13 Cara Beli Rumah dengan Gaji Kecil 2 Juta, 3 Juta, dan 4 Juta

- 14.03

Tips dan Cara Beli Rumah dengan Gaji Kecil 2 Juta, 3 Juta, 4 Juta

Cara beli rumah dengan gaji kecil --- Rumah ialah tempat terindah untuk pulang. Namun, tak semua orang mampu memiliki rumah pribadi. Itulah kenapa banyak orang yang memutuskan untuk mengontrak rumah? Pertanyaannya, mau sampai kapan? Rumah sudah semestinya menjadi indentitas. Artinya, ada generasi yang mewarisi tempat tersebut. Itu tidak akan terjadi jika hanya dengan mengontrak rumah, karena sifatnya hanya sementara.

Membeli rumah memang tidak mudah dan tidak murah, apalagi bagi sobat yang punya upah rendah, gaji UMR, atau yang tergolong pas-pasan. Tak perlu khawatir, di sini sobat akan diberikan 13 langkah dan cara beli rumah dengan gaji kecil, seperti gaji 2 juta, 3 juta, dan 4 juta. Namun, pastikan sobat mencatat 13 langkah berikut ini + dengan SIMULASI PERHITUNGANNYA yang tersaji di bagian akhir artikel ini.

1. Tentukan Anggaran untuk Pembelian Rumah


Cara Gaji 2 Juta Ingin Punya Rumah

Inilah langkah pertama cara beli rumah dengan gaji kecil. Bagi sobat yang bergaji 4 juta, 3 juta, apalagi yang bergaji 2 juta ingin punya rumah, maka di sini sangat ditekankan untuk memahami kemampuan finansial terlebih dahulu. Dari sanalah kemudian sobat bisa menentukan anggaran berapa harga rumah atau rumah yang seperti apa yang ideal.

Harga rumah memang fleksibel, setiap daerah pasti memiliki standar harga yang berbeda-beda. Oleh karena itu, saya menyarankan agar sobat memilih rumah dengan desain minimalis. Kenapa? Ya, rumah tipe inilah yang memiliki harga yang lebih terjangkau. Untuk kisaran gaji 2 s.d. 4 juta, saya rasa masih layak. Gaji 1 juta bisa juga, gak? Saya belum yakin.

Perlu sobat ketahui, rumah minimalis memiliki berbagai macam tipe, ada tipe 21, tipe 36, tipe 45, dan seterusnya. Setiap tipe memiliki harga yang berbeda-beda. Biasanya, semakin besar tipe rumah, semakin mahal harganya.

Nah, bagi sobat yang bergaji 2 juta ingin beli rumah, tipe 21 bisa menjadi pilihan utama. Bagi sobat yang bergaji 3 juta dan 4 juta per bulan, tipe 36 bisa menjadi pilihan utama. Khusus untuk tipe 45, saya masih ragu apakah gaji 4 juta bisa atau tidak, tapi ini sangat fleksibel. Banyak faktor yang memengaruhi harga rumah.

2. Tentukan Kapan Mau Beli Rumah


Bagian ini juga tidak kalah penting. Pasalnya, ini nantinya akan berkorelasi dengan hal-hal lain, seperti penentuan down payment (DP), metode pembayaran (kredit atau tunai), cara mengamankan uang (menabung), hingga metode untuk memaksimalkan pendapatan (investasi).

Misalnya, sobat ingin membeli rumah 5 tahun lagi dengan cara kredit, maka sobat harus menabung untuk mempersiapkan uang DP beserta cicilannya. Begitu pun sebaliknya, jika sobat ingin membeli rumah secara tunai, maka sediakanlah uang secara cash. Inilah yang disebut dengan membangun perencanaan.

3. Pastikan bahwa Sobat Sudah Tidak Memiliki Utang


Inilah tips dan cara beli rumah dengan gaji kecil selanjutnya. Ya, pastikan bahwa sobat sudah tidak memiliki utang! Kenapa? Tentu saja, akan sangat sulit jika harus membagi fokus. Pasalnya, membeli rumah pasti akan menyedot banyak dana, apalagi bagi sobat yang bergaji UMR dan pas-pasan. Oleh karena itu, jika ingin menabung untuk beli rumah, lunasi dulu semua utang-utangnya, ya...

4. Atur Kembali Pengeluaran Bulanan


Langkah-langkah Gaji 2 Juta Ingin Beli Rumah

Seperti yang saya bilang sebelumnya, membeli rumah pasti akan banyak menguras “keringat”. Sobat dituntut harus benar-benar hemat, terutama dalam hal pengeluaran bulanan. Jika biasanya sobat pergi shopping sekali seminggu, ubahlah kebiasaan itu dengan shopping cukup sekali setahun, ketika lebaran saja. Hehehe. Intinya, hal-hal yang bersifat sekunder atau komplementer, ditunda dulu, atau paling tidak, dikurangi secara maksimal.

5. Mulailah Menabung segera


Menabung ialah cara yang terbaik untuk menyelamatkan penghasilan. Setuju? Ya, itulah kenapa saya masukkan menabung sebagai salah satu langkah atau cara beli rumah dengan gaji kecil. Ini semua bertujuan untuk memastikan bahwa uang pembelian rumah tersedia. Percayalah, tidak mudah merealisasikan gaji 4 juta, 3 juta, atau 2 juta ingin punya rumah, namun bukan berarti tidak bisa. Ini tergantung bagaimana mind set dan life style sobat.

Bagi sobat yang masih mengedepankan pola hidup konsumtif, menabung bisa menjadi berat. Nah, untuk membangun kebiasaan menabung, cobalah untuk melakukannya sesegera mungkin dan secara perlahan.

Kira-kira, berapa persentase atau besaran penghasilan yang harus disisihkan untuk ditabung? Saya sangat menyarankan untuk semaksimal mungkin. Namun, sekurang-kurangnya 20% dari penghasilan (gaji pokok).

6. Berikan Porsi yang Cukup untuk Investasi


Tips dan Cara Menabung Emas untuk Beli Rumah

Jika menabung merupakan cara terbaik mengamankan uang, maka investasi ialah cara terbaik untuk menyuburkan uang, setuju? Sebenarnya, istilah investasi tidak jauh berbeda dengan menabung.

Pasalnya, sobat pasti pernah mendengar istilah “menabung saham” dan “menabung emas”, bukan? Nah, sistem menabung seperti itu bisa disebut sebagai “menabung produktif”. Ini hanya masalah pengertian saja. Tujuan menabung dan investasi sebenarnya hampir sama yaitu menghindari uang dari kegiatan konsumtif.

Berbicara tentang investasi, maka kita pasti akan mengarah kepada “untung” dan “rugi”. Ingat, tidak ada satu pun investasi yang bebas dari risiko. Yang ada, hanya investasi yang minim risiko. Oleh karena itu, carilah investasi yang minim risiko tersebut. Saya merekomendasikan agar sobat berinvestasi pada emas. Dengan kata lain, menabung emas.

Kenapa harus emas? Ya, emas tidak dipengaruhi oleh inflasi. Selain itu, nilainya juga cenderung stabil dan berpotensi untuk menguat. Kenaikan rata-rata nilai emas ini bisa mencapai 25% per tahun, terutama emas logam mulia. Meskipun begitu, sobat boleh berinvestasi pada sektor lain. Namun, pastikan investasi tersebut rendah risiko dan sobat paham mengenainya.

7. Usahakan Cari Pendapatan Lain-lain


Jangan hanya terpaku pada gaji semata. Usahakan cari cara untuk memperoleh penghasilan tambahan. Itu pun jika sobat memiliki keinginan besar untuk beli rumah. Percayalah, kecil atau besar pendapatan lain-lain yang sobat dapatkan, itu tidak akan menjadi masalah. Setidaknya, dengan pendapatan lain-lain tersebut bisa menutupi pengeluaran tak terduga.

8. Tentukan Cara Pembelian Rumah; Mau Tunai atau Kredit?


Trik dan Cara Membangun Rumah dengan Gaji Kecil

Nah, untuk menentukan cara pembelian rumah yang tepat, ada baiknya sobat memahami dengan baik terlebih dahulu mengenai dua sisitem pembelian rumah ini. Kenapa? Ini bertujuan untuk menentukan sistem mana yang cocok dengan kondisi keuangan sobat. Kira-kira menurut sobat, yang mana bisa dijadikan sebagai alternatif cara beli rumah dengan gaji kecil? Jika masih bingung, mari lihat pembahasan berikut ini.

A. Pembelian Rumah secara Tunai

Ada beberapa kelebihan dari sistem ini, misalnya sobat akan langsung memiliki hak penuh (surat-surat) kepemilikan rumah. Artinya, kapan saja sobat bisa menjual rumah tersebut kembali. Kemudian, sobat juga tidak akan terbebani dengan adanya bunga cicilan, harga rumah masih memungkinkan untuk dinegosiasikan lagi, dan sebagainya.

Meskipun begitu, sistem pembelian tunai ini juga memiliki beberapa kekurangan, misalnya sobat harus menyediakan full biaya pembelian rumah di awal. Tentu saja, ini sangat memberatkan, terutama bagi sobat yang bergaji 4 juta, 3 juta, atau 2 juta ingin beli rumah.

Ditambah lagi, jika terjadi permasalahan dalam hal kepemilikan, seperti rumah bodong, rumah tanpa izin, dan seterusnya, maka potensi kerugian bisa jauh lebih besar. Bisa-bisa, uang sobat lenyap begitu saja.

B. Pembelian Rumah secara Kredit


Jika membeli rumah secara kredit, umumnya orang-orang langsung mengacu pada Kredit Perumahan Rakyat (KPR). Sistem KPR ini menawarkan beberapa keunggulan. Pertama, sobat bisa lebih mudah untuk meyakinkan penjual rumah atau agen real estate, terlebih jika harga rumah tersebut bernilai cukup besar.

Selain itu, sobat juga bisa melakukan negosiasi terhadap harga rumah karena ada pihak KPR yang menjadi “penguat posisi” sobat. Dengan kata lain, potensi kegagalan dalam hal transaksi bisa diminimalisasi. KPR memang sering dijadikan solusi bagi siapa saja yang tidak membeli rumah secara tunai.

Namun, ada beberapa persyaratan yang harus sobat penuhi dalam mengajukan KPR. Salah satunya yaitu standar gaji per bulan. Apabila gaji sobat tidak memenuhi standar yang ditetapkan, maka sobat tidak bisa mengajukan KPR. Namun jangan khawatir, khusus bagi sobat yang bergaji maksimal 4 juta, sobat bisa memanfaatkan KPR subsidi.

Ada beberapa keunggulan KPR subsidi, misalnya suku bunga yang relatif lebih rendah, yaitu flat 5%, dan jangka waktu peminjaman yang lebih lama, bisa mencapai 20 tahun. Tapi ingat, KPR subsidi ini hanya dikhususkan bagi sobat yang belum pernah memiliki rumah sebelumnya. Menurut sobat, mana cara beli rumah dengan gaji kecil yang cocok untuk sobat? Apakah sistem tunai atau kredit?

9. Jika Beli Tunai, Belilah Rumah yang Valuable


Sebelumnya sobat sudah mendapatkan gambaran mengenai sistem pembelian rumah secara kredit dan tunai. Nah, bagi sobat yang memilih jalan tunai, maka carilah rumah yang valuable. Menempatkan ekspektasi yang cukup (tidak berlebihan) untuk mendapatkan rumah terbaik, saya rasa tidak ada masalah. Lalu, seperti apa rumah yang valuable tersebut? Rumah yang berharga kompetitif dan berlokasi strategis!

Memang, semakin strategis lokasi unit rumah, biasanya harganya juga semakin mahal. Jika tidak memungkinkan, setidaknya sobat mencari rumah yang “cukup strategis”. Misalnya, carilah rumah jauh dari potensi banjir berat, tidak sulit dalam hal akses transportasi, dan tidak begitu jauh dari rumah sakit/puskemas, pasar/supermarket, dan fasilitas umum lainnya. Tidak harus dekat, asalkan tidak begitu jauh (masih dalam takaran normal).

10. Jika Beli dengan KPR, Carilah Bank yang Kredibel & Menawarkan Bunga Rendah

Cara Beli Rumah dengan Gaji Kecil 2 Juta, 3 Juta, dan 4 Juta

Ada beberapa bank yang mungkin bisa menjadi rekomendasi sobat dalam mengajukan KPR. Tentu saja ini tidak mutlak, jika sobat mampu mencari yang "lebih baik", maka carilah!

1. Bank Tabungan Negara (BTN)


Ketika saya kuliah dahulu, pernah seorang dosen mata kuliah Manajemen Perbankan bertanya kepada kami, “apa yang Anda ketahui mengenai BTN”. Kami satu lokal semuanya sepakat menjawab, “kredit rumah, pak...” Ya, BTN memang terkenal dengan produk tersebut. KPR dari BTN ini memiliki beberapa keunggulan.

Pertama, bisa dimanfaatkan baik untuk pembelian rumah dari developer maupun non developer. Kemudian, KPR BTN juga dapat digunakan untuk cicilan rumah baru, rumah second, untuk pembelian rumah siap huni (ready stock), rumah belum jadi (indent), dan take over kredit dari bank lain. Nah, untuk suku bunga, BTN menawarkan mulai 8,75% fixed selama satu, tiga, dan lima tahun.

2. Bank Negara Indonesia (BNI)


Untuk masalah kredibilitas, BNI sudah tidak perlu lagi diragukan. Pasalnya, saya pun juga menjadi nasabah bank ini. Hehehe. Btw, BNI saat ini menyediakan suku bunga KPR fixed sebesar 6,75% untuk dua tahun pertama, kemudian 7,75% untuk dua tahun berikutnya.

3. Bank Mandiri


Nah, jika sobat mengajukan KPR di Bank Mandiri, maka sobat harus menyediakan dana lebih terutama untuk biaya administrasi, notaris, taksasi agunan, premi asuransi, dan seterusnya. Meskipun begitu, Bank Mandiri menawarkan suku bunga KPR spesial hanya 5,55% fixed khusus untuk dua tahun pertama, dan 6,55% untuk tiga tahun selanjutnya.

4. Bank Central Asia (BCA)


Sobat mungkin tidak asing lagi dengan bank ini, bukan? Ya, bank yang memiliki ATM tersebar di mana-mana ini memang sudah mendunia. Pasalnya, berdasarkan 2018 BrandZ Global Top 100 Most Valuable Brands, BCA termasuk ke dalam 100 perusahaan dengan nilai brand tertinggi di dunia, tepatnya berada pada peringkat 99. Menakjubkan, bukan?

Lalu, berapa tingkat suku bunga KPR di BCA? Suku bunganya bisa dikatakan relatif rendah, yaitu 5,88% selama tiga tahun. Dengan bunga yang relatif rendah ini, masyarakat akan dimudahkan dalam mewujudkan mimpi untuk memiliki rumah sendiri.

11. Manfaatkan Lelang Rumah


Lelang rumah bisa dijadikan sebagai alternatif cara beli rumah dengan gaji kecil. Pasalnya, dengan skema pembelian lelang rumah ini, sobat bisa mendapatkan harga rumah yang lebih murah. Kenapa lebih murah? Ya, rumah yang dilelang ini merupakan rumah hasil sitaan karena pihak debitur KPR gagal atau tidak mampu melunasi cicilan kepada bank.

Meskipun begitu, ada baiknya juga sobat mengecek terlebih dahulu bagaimana kondisi rumah tersebut, apakah masih layak huni, tidak sulit dalam hal akses transportasi, bebas banjir, dan seterusnya.

12. Cari Informasi Rumah yang Dijual secara Mendesak


Cara Terbaik Gaji Pas-pasan Beli Rumah


Secara psikologis, seseorang yang menjual rumah secara mendesak, itu artinya ia sedang mengalami tekanan. Orang yang sedang tertekan itu bisa sobat “manfaatkan”. Meskipun sama-sama membutuhkan, namun sobat berada pada posisi yang lebih baik (di atas angin). Tapi ingat, cek kembali kondisi rumah beserta komponen-komponennya. Pastikan itu masih sesuai dengan kriteria yang sobat tetapkan.


13. Berkolaborasi dengan Anggota Keluarga


Inilah tips dan cara beli rumah dengan gaji kecil yang terakhir. Jika sobat memiliki istri dan anak-anak, tidak ada salahnya mengajak mereka untuk ikut berpartisipasi dalam mengumpulkan uang untuk pembelian rumah. Sedikit lebih baik daripada tidak sama sekali, bukan?

#Berikut Contoh Hitung-hitungan Membeli Rumah secara Tunai dan Kredit dengan Gaji 2 Juta, 3 Juta, dan 4 Juta


Biaya kos/kontrakan per bulan                     = 500.000
Biaya kebutuhan pokok per bulan               = 700.000
Biaya lain-lain dan tak terduga per bulan  = 300.000

Total biaya pengeluaran per bulan = 1,5 juta. Sisa gaji sobat bisa dialokasikan untuk dana tabungan & investasi.

Bagi sobat yang bergaji 2 juta, maka dana tabungan & investasi yang tersedia yaitu 500 ribu (2 juta - 1,5 juta). Sedangkan bagi sobat yang bergaji 3 juta, maka dana tabungan & investasi yang tersedia yaitu 1,5 juta (3 juta - 1,5 juta). Kemudian bagi sobat yang bergaji 4 juta, maka dana tabungan & investasi yang tersedia yaitu 2,5 juta (4 juta - 1,5 juta).

Saya berasumsi bahwa sobat akan sanggup mendapatkan keuntungan sebesar 10% per bulan dari pemanfaatan dana tabungan & investasi tersebut. Artinya:

500 ribu x 10% = 50 ribu.
1,5 juta x 10% = 150 ribu.
2,5 juta x 10% = 250 ribu

Total uang tabungan & investasi bagi yang bergaji 2 juta = 500 ribu + 50 ribu = 550 ribu per bulan.

Total uang tabungan & investasi bagi yang bergaji 3 juta = 1, 5 juta + 150 ribu = 1,65 juta per bulan.

Total uang tabungan & investasi bagi yang bergaji 2 juta = 2,5 juta + 250 ribu = 2,75 juta per bulan.

Jika sobat bergaji 2 juta ingin beli rumah dengan harga 120 juta secara tunai, maka perkiraannya sebagai berikut:


(120 juta : 550 ribu) : 12 bulan = 18,2. Artinya, untuk bisa mengumpulkan uang sebesar 120 juta, maka sobat harus menempuh waktu selama 18 tahun 2 bulan.

Jika sobat bergaji 2 juta ingin punya rumah dan membeli secara kredit dengan KPR, maka perkiraannya sebagai berikut:


Total sisa gaji = 500 ribu (di luar hasil keuntungan tabungan & investasi).
Jika dipersentasekan, ternyata sisa gaji 500 ribu tersebut merupakan 25% dari total gaji (25% x 2 juta). Sisa gaji tersebut bisa sobat sisihkan sebagai down payment (DP) untuk cicilan KPR.

Misalnya, sobat konsisten menyisihkan 500 ribu per bulan selama lima tahun. Artinya, sobat akan memiliki dana sebesar 30 juta (500 ribu x 60 bulan) dalam lima tahun.

Jika 25% dari gaji sobat tersebut (500 ribu) ditetapkan sebagai angsuran cicilan KPR, maka bank kemungkinan besar akan menyetujuinya. Kenapa? Bank biasanya akan menolak pengajuan KPR jika angsuran cicilan melebih 40% dari gaji. Ini berarti angka 25% masih terbilang layak.

Seperti yang saya jelaskan sebelumnya, bagi sobat yang bergaji 2 juta, 3 juta dan 4 juta, maka sobat bisa memanfaatkan KPR subsidi yang mana jangka waktu peminjamannya bisa mencapai 20 tahun. Dengan demikian, maka harga rumah yang bisa sobat ajukan untuk KPR yaitu sebesar 120 juta. Rinciannya sebagai berikut:

500 ribu x 240 bulan (20 tahun) = 120 juta

Hitungan-hitungan tersebut di atas memang masih kasar, tapi setidaknya bisa memberikan gambaran secara komprehensif. Saran saya, pilihlah KPR dengan cicilan flat di awal. Dengan demikian, sobat bisa mempersiapkan dana lagi untuk cicilan floating di tahun-tahun berikutnya. Ini juga tergantung bank mana yang sobat pilih untuk pengajuan KPR.

Nah, bagi sobat yang bergaji 3 juta dan 4 juta, silahkan menggunakan contoh perhitungan pada contoh kasus gaji 2 juta di atas.

Itulah tips, trik, dan cara beli rumah dengan gaji kecil + dengan perhitungannya. Saya sangat berharap informasi ini bisa bermanfaat bagi sobat semua. Saya juga terbuka untuk kritikan, saran, dan pertanyaan-pertanyaan dari sobat.
SILAHKAN SOBAT TINGGALKAN JEJAK DI KOLOM KOMENTAR, YA... J


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