Financial Tips 2023: Want To Buy A Residential? Make Financial Conditions First!

Illustration. (Photo: Doc. Antara)

JAKARTA - My Financial Founder Melvin Mumpuni provides tips on financial resolution in 2023, especially in buying property or housing, one of which is by first nourishing financial conditions.

"Whatever conditions will occur in our country, if we are ready and safe financially, we will be much calmer," he said in a press statement, quoted from Antara, Sunday, January 15.

He then revealed a framework to prioritize finance, namely my financial planning pyramid. The bottom pyramid, he called the financial security foundation including cash flow, emergency funds, loans, and risk management.

The forms vary, such as accounts, deposits, gold, RDPU, life insurance, critical disease insurance, and health insurance. According to him, if the financial security foundation has been met, then then go to the investment stage.

"But my first suggestion is that we must be financially healthy first. Because when we are financially healthy, we are more confident in buying a house," said Melvin.

Next, Melvin suggests finding and manifesting a house. He gave an example, if someone is looking for a house on the Pinhome website, then there will be many homes that are price-appropriate. Melvin suggests trying to visit the desired house.

"Buive it or not, there is a house with a certain price that makes you curious, let's just try to come. Iseng (go first), then we manifest it," he said.

According to him, if someone comes to an interesting model house to buy, and imagines every corner of the room in the house, then he has made a manifestation.

"Believe it or not, if you manifest, you can go there. That is the law of attraction," said Melvin.

Furthermore, Melvin advises someone who wants to have a place to count and do DP simulations and installments. In this way, he will be closer to his dream of owning a home.

Then, carry out the stages of buying a house according to the action plan.

Make sure you understand the calculation and routine investment every month, don't just dig in and be consistent. If so, then review regularly once a month. Then, buy the house or property. So that's how simple it is," said Melvin.

Meanwhile, regarding the issue of recession in 2023, Head of Agent Account Management Pinhome Panca Satria, said that people need not be afraid and worried because the property industry itself is a basic or primary need.

"Instead of hanging out every day, spending money on consumptive things, let's start, don't worry about the amount of the DP and others. Because in Pinhome, we are ready to help property seekers to find their dream home," said Panca.

Panca also shares residential tips that are currently trending and tend to be a choice of millennials when buying property. According to him, millennials currently like minimal modern housing, full-furnished, strategic locations, easy accessibility, and affordable prices.

Furthermore, he said that affordable property prices are a very important aspect, because usually buying property alone has become a scourge at the beginning due to high DP. Panca advised the public to look for the type of property primary.

"Because (this type of property) is on average not only affordable in terms of prices, but also affordable in terms of payment methods. For example, DP can be paid in installments, etc.," he said.

He said the one-stop property e-commerce platform (the end-to-end he manages is ready to help property seekers to find their dream home that fits the budget by paying according to their abilities.