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Cara nak elak berhutang dengan bank terlalu banyak

Bangun petang-petang, tengok bini kat tepi rasa hidup ni sungguh bahagia. Mintak-mintak perasaan macam ni tak hilang dek masa. Terus kekal gitu. Bahagia tengok wajah bini sendiri. Lepas geliat dua tiga round, solat, ada soalan cepumas dari cik bini

'kita tak nak beli rumah ke?'

adoiii

Bukan tak nak beli rumah, tapi aku ni memang kalau boleh tak nak berhutang dengan bank banyak-banyak dan lama-lama. Tak nak jadi 'hamba' kepada bank, tiap-tiap bulan dapat gaji dari Herbalife, separuh atau lebih duit akan masuk ke duit bank. Aku rasa bukan aku sorang saja macam tu, hampir kesemua rakyat Malaysia macam tu kot. Duit gaji banyak dapat ke bank!



Tengok sekarang ni dengan nilai rumah, nilai kereta memang agak mustahil untuk beli semua benda 'wajib' ni tanpa berhutang dengan bank. Bayar cash rumah?? nak bayar cash tv pun sesak nafas ye tak? Aku rasa benda ni dah macam satu perjalanan hidup, korang lahir je kat dunia, nanti akan berhutang dengan bank jugak bila dah dewasa. 

Permainan duit bank

Bagi yang tak faham istilah bank, BFR, fixed rates dan pelbagai lagi istilah yang memang tak mudah nak difahami, senang je nak tahu banyak mana kita bagi kat bank. Aku amek contoh, loan rumah kita RM 200 000, tapi tiap2 bulan kena bayar kat bank RM 900 selama 25 tahun. Korang darab je, RM 900 x 25 x 12 = RM 270 000. Actually korang bayar RM 70 000 kepada bank dalam tempoh 25 tahun. RM 70 000 wooo, duit RM 70 000 tu macam-macam boleh buat. Tapi tak berhutang kan, tak dapat pulak apa yang kita nak

Macam mana nak elak?

Cara terbaik nak elak adalah korang dapatkan income yang besar-besar sejak muda lagi. Bila dah ada income, menabung dan duit tabung tu yang korang gunakan nanti. Aku ni kira orang bernasib baik jugaklah sebab dapat pendedahan menabung ni masa usia muda lagi. Dan usia muda lagi - belasan tahun aku dah start dapat income aku sendiri yang boleh diisi dalam tabung tu. Takde income, nak menabung ape kan? Haa, apa lagi, buatlah Herbalife diusia muda :)

Dah terlambat dah....

Kalau korang sekarang ni diperingkat yang dalam simpanan tiada duit, boleh korang guna cara yang aku nak kongsi ni. kalau sesuai, teruskan, kalau tak sesuai, tak payah la buat kan? Cara nak beli rumah tapi tak nak berhutang dengan bank terlalu banyak (still berhutang tapi tak banyak)

Langkah pertama adalah korang beli sebuah rumah atau apa-apa je lah yang berupa tempat kediaman - apartment, flat, condo, bungalow yang sesuai untuk korang beli sebagai aset korang. Rumah ni tak perlu besar, just cari yang strategik dan berpadanan dengan gaji korang tu. Kalau aku boleh suggest, cari yang kat bandar dengan harga around RM 200-300 ribu

Langkah kedua adalah SEWAKAN rumah korang tu. 

Langkah ketiga adalah pastikan duit sewa yang korang dapat tu boleh tampung bulan-bulan yang korang bayar kat bank. Kalau tak dapat tampung pun, biar lebih RM 100-200 je sebulan korang kena tambah. Lagi elok, korang dapat duit sewa yang lagi banyak korang bayar kat bank

Langkah keempat adalah depend pada masa berapa lama (aku bajet dalam 5-7 tahun) jual aset korang tu dan beli rumah yang lagi besar dan ulang langkah 1-4 balik

Susah-susah

Benda ni memang bunyinya mudah je kan, tapi cukup susah nak dibuat. Lagipun, dah beli rumah sendiri tapi bagi sewa, korang nak duduk kat mane? Bagi aku, kalau korang bujang, baik mulakan cepat-cepat sbb masa korang bujang boleh minimumkan kos dngn korang sewa di tempat murah-murah. kalau korang dah beristeri sekarang, gunalah income korang buat benda kat atas ni dan income isteri korang untuk tinggal di kawasan yang murah-murah skit. 

Ada cara yang lagi senang untuk tak nak berhutang dengan bank banyak-banyak? sharelah

Jangan lupa Like dan Tweet ya =)

11 comments:

chiLleD...!! said...

wah..good idea..sok nk bli umah lh

~cAhAyA kEmUL!aAn~ said...

beli rumah murah yg bank lelong..then jual semula dgn harga pasaran semasa.. @ sewakan n duet sewa tu akn jd simpanan tambahan kita..

p/s:tp umah lelong kne ade duet dlm tgn ckit la even murah berkali ganda.. ;)

Mohd Faridzul Asyraf Mat Arifin said...

@chiLleD...!!

terus esok. haha

Mohd Faridzul Asyraf Mat Arifin said...

@~cAhAyA kEmUL!aAn~

rumah bank lelong ni biasa tempat tak strategik. tp good idea, bleh try tengok lebih cara ni

sha my heart said...

terima kasih berkongsi. pernah baca jugak cara ini dari seorang yang berpengaruh. Teringin nak buat tapi belum ada rezeki.

~cAhAyA kEmUL!aAn~ said...

@Mohd Faridzul Asyraf Mat Arifin

kakak ak buat bisnez hartanah(not really a bisnez, lbih kpd cre kumpul aset sendiri), slalu je jumpe tempat strategik, tp yg strategik ni kdg x sampai hati nk beli sbb once lelong owner asal akn kena kuar..

p/s:kalau minat bgtau la, kakak ak ckp melayu ramai xtau lg pasal ni..

Aleeya Atinza Saaid said...

betul tu beli umah dlm bandar..terutama dlm KL..penyewa ada jew..dan rege sewa pun boleh tinggi.. =)

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daniel said...

Aku berminat we ..
Aku tengah Carik rumah area kl tapi dalam bawah 100k r .. Maklom r , bujang lagi .. hehe
Mintak tolong aja boleh macam ne nak beli Atau Carik rumah lelong ?
Thanks we ..
Ni email aku , mohamaddaniel92@gmail.com

daniel said...

Aku berminat we ..
Aku tengah Carik rumah area kl tapi dalam bawah 100k r .. Maklom r , bujang lagi .. hehe
Mintak tolong aja boleh macam ne nak beli Atau Carik rumah lelong ?
Thanks we ..
Ni email aku , mohamaddaniel92@gmail.com

 
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