Got a House After the lecture? Why Not ...

The new school year will come the next two months, prospective students and parents certainly have started to busy planning the future university will be chosen, some of them even had to get it.
Any cost calculations should have been done, sources of funds continue to be prepared or perhaps some even have all the funds become available.
  In this article we want to give advice to prospective students who will begin to implement lecture in a short time, it is true that the ultimate goal is to finish college education strata ranging from D3 to S1 can then proceed with the following strata S2 (Master program), S3 (Doctor course) and so on.
  Along with education programs, there is also something that is absolutely mandatory to be planned and implemented by students which is a basic program to start building wealth through planning to purchase a house or property.
Why is this important? The fact that there are so many people who have become scholars are not able to buy a home, the years they occupied the 'Taman Indah-laws' ironically even many of them let alone to buy a house, work-is still unclear, not closed them into categories disguised unemployment.
How to cope with this condition? Please note that the travel lecture travel relatively short time & was not too long (3 to 4 years, for S1) if disiasati will produce good growth in financial assets.
How? Here are five simple steps that can be considered by those candidates who, if this is done then it can be ascertained that the potential to buy a home with mortgage loans (in mortgage) in the future is quite large:
1. Starting from myself: like to learn, no one can set an optimal outcome other than ourselves, as well as financial planning studies. Start doing shopping and divide the allocation between the needs and the needs of non-lecture classes.
For the time being the only place the emphasis on expenditure by the desire (not need) with small portions, prioritize expenditure with a large portion of need (lecture & non lectures, including the investment to buy property in it).
2. Start looking for additional income: The main task of the student is learning, but it would be wise if you want to learn to be a part-time workers and / or entrepreneurship. The portion of work not be a big time-consuming, the main obligation to learn is to remain a priority.
3. Start calculating future value (future value): current conditions certainly different from the conditions of future cost increases would never decline, including the cost of buying a house.
4. Starting merencanaan purchase: it is wonderful for home purchase planning done as early as possible, cultivated when you start work and earn money (income) or at the latest five years after work or after graduation S1 (whichever is sooner).
5. Starting to invest: in order to purchase a house can be realized according to plan then required to make an investment. Investment instruments that can be used is a mutual fund that is targeted to return a row for 4, 5 and 6 years is a minimum of 14%, 18% and 20%.
To obtain the target return as above it is recommended to use a combination of Mutual Funds Mixed (RDC) and Mutual Shares Fund (RDS) in the ratio RDC: RDS is 60:40, 40:60 and 20:80 respectively for a period of 4, 5 , 6 and above. The Fund invests no big thing but are often overlooked by investors is to do the monitoring (monitoring) for at least three months. Seen that the range of budget reductions that must be done per day is between USD 13 500, - up to USD 36 500, -. This course requires 'effort' which has a goal to make the house (although with the way mortgages) can be achieved.
Readers who are wise money 'savings' can you keep this in savings, then you invest in mutual funds automatically every month. The mechanism of this investment can only be done with special instructions from you as to the Bank account holders who have become members of the Fund Selling Agent and of course must be registered with Bapepam.
Why is that? This is simply to avoid the risk of irresponsible investment ever undertaken by the banks, as in the case of Century Bank and some cases of previous banking. Especially for those of you who want to simulate an investment for the plan to purchase a house along with other calculations related to housing loans, please you send an email to us at the address artikel@efiplan.com then we will gladly send a free simulated version of Microsoft Excel 2007 to you.
Thus readers who are wise, for prospective students please do your investments correctly and diligently and undoubtedly will increase your asset growth, good luck.
Taufik Gumulya, CFP ® Financial Planner from Financial Planning Services TGRM

(Qom / Qom)

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