We have explored the consumption patterns of young people that influence their steps in realizing their dream of owning a home through the article "Our Survey Shows How Money Management Is a Problem for Youth Owning a Home". Part of VOI's typical series, "When is the board established?", This time we see an interesting phenomenon in which many young couples are jointly buying houses and the risks behind them.
Nurani Maulida has been in a relationship with her lover, Reynard Adrian for five years. Last year, in the fourth year the relationship was established, the two of them were determined to buy a house in the Parung area, Bogor, West Java, through the Home Ownership Credit Program (KPR). Mortgage payment costs are divided into two. Flat.
Conscience and Reynard's decision is interesting, because they have not even prepared for the wedding. The plan exists. However, Nurani and Reynard agreed to marry simply. They allocate the money for housing.
They are not very satisfied. The house in Parung is clearly far from where they make a living. For Nurani, which is based in an agency company in South Jakarta. Even for Reynard, who daily teaches music, from Bintaro to Bekasi.
But, how else. The house they redeemed for IDR 350 million is the most sensible choice for the pocket. "Most Rey is crazy. But in the future he can find Yamaha-Yamaha (music school) which is close. You don't need to go to Bekasi-Bekasi," said Nurani when contacted by VOI, Friday, January 31.
Tiara Sutari, a media worker in Jakarta, is experiencing similar concerns. At the age of 25, he and his lover, Lalu Rahadian, decided to pay in installments to the house together. The decision is not easy. Tiara had doubts about which one she should prioritize: saving for her wedding expenses or buying a house.
In the end, the two of them decided that neither should take precedence nor be neglected. Tiara and Lalu realized that the marriage they were going to hold this year was only the beginning of their new life. Both of them knew very well that they had to pursue the needs of the board. Whatever will be.
"But I like someone who feels uncomfortable if they don't have a house. How will they live? There is an option to rent an apartment, but, thinking later, it will make you feel good until you don't have a house ... I dare myself to talk about it. married, "he said via text message, Friday, January 31.
Weigh
Really, we believe the optimism of the couples above is a good thing. Planning may be needed. It's just that, it is still important to see a picture of the risks that might occur when a couple - not married yet - decide to pay in installments on the house - which is not cheap - together.
We talked with Aidil Akbar Madjid, a financial planner, regarding this phenomenon. Aidil Akbar saw that what Nurani, Reynard, Tiara, or Lalu was doing was managing money that was risky and prone to disputes. It's nothing, disputes between unmarried lovers will be more difficult to resolve because there is no legal umbrella that can mediate the dispute.
"Because the installments are the Identity Card (KTP). If they are not married, then they separate, the winner will use the name. Because he will get the property," said Aidil Akbar some time ago.
This legal viewpoint was reinforced by legal practitioner, Bayu Sinuraya. According to Bayu, there are things that should be done independently to avoid legal risks. However, he did not close his eyes about this joint venture phenomenon.
Bayu suggested that every couple who decided to pay in installments for the joint venture to make some form of agreement with legal force to anticipate potential disputes that might occur.
"If you want, yes, just make a written agreement between the dating. If something happens to the continuation of their relationship, then how about the rights to the house that was bought or paid in installments together," said Bayu.
"If there is a non-performing loan, there will be uncertainty about who has the right to collateral in the bank ... Because usually when dating, of course there is no clear legal status in the relationship," said Bayu.
Back to Tiara and Then. To us, Lalu explained, he and Tiara were currently in the process of repaying an advance payment of Rp. 2.7 million which they paid regularly for 12 months. The value is charged equally among them.
"The process, yes, on my behalf. Then the two of us will pay it together. Salary slips are also on my behalf," said Lalu.
Tiara and Lalu were actually not very arbitrary. Both agreed that the credit agreement at the bank for taking the KPR would be carried out after the two of them were married. Later, the installment payments will be charged to both of them through the join income system, which combines the income between himself and Tiara.
Next Article: One Problem With One Million Homes
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