Ringkasan Artikel:
- Gen Z dan milenial perlu menentukan target rumah yang spesifik sesuai kemampuan finansial dan menetapkan jangka waktu menabung, baik untuk DP maupun pembelian tunai.
- Strategi keuangan yang disarankan meliputi penerapan aturan alokasi 50/30/20 serta memindahkan tabungan ke instrumen investasi seperti reksa dana untuk mendapatkan imbal hasil yang lebih optimal.
- Guna mempercepat pencapaian target, anak muda didorong untuk menambah penghasilan melalui side hustle dan disiplin mengurangi pengeluaran konsumtif yang tidak mendesak.
Cara menabung untuk beli rumah penting diketahui buat kamu yang saat ini berstatus sebagai gen-z dan milenial.
Dalam beberapa tahun ke depan, kamu akan mengambil salah satu keputusan finansial penting dan besar dalam hidup, yaitu membeli properti untuk tempat tinggal.
Pilihan propertinya bisa bermacam-macam. Untuk rumah, misalnya kamu membeli Terravia yang harganya mulai Rp2,3 miliar. Sedangkan untuk apartemen, bisa saja pilihanmu jatuh pada Klaska Residence.
Jika uang untuk membeli rumah pertama tak disiapkan secara matang, kamu akan mengalami kebingungan.
Sebagai panduan untukmu, berikut adalah beberapa cara menabung yang benar untuk beli rumah.
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| No | Strategi | Fokus Utama | Instrumen | Tujuan |
|---|
| 1 | Aturan 50/30/20 | Alokasi Gaji | Tabungan/Investasi | Kedisiplinan Keuangan |
| 2 | Investasi Pasar Uang | Jangka Pendek | Reksa Dana Pasar Uang | Dana DP Rumah |
| 3 | Investasi Obligasi | Jangka Menengah | Reksa Dana Obligasi | Dana Beli Tunai |
| 4 | Investasi Saham | Jangka Panjang | Reksa Dana Saham/Indeks | Pertumbuhan Aset Maksimal |
| 5 | Side Hustle | Penghasilan Tambahan | Pekerjaan Lepas/Bisnis | Mempercepat Target |
1. Tentukan Target Rumahnya Secara Spesifik
Langkah pertama tentu saja adalah menentukan rumah yang akan kamu incar untuk dibeli.
Kamu bisa memanfaatkan aplikasi jual beli rumah seperti Rumah123 agar lebih mudah mendapatkan informasinya secara detail, mulai dari harga, lokasi, spesifikasi unit, hingga fasilitas.
Properti baru yang ada di Rumah123 misalnya adalah Klaska Residence yang dibanderol mulai dari Rp700 Juta-an.
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Namun pastikan, kamu membeli rumah yang harganya sesuai dengan penghasilan per bulan saat ini.
Dilansir dari Kompas.com, founder PT Daya Uang Indonesia Tangguh, Lolita Setyawati mengatakan, rumus dasar membeli rumah dengan harga sesuai adalah menghitung lima kali penghasilan tahunan dengan batasan maksimal harga rumah
Contohnya, jika kamu memiliki penghasilan Rp10 juta per bulan, maka perhitungannya adalah: Rp10 juta x 13 bulan x 5 = Rp650 juta.
Jadi, harga rumah maksimal yang bisa kamu beli jika penghasilan per bulannya Rp10 juta adalah R650 juta.
2. Atur Target dan Jangka Waktu Menabung
Cara menabung untuk beli rumah selanjutnya adalah, menentukan berapa uang yang mesti kamu kumpulkan, dan berapa lama waktu kamu menabung.
Untuk bisa menentukan target tersebut, kamu harus menentukan, apakah akan membeli rumahnya secara kredit atau cash.
Jika secara kredit berarti target kamu adalah mengumpulkan uang untuk membayar DP dan biaya awal lainnya.
Cek laman KPR Rumah123 agar kamu bisa membandingkan produk KPR satu bank dengan bank lainnya secara lebih praktis.
Sementara, jika ingin membeli rumah secara cash dari developer, kamu harus mengumpulkan uang untuk total pembelian rumahnya.
Nah, untuk jangka waktunya, kamu bisa memiliki jangka pendek-menengah untuk mengumpulkan DP, dan jangka panjang untuk membeli rumah secara cash.
3. Terapkan Aturan 50/30/20
Menurut laman Select CNBC.com, 50/30/20 adalah aturan standar dalam mengatur pengeluaran dan menabung bulanan.
Menurut aturan tersebut, kamu harus mengalokasikan 50 persen penghasilan untuk kebutuhan hidup, 30 persen untuk keinginan, dan 20 persen untuk menabung dan bayar utang.
Jadi, uang menabung untuk beli rumah masuk ke dalam porsi 20 persen tersebut, termasuk uang untuk dana pensiun dan dana darurat.
4. Jangan Hanya Andalkan Tabungan Konvensional dari Bank
Sebaiknya, jangan hanya mengandalkan tabungan konvensional dari bank saja.
Itu karena, bunga dari tabungan konvensional relatif kecil jika dibandingkan dengan instrumen investasi.
Jadi, kamu bisa menggunakan beberapa instrumen investasi yang memberikan imbal hasil menguntungkan sesuai dengan profil risiko masing-masing.
Laman Mandiri Sekuritas, most.co.id merekomendasikan instrumen investasi seperti reksa dana, saham, dan emas.
Namun untuk pemula, sebaiknya kamu bisa mencoba dulu berinvestasi di reksa dana. Pasalnya, uang yang kamu setorkan akan tersimpan di bank kustodian dan dikelola oleh manajer investasi, yang memang ahli di bidangnya.
Tipsnya, kamu harus memilih produk reksa dana dan manajer investasi tepercaya, seperti Manulife, Succor, Eastspring, BNI, Mandiri, dan lain-lain.
Beberapa produk reksa dana yang terkenal, di antaranya adalah reksa dana pasar uang, obligasi, saham, dan indeks.
Reksa dana pasar uang cocok untuk jangka pendek, reksa dana obligasi untuk jangka menengah, dan reksa dana saham atau indeks saham cocok untuk jangka panjang.
Instrumen reksa dana pasar uang bisa memberikan imbal hasil 4-5 persen, dan cenderung stabil dan terus mengalami peningkatan setiap tahunnya.
Lalu, reksa dana obligasi mampu memberikan return dari 5-8 persen per tahunnya jika kamu menabung lebih dari tiga tahun. Namun, terdapat fluktuasi harga tingkat menengah dari reksa dana obligasi.
Selanjutnya, reksa dana saham dan indeks saham bisa memberikan imbal hasil hingga 8-10 persen per tahun, dalam jangka panjang.
Namun tentu saja, fluktuasi harga reksa dana dan saham termasuk tinggi. Jadi, kamu mesti siap melihat portofolio pribadi mengalami penurunan harga dalam jumlah besar.
5. Tambah Penghasilan
Certified financial planner (CFP) Annisa Steviani mengatakan, untuk menambah penghasilan itu bukan dengan berinvestasi, tapi dengan bekerja.
Investasi itu hanya kendaraan untuk mencapai tujuan finansial. Jadi, jangan berharap, uang dari hasil investasi bisa bertambah berkali-kali lipat dalam jangka waktu pendek.
“Sebenarnya investasi itu bukan cara untuk menambah uang kamu. Jadi kalau dalam financial planning, cara untuk menambah penghasilan adalah dengan bekerja, bukan dengan investasi,” kata Annisa melalui unggahan video Instagram resmi Lawan Covid-19 seperti dikutip dari laman Bisnis.com.
Jika kamu sudah bekerja, ada dua cara untuk menambah penghasilan.
Pertama, kamu harus berusaha agar naik jabatan di tempat kerja sekarang, agar penghasilan per bulannya bisa meningkat.
Kedua, kamu bisa mencari penghasilan tambahan di luar pekerjaan sekarang atau side hustle.
6. Kurangi Pengeluaran
Cara menabung untuk beli rumah berikutnya adalah dengan mengurangi pengeluaran yang sebelumnya tidak terlalu penting.
Menurut laman Fortune.com, beberapa tips agar kita bisa hemat dalam pengeluaran adalah:
- membeli produk diskon atau dalam jumlah besar agar harganya lebih murah;
- membatasi belanja untuk kesenangan sementara, seperti membeli makan di restoran mahal atau membeli baju di toko branded;
- berbagi produk langganan bersama keluarga, seperti Netflix atau Canva; dan
- memanfaatkan produk gratis.
***
Jadi, itu dia beberapa cara menabung untuk beli rumah bagi gen-z dan milenial.
Dengan menerapkan cara tersebut, kamu berpeluang untuk mempersiapkan uang untuk pembelian rumah secara lebih matang.
Jika rumah sudah terbeli, kamu tak perlu repot-repot lagi harus tinggal dari satu kos ke kos lainnya, atau dari satu rumah kontrakan ke rumah kontrakan lainnya.
Ada pertanyaan lain seputar cara menabung beli rumah? Ngobrol bareng member dan expert di Teras123 yuk.
Tentu, ini adalah penyesuaian format FAQ untuk artikel Anda menggunakan struktur shortcode yang diminta:
Pertanyaan Umum Menabung Rumah
Berapa harga rumah ideal yang sesuai dengan gaji saya?
Idealnya, harga rumah maksimal adalah 5 kali dari total penghasilan tahunan Anda. Contohnya, jika gaji Rp10 juta per bulan, maka target harga rumah yang realistis adalah sekitar Rp650 juta.
Apa itu aturan 50/30/20 dalam menabung rumah?
Ini adalah rumus alokasi gaji standar: 50% untuk kebutuhan pokok, 30% untuk keinginan, dan 20% disisihkan khusus untuk tabungan beli rumah, dana darurat, serta investasi.
Instrumen investasi apa yang cocok untuk dana beli rumah?
Untuk jangka pendek, reksa dana pasar uang sangat disarankan. Sedangkan untuk jangka menengah hingga panjang, Anda bisa memilih reksa dana obligasi atau saham untuk mendapatkan imbal hasil yang lebih optimal.
Apakah cukup hanya mengandalkan tabungan bank konvensional?
Tidak disarankan, karena bunga tabungan bank biasanya lebih kecil dibanding kenaikan harga properti tiap tahunnya. Menggunakan instrumen investasi membantu dana Anda tumbuh lebih cepat mengikuti inflasi.
Bagaimana cara tercepat untuk mengumpulkan uang muka (DP) rumah?
Selain disiplin memangkas pengeluaran yang tidak perlu, Anda bisa mempercepat prosesnya dengan mencari penghasilan tambahan (side hustle) atau fokus meningkatkan karier untuk menambah kapasitas menabung bulanan.
Referensi
- Artikel Fortune berjudul “Buying a house? Here’s how to save (and how much)”: https://fortune.com/recommends/mortgages/how-to-save-money-for-a-house/. Diakses pada 13 Februari 2024.
- Artikel CNBC berjudul “CFPs weigh in: Here’s the best place to put your money when saving for a house”: https://www.cnbc.com/select/where-to-put-your-money-to-save-for-a-house/. Diakses pada 13 Februari 2024.
- Aritkel Kompas.com berjudul “Dengan Gaji Rp 10 Juta Per Bulan, Berapa Harga Rumah yang Bisa Dibeli Milenial?”: https://www.kompas.com/properti/read/2022/10/01/110000721/dengan-gaji-rp-10-juta-per-bulan-berapa-harga-rumah-yang-bisa-dibeli. Diakses pada 13 Februari 2024.
- Artikel MOST berjudul “Berencana Beli Rumah? Ini Dia 3 Instrumen Investasi Terbaik Bagi Anda”: https://www.most.co.id/tips-investasi/berencana-beli-rumah-ini-dia-3-instrumen-investasi-terbaik-bagi-anda. Diakses pada 13 Februari 2024.
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