sebagai menambah penghasilan Lewat side hustle dan disiplin Memangkas pengeluaran konsumtif yang tidak mendesak.
Cara menabung Sebagai beli Rumah penting diketahui buat kamu yang Di ini berstatus sebagai gen-z dan milenial.
Di beberapa tahun Di Di, kamu Berencana Membahas salah satu keputusan Keuangan penting dan besar Di hidup, yaitu membeli properti Sebagai tempat tinggal.
Pilihan propertinya bisa bermacam-macam. Sebagai Rumah, misalnya kamu membeli Terravia yang harganya mulai Rp2,3 miliar. Sedangkan Sebagai apartemen, bisa saja pilihanmu jatuh Di Klaska Residence.
Jika uang Sebagai membeli Rumah pertama tak disiapkan secara matang, kamu Berencana Merasakan kebingungan.
Sebagai panduan untukmu, berikut adalah beberapa cara menabung yang benar Sebagai beli Rumah.
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| No | Strategi | Fokus Utama | Instrumen | Tujuan |
|---|---|---|---|---|
| 1 | Aturan 50/30/20 | Alokasi Gaji | Tabungan/Penanaman Modal Asing | Kedisiplinan Keuangan |
| 2 | Penanaman Modal Asing Pasar Uang | Jangka Pendek | Reksa Dana Pasar Uang | Dana DP Rumah |
| 3 | Penanaman Modal Asing Obligasi | Jangka Menengah | Reksa Dana Obligasi | Dana Beli Tunai |
| 4 | Penanaman Modal Asing Saham | Jangka Panjang | Reksa Dana Saham/Indeks | Kemajuan Aset Maksimal |
| 5 | Side Hustle | Penghasilan Tambahan | Pekerjaan Lepas/Usaha | Mempercepat Target |
1. Tentukan Target Rumahnya Secara Spesifik
Langkah pertama tentu saja adalah menentukan Rumah yang Berencana kamu incar Sebagai dibeli.
Kamu bisa memanfaatkan Gadget Lunak jual beli Rumah seperti Rumah123 agar lebih mudah Merasakan informasinya secara detail, mulai Di harga, lokasi, spesifikasi unit, hingga fasilitas.
Properti Terbaru yang ada Di Rumah123 misalnya adalah Klaska Residence yang dibanderol mulai Di Rp700 Juta-an.
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Akan Tetapi pastikan, kamu membeli Rumah yang harganya sesuai Bersama penghasilan per bulan Di ini.
Dilansir Di Kompas.com, founder PT Daya Uang Indonesia Tangguh, Lolita Setyawati mengatakan, rumus dasar membeli Rumah Bersama harga sesuai adalah menghitung lima kali penghasilan tahunan Bersama batasan maksimal harga Rumah
Contohnya, jika kamu Memperoleh penghasilan Rp10 juta per bulan, maka perhitungannya adalah: Rp10 juta x 13 bulan x 5 = Rp650 juta.
Dari Sebab Itu, harga Rumah maksimal yang bisa kamu beli jika penghasilan per bulannya Rp10 juta adalah R650 juta.
2. Atur Target dan Jangka Waktu Menabung
Cara menabung Sebagai beli Rumah Berikutnya adalah, menentukan berapa uang yang mesti kamu kumpulkan, dan berapa lama waktu kamu menabung.
Sebagai bisa menentukan target tersebut, kamu harus menentukan, apakah Berencana membeli rumahnya secara kredit atau cash.
Jika secara kredit berarti target kamu adalah mengumpulkan uang Sebagai membayar DP dan biaya awal lainnya.
Cek laman KPR Rumah123 agar kamu bisa membandingkan produk KPR satu bank Bersama bank lainnya secara lebih praktis.
Sambil, jika ingin membeli Rumah secara cash Di developer, kamu harus mengumpulkan uang Sebagai total pembelian rumahnya.
Nah, Sebagai jangka waktunya, kamu bisa Memperoleh jangka pendek-menengah Sebagai mengumpulkan DP, dan jangka panjang Sebagai membeli Rumah secara cash.
3. Terapkan Aturan 50/30/20
Menurut laman Select CNBC.com, 50/30/20 adalah aturan standar Di mengatur pengeluaran dan menabung bulanan.
Menurut aturan tersebut, kamu harus Membagikan 50 persen penghasilan Sebagai kebutuhan hidup, 30 persen Sebagai keinginan, dan 20 persen Sebagai menabung dan bayar utang.
Dari Sebab Itu, uang menabung Sebagai beli Rumah masuk Di Di porsi 20 persen tersebut, termasuk uang Sebagai dana pensiun dan dana darurat.
4. Jangan Hanya Andalkan Tabungan Konvensional Di Bank
Sebaiknya, jangan hanya mengandalkan tabungan konvensional Di bank saja.
Itu Sebab, bunga Di tabungan konvensional relatif kecil jika dibandingkan Bersama instrumen Penanaman Modal Asing.
Dari Sebab Itu, kamu bisa menggunakan beberapa instrumen Penanaman Modal Asing yang Menyediakan imbal hasil menguntungkan sesuai Bersama profil risiko masing-masing.
Laman Mandiri Sekuritas, most.co.id merekomendasikan instrumen Penanaman Modal Asing seperti reksa dana, saham, dan emas.
Akan Tetapi Sebagai pemula, sebaiknya kamu bisa mencoba dulu berinvestasi Di reksa dana. Pasalnya, uang yang kamu setorkan Berencana tersimpan Di bank kustodian dan dikelola Dari Manajer Penanaman Modal Asing, yang memang ahli Di bidangnya.
Tipsnya, kamu harus memilih produk reksa dana dan Manajer Penanaman Modal Asing tepercaya, seperti Manulife, Succor, Eastspring, BNI, Mandiri, dan lain-lain.
Beberapa produk reksa dana yang terkenal, Di antaranya adalah reksa dana pasar uang, obligasi, saham, dan indeks.
Reksa dana pasar uang cocok Sebagai jangka pendek, reksa dana obligasi Sebagai jangka menengah, dan reksa dana saham atau indeks saham cocok Sebagai jangka panjang.
Instrumen reksa dana pasar uang bisa Menyediakan imbal hasil 4-5 persen, dan cenderung stabil dan terus Merasakan peningkatan setiap tahunnya.
Lalu, reksa dana obligasi mampu Menyediakan return Di 5-8 persen per tahunnya jika kamu menabung lebih Di tiga tahun. Akan Tetapi, terdapat fluktuasi harga tingkat menengah Di reksa dana obligasi.
Berikutnya, reksa dana saham dan indeks saham bisa Menyediakan imbal hasil hingga 8-10 persen per tahun, Di jangka panjang.
Akan Tetapi tentu saja, fluktuasi harga reksa dana dan saham termasuk tinggi. Dari Sebab Itu, kamu mesti siap melihat portofolio pribadi Merasakan penurunan harga Di jumlah besar.
5. Tambah Penghasilan
Certified financial planner (CFP) Annisa Steviani mengatakan, Sebagai menambah penghasilan itu bukan Bersama berinvestasi, tapi Bersama bekerja.
Penanaman Modal Asing itu hanya kendaraan Sebagai mencapai tujuan Keuangan. Dari Sebab Itu, jangan berharap, uang Di hasil Penanaman Modal Asing bisa bertambah berkali-kali lipat Di jangka waktu pendek.
“Sebenarnya Penanaman Modal Asing itu bukan cara Sebagai menambah uang kamu. Dari Sebab Itu kalau Di financial planning, cara Sebagai menambah penghasilan adalah Bersama bekerja, bukan Bersama Penanaman Modal Asing,” kata Annisa Lewat unggahan video Instagram resmi Lawan Covid-19 seperti dikutip Di laman Usaha.com.
Jika kamu sudah bekerja, ada dua cara Sebagai menambah penghasilan.
Pertama, kamu harus Melakukanupaya agar naik jabatan Di tempat kerja sekarang, agar penghasilan per bulannya bisa Menimbulkan Kekhawatiran.
Kedua, kamu bisa mencari penghasilan tambahan Di luar pekerjaan sekarang atau side hustle.
6. Kurangi Pengeluaran
Cara menabung Sebagai beli Rumah berikutnya adalah Bersama Memangkas pengeluaran yang Sebelumnya tidak terlalu penting.
Menurut laman Fortune.com, beberapa tips agar kita bisa hemat Di pengeluaran adalah:
- membeli produk diskon atau Di jumlah besar agar harganya lebih murah;
- membatasi belanja Sebagai kesenangan Sambil, seperti membeli makan Di restoran mahal atau membeli baju Di toko branded;
- berbagi produk langganan bersama keluarga, seperti Netflix atau Canva; dan
- memanfaatkan produk gratis.
***
Dari Sebab Itu, itu dia beberapa cara menabung Sebagai beli Rumah Untuk gen-z dan milenial.
Bersama menerapkan cara tersebut, kamu berpeluang Sebagai Merencanakan uang Sebagai pembelian Rumah secara lebih matang.
Jika Rumah sudah terbeli, kamu tak perlu repot-repot lagi harus tinggal Di satu kos Di kos lainnya, atau Di satu Rumah kontrakan Di Rumah kontrakan lainnya.
Ada pertanyaan lain seputar cara menabung beli Rumah? Ngobrol bareng member dan expert Di Teras123 yuk.
Tentu, ini adalah penyesuaian format FAQ Sebagai artikel Anda menggunakan struktur shortcode yang diminta:
Idealnya, harga Rumah maksimal adalah 5 kali Di total penghasilan tahunan Anda. Contohnya, jika gaji Rp10 juta per bulan, maka target harga Rumah yang realistis adalah Di Rp650 juta. Ini adalah rumus alokasi gaji standar: 50% Sebagai kebutuhan pokok, 30% Sebagai keinginan, dan 20% disisihkan khusus Sebagai tabungan beli Rumah, dana darurat, serta Penanaman Modal Asing. Sebagai jangka pendek, reksa dana pasar uang sangat disarankan. Sedangkan Sebagai jangka menengah hingga panjang, Anda bisa memilih reksa dana obligasi atau saham Sebagai Merasakan imbal hasil yang lebih optimal. Tidak disarankan, Sebab bunga tabungan bank biasanya lebih kecil dibanding Fluktuasi Harga properti tiap tahunnya. Menggunakan instrumen Penanaman Modal Asing membantu dana Anda tumbuh lebih cepat mengikuti Fluktuasi Harga. Selain disiplin memangkas pengeluaran yang tidak perlu, Anda bisa mempercepat prosesnya Bersama mencari penghasilan tambahan (side hustle) atau fokus Meningkatkan karier Sebagai menambah kapasitas menabung bulanan.Pertanyaan Umum Menabung Rumah
Berapa harga Rumah ideal yang sesuai Bersama gaji saya?
Apa itu aturan 50/30/20 Di menabung Rumah?
Instrumen Penanaman Modal Asing apa yang cocok Sebagai dana beli Rumah?
Apakah cukup hanya mengandalkan tabungan bank konvensional?
Bagaimana cara tercepat Sebagai mengumpulkan uang muka (DP) Rumah?
Referensi
- Artikel Fortune berjudul “Buying a house? Here’s how to save (and how much)”: https://fortune.com/recommends/mortgages/how-to-save-money-for-a-house/. Diakses Di 13 Februari 2024.
- Artikel CNBC berjudul “CFPs weigh in: Here’s the best place to put your money when saving for a house”: https://www.cnbc.com/select/where-to-put-your-money-to-save-for-a-house/. Diakses Di 13 Februari 2024.
- Aritkel Kompas.com berjudul “Bersama Gaji Rp 10 Juta Per Bulan, Berapa Harga Rumah yang Bisa Dibeli Milenial?”: https://www.kompas.com/properti/read/2022/10/01/110000721/Bersama-gaji-rp-10-juta-per-bulan-berapa-harga-Rumah-yang-bisa-dibeli. Diakses Di 13 Februari 2024.
- Artikel MOST berjudul “Berencana Beli Rumah? Ini Dia 3 Instrumen Penanaman Modal Asing Terbaik Untuk Anda”: https://www.most.co.id/tips-Penanaman Modal Asing/berencana-beli-Rumah-ini-dia-3-instrumen-Penanaman Modal Asing-terbaik-Untuk-anda. Diakses Di 13 Februari 2024.
Artikel ini disadur –> rumah123.com Indonesia: 6 Cara Menabung Sebagai Beli Rumah Buat Gen Z, Realistis dan Terencana!
