Setelah menikah selama kurang lebih 4 tahun,
pertanyaan umum yang seringkali ditanyakan selain sudah punya anak adalah sudah
beli rumah atau belum. Well, ini actually borderline
privacy but we all know too well our culture, aren't we? I completely
understand that for most of majority people, to finally owning a property is
indeed an achievement or at least a milestone in life, even sometimes it is the
only storage for a life long wealth. I get it.
For me and my husband, we have been discussing to
purchase our first property even before we got married. Kami melakukan beberapa perhitungan untuk
langsung beli rumah atau nggak, making long list of pros and cons -
which we are very happily now that we did not choose to purchase a house before
we got married. Karena akhirnya kami berpindah dari sisi timur ke
barat selatan Jakarta, ga kebayang kalau harus tiap hari menghadapi kemacetan
sepanjang jalan kenangan.
I personally believe when we buy our first house, it will be a place for us to anchor our family, we are not speaking of three to five years down the road, we are talking about twenty to fifty years to the future. There are handful of stake to consider, we know we will take the mortgage for homeownership and hence we have been looking for the information years in advance. We have been going to plenty of open house and talk to handful of property agents. We believe, we indeed have done our due diligent through and thoroughly.
And finally, the day comes... nearly 4 years to our wedding anniversary.
Why purchasing a house now?
We know and we planned to purchase our house within first 5 years of marriage, we took time to collect our consideration of our ideal house (and based on our budget for sure). We were busy thinking where to settle our little family. Kami adalah kaum mendang-mending garis keras, with our hard earned money filled with sweat tears and blood, dan sebagai pasangan muda yang masih bercita-cita untuk membuat rumah filled with our hopes, dreams, love, and happiness, we are indeed have to be meticulous alias banyak mau.
Why now? Because the opportunity has appeared themselves. We’ve made it very clear that we would do homeownership within first 5 years, so now it’s like the plan and the opportunity have finally met at the intersection.
Consideration before purchasing first home for a
family home
BUDGET
Dah lah ya, ini udah pasti nomer satu against all odds, kecuali duitnya udah
nggak ada seri nya. Pastinya dengan segala pertimbangan kewajiban,
kebutuhan dan keinginan keluarga. Forecast pendapatan dan resiko yang diambil
kedepannya. Untuk yang ambil perumahan di dalam cluster, please pay attention to IPL cost, it will only keep increasing alongside
with inflation and it is to pay it every month and consider who manage the estate, is it big corp or small-medium one (there is huge disparity). Please ask a lot of people about this.
Untuk pengambil rumah secondary dengan KPR, harap menyisihkan tambahan 10% dari biaya Down Payment untuk
biaya KPR & Pajak (Pajak, KPR, Notaris, Balik Nama, dll).
LOCATION
You can always renovate and decorate your house, but
not placing and displacing the home anywhere we please. Lokasi adalah harga mati. Kami percaya bahwa the best
way to define location adalah dengan meninggali lokasi tersebut dalam beberapa
waktu, baik lewat sewa rumah atau ngekos di daerah tersebut. Perhatikan preference keluarga juga, suka yang
hening atau yang ramai, fasilitas terdekat apa aja, keamanan saat beraktifitas
sehari-hari, keadaan saat pagi, siang, malam, dan di jam kantor, tingkat
kemacetan (wajib buat yang tinggal di Jabodetabek).
We tried (within our power) to foresee where we would work and how many hours on the road that we will tolerate everyday, the access to greeneries (our liking), the quieter and niche side of urban (our liking too), yet quite close enough to help my-jiwa warga lokal yang doyan jajan.
ENVIRONMENT
One of the reason kenapa kita agak nekat ambil rumah
di lokasi saat ini, walaupun agak over budget adalah lingkungan yang sangat
memadai, cluster besar yang cenderung aman dan stabil. Selain itu, di cluster
masuk perumahan ada masjid besar yang bisa didatangi setiap waktu solat. Pak
suami yang sangat rajin olahraga pun bisa happy lari 5-10 kilo di dalem
komplek. Kualitas udara, air, kemudahan dalam bertransportasi, tingkat
kemacetan, tingkat keamanan, seberapa dekat dengan fasilitas umum, etc.
At least, for next 10 years, it looks make sense to be around
here.
THE HOUSE
What does your family needs? How many in the family? Big space or small space, rumah tumbuh yang dibangun bertahap atau mau sudah
jadi sedari awal, satu lantai atau dua lantai, seberapa luas tempat yang
dibutuhkan, is there any ART or Nanny
in-house in the future? Go ahead and feel free to decide. We did some consideration what sort of building we are looking for, such as:
- Land Size > 120 sqm
- Big yard
- 2 Story House
- Plenty of natural light and wind
- No neighbor house right in front of the house
- ROW Jalan lebih dari 8 meter (I always try to be considerate because we often have plenty of visitors)
- Carport for two
- Ensuite bathroom for master bedroom
- Some available space for future needs
- We do still hesitate whether we will have in-house ART or not (it's still a form of modern slavery and in Islam it is prohibited)
What to expect during the process?
- SPENDING A LOT OF TIME. FOR THE BANK, AND THE MORTGAGE.
- CHECKING THE LEGALITY OF PROPERTY, the history of house, the land, the ownership and so on and so forth. We came from family who have been dealing with enough flying hours of property dispute and those s#it got ugly really fast.
- TIRED. EXHAUSTED
- Some people also happened to have a lot of
argument during the process, which are fine. I am speaking behalf on someone
who do home ownership through mortgage, there are so many due diligent we have
to conduct to understand how the system works and what would be the best output
for it. I’ll save my story for another time.
A house is made of walls and beams, A home is made of hopes and dreams.
Note: and never take away our hopes and dreams.
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