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Investasi Membeli Properti Rumah Dengan Gaji Kecil
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Rumah bukan sekedar tempat untuk melindungi Anda dan sekeluarga dari sengatan matahari. Rumah juga menjadi simbol tentang bagaimana kemampuan seseorang dalam membangun sebuah keluarga. Bila masih mengandalkan orang tua dalam hal tempat tidur, sekaya apapun orang tua, tentu seperti orang yang tidak bisa membangun sebuah keluarga. Rumah juga menjadi kebanggan tersendiri daripada memiliki uang banyak. Dengan tampilan rumah terkesan mewah walau banyak utang, lebih bisa tampil percaya diri daripada punya banyak uang tetapi keadaan rumah tidak terkesan kumuh.
Semua orang membutuhkan properti rumah yang layak huni, berharap dengan tampilan yang terkesan mewah namun tetap dengan modal yang murah. Tetapi untuk mendapatkan rumah idaman dengan harga murah adalah mimpi belaka jika meraih sisa uang gajian saja tidak bisa diharapkannya.
Tentu, ada beberapa alternatif bagaimana melakukan investasi ke dalam properti rumah di saat uang gajian masih belum mencukupinya.
Investasikan Sisa Uang Gajian Ke Dalam Tabungan BTN
Caranya, seperti yang dilansir Liputan6.com, cukup mengunjungi kantor cabang bank BTN untuk membuka rekening. Anda harus membawa uang sekitar 2 juta untuk setoran awal. Lalu nasabah dapat memulai perencanaan keuangan kepemilikan rumah bank BTN dengan setoran lanjutan relatif ringan Rp 100 ribu.
Seperti yang kita tahu bahwa, membeli properti rumah kesulitannya adalah tidak tersedianya uang pas ketika penjualan rumah memakai sistem kontan. Harga rumah tidak seperti harga televisi atau lemari es yang hanya di bawah 10 jutaan. Harga properti rumah bisa mengorek semua tabungan hasil bekerja selama 10 tahun. Bila tidak ada persediaan tabungan, tentu akan lebih menyulitkan lagi di saat tidak ada sistem kredit rumah. Kalau menunggu uang terkumpul, justru harga properti rumah bisa lebih mahal lagi untuk waktu ke depannya.
Dengan adanya tabungan perumahan BTN, memungkinkan semua orang bisa berencana memiliki rumah dengan mudah. Cukup dengan menggunakan sistem tabungan yang ada di BTN. Tabungan perumahan BTN yaitu tabungan berjangka yang di bundling dengan asuransi. Karena menggunakan asuransi sehingga menabung tiap bulan sifatnya wajib. Jadi harus siap sedia uang 100 ribu untuk ditabungkan tiap bulan.
Investasikan Sisa Uang Gajian Ke dalam Proyek Properti
Anda ingin memiliki rumah? Tentu harus terlebih dahulu memiliki tanah. Bisa saja Anda membeli langsung bentuk rumahnya. Otomatis hak legalitas tanah pun bisa Anda dapatkan. Ini memberi inspirasi untuk mencari tanah yang bisa dibangun sebuah investasi penghasil pasif income dengan mengandalkan gaji kecil.
Caranya bagaimana bermain investasi dalam proyek properti? Dengan mengandalkan uang yang terbatas, Anda bisa memanfaatkan pemilik tanah. Anda bisa mencari lokasi yang terbaik terlebih dahulu sebelum melakukan negosiasi dengan pemilik tanah. Pastikan bahwa tanah berada di lokasi yang bisa berpotensi menghasilkan pasif income nantinya.
Proyek apa yang akan Anda bangun? Berikut daftar proyeknya:
- Properti kios
- Properti kos
- Properti ruko
3 hal ini sangat cocok untuk Anda yang berinvestasi ke dalam properti rumah modal murah. Karena Anda bisa membangun rumah di sekitar proyek properti.
Untuk membangun roperti kios, kos, dan ruko tentu tidak harus memiliki modal besar dan juga tidak perlu membangun sekaligus. Proyek ini cocok untuk orang yang bergaji kecil. Terpenting ada persiapan lahan ketika suatu saat ingin memperbanyak bangunan.
Bagaimana cara untuk memiliki tanah? Cukup membeli sebagian tanah khusus proyek dan rumah Anda dengan sistem kredit. Tawarkan juga pada pemilik tanah untuk kerjasama bila mau menjual tanahnya dengan sistem kredit. Bila pemilik tanah percaya dengan kemampuan Anda membangun properti penghasil pasif income, ia akan dengan mudah memberikan tanahnya tanpa harus dibeli dengan uang kontan. Daripada tanah menganggur menunggu harga mahal, lebih baik dibangun properti yang menghasilkan pasif income dengan cepat.
Mudah sekali bukan untuk membangun umah idaman Anda? Anda tinggal membangun rumah di sekitar proyek properti setelah proyek berhasil meraih keuntungan dan hutang Anda lunas.
Sumber : http://duniainvestasitips.blogspot.com/2015/11/investasi-membeli-properti-rumah-gaji-kecil.html
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