Millennials And Gen-Z Dreams Of Having An Aesthetic House That Makes Money? Can Be Realized With The Right Financial Solution

Photo: Doc. Danamon

JAKARTA - The spotlight on the difficulties of the younger generation to buy housing is because the increase in property prices is not comparable to the current income of the younger generation. This condition is often a concern for the younger generation plus expectations from the generation of their parents, that if you don't have a home, it means you haven't succeeded.

This is where demands emerged for the younger generation to have a dream home. Like Agustinus Michel, who is famous as @paksugus on TikTok. He also believes that as a young generation, he really dreams of a dream home for his small family. Of course, the design style that is in demand by the younger generation is housing whose aesthetics are in accordance with the character of the owner.

But it doesn't just stop there, Agustinus Michel argues that choosing a house is not just an aesthetic.

"There are several fundamental factors that must be considered when they want to build dream houses such as residential, location, and budget types," he said, quoted on Sunday, July 23.

First, in terms of housing, the younger generation must be able to see the advantages and disadvantages of choosing housing types and apartments. Because both of them have differences from functionality, maintenance costs, electricity and water costs, security services, as well as health and recreational facilities available around the dwelling.

Then the next factor is related to each other because the location will certainly determine the budget, and vice versa. Indeed choosing the right housing is not easy because there are so many references on social media that can be a preference. Therefore, Agustinus Michel suggested that every young family who has just built their dream home must understand the needs and characteristics of their family.

Agreeing with Agustinus, Marizka Ellanda, National Secured Sales Head, PT Bank Danamon Indonesia Tbk, also said that now is the right time for the younger generation to have their own homes. This is partly because now many developers have designed their properties such as the taste trend of the younger generation. According to him, for landed houses, many young people want to live in clusters, modern but minimalist, small but homey.

There are also those who want a smart home house, which offers many conveniences because technology such as lights that can be turned on and turned off with applause, music that is regulated by voice commands, to an integrated security system. Plus, the increasing trend of Work from Home also makes the younger generation want a comfortable home for them to work for, for example with a lot of open space to make it look spacious.

In addition, he also suggested that the younger generation venture to commit to buying property now. Because, according to him, property prices will continue to rise, and if money is only saved, it could be savings plus interest will not be able to catch the coveted property price.

In fact, he also believes that property can also be an investment, because houses that are already property rights, can be guaranteed at any time if suddenly there is a sudden need such as children's school, family falling ill, and others.

Adding to Marizka, Agustinus also mentioned the importance of owning your own house.

"The key is sense of belonging. People usually love their own goods more, because there is pride in owning the goods. From there, we will be motivated to make our house as aesthetically and as comfortable as possible, so that we can even get money from there," he said.

Tips are to make an aesthetic house, namely, first to build a moodboard before buying property. The contents can be taken from the internet or from social media, the important thing is that we can imagine what color and theme of the house we want. From there, we can determine what vendors or items to choose to fill our house to match the themes and colors, and to match the budget we have.

According to him, all corners of the house do not have to be deliberately made an aesthetic, but if the color is right, the items purchased are connected, automatically the aesthetic will be good. In fact, unconsciously we as residents will also automatically equate ourselves with the aesthetics of the house.

"The house can affect the occupants. Like me, now unconsciously even my clothes are in the same color as my house. I believe that the house we designed and built from the heart, the effect will be beyond even what we imagined," he said.

But, he reminded, aesthetics and functionals must remain balanced. For him, the house has a personality and branding, and it must be adjusted to the branding and personality of the owner. Later, the process of making the house an effort to find additional income can flow by itself, for example, we create content about our daily life at home.

"During my content, I became more sensitive to my own home. From there I was inspired to make a house ionic so that many brands were endorsed. Then it became easier to market myself and my own house to bring in money, the capital was to take advantage of what was in front of our eyes, such as cellphones and social media," he added.

Marizka added that now there are many ways to make the house a source of additional income. Apart from being used as content and studios such as Agustinus, people can also choose to buy Ruko, so the house can also be used as a place of business. Well, the result of a business or content creation can later be used to pay for the house itself.

After determining the choice of a house and its aesthetics, according to him, young people can also take advantage of bank cooperation with developers, such as Danamon who can help choose options that match customer wishes and needs.

In addition to collaborating with trusted developers and various attractive programs, Danamon also has a leading program, namely KPR Danamon More, where savings and mortgages work together to benefit customers because mortgage interest is the same as savings interest.

"So the higher the balance in the account, the smaller the interest expense paid. Customers can also withdraw and deposit at any time because this is savings, not deposits. Later, they will be netted off at the end of every month," he said.

This product, along with various other financial solutions, is in line with Danamon's aspiration to become a one-stop financial solution provider at every stage of customer life, and to help customers take control of all their financial needs and goals.