You Can, Here Are 7 Strategies To Have A House Before Getting Married

Illustration of ways and strategies for owning a house before marriage (Unsplash/Tierra Mallorca)

JAKARTA – Having a house before marriage is not a utopian dream. It's just that a strategy is needed to be realistic in realizing these expectations. Given that property prices are increasing day by day, it is possible to have a house even if the salary is not large.

While there are still not many dependents in domestic life, you can plan from now on. What are the strategies that can be used to achieve the hope of owning your own home? This is what you can do.

1. Save at least 30 percent of your total salary

If you receive a monthly salary, usually to arrange it according to plan. First, part of it is allocated for monthly expenses. Second, for unexpected expenses and finally, allocate it to save money to buy a house.

2. Have a savings target and be consistent

Saving without a target makes you less enthusiastic, you know. So, set a target for the amount of money needed to buy a house. The thing to remember, you must be consistent in saving. The reason is, if you don't save regularly, the period of saving will be longer and you can buy a house longer.

Illustration of ways and strategies for owning a house before marriage (iStockphoto)

Don't forget to calculate other needs. Because generally if you buy a house in installments, the bank will give you 30 percent of your salary. That way, you won't feel heavy because you've consistently saved and paid off a portion of your salary for the property you dream of.

3. Savings in the form of gold and insurance

Having trouble saving money because you are often missed and taken before reaching your target? How come there are savings in the form of gold or insurance. The form of saving gold and insurance is not as easy to take as saving money. This means that you will have a long chance to consider taking it for non-urgent needs.

4. Monitor property prices regularly

As your reference, you should monitor property prices regularly. Because the development is very fast, so don't miss knowing the latest prices.

You can check it via the internet. Or it could be by following social media accounts in the field of property. Every now and then, directly monitor the location you want the most. Also check how the latest conditions around the location.

5. Buy a house with a mortgage

There are two ways to buy a house, namely by paying cash or by credit. If the most realistic way is credit, take advantage of the mortgage program. KPR will usually make it easier, because they only ask for cash for a sign after checking the files. After the credit application is accepted, you can pay it in installments. Well, also make sure how much the installments and the sign-off money are. Know and also complete all the required files.

6. Take advantage of subsidized mortgages

Home mortgages with subsidies are generally allocated for a certain amount of income or salary. The price will be cheaper so you can make the best of it. This means that you must be diligent in seeking information about this subsidized mortgage program.

7. Go to a mortgage house exhibition or a bank program offer

Several banks provide programs to make it easier for prospective young couples to own a house. Before getting married and planning to own a house, you need to actively attend home exhibitions for mortgage programs or other programs from banks that make it easier for you to buy a house.

Those are the seven strategies you need to stick to. Have you started running any of the tips above? In order to quickly realize owning a house before marriage, follow all the steps.