Ceramah pameran hartanah: Orang muda diingat beli rumah ikut kemampuan, keperlua

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Kenali potensi kewangan sebelum beli rumah


IPOH: Memiliki kediaman selesa sudah pasti menjadi impian setiap individu namun mereka perlu mengetahui potensi kewangan masing-masing sebelum membelinya jika tidak mahu menghadapi kerugian pada masa akan datang.

Pelabur hartanah yang juga Pensyarah Universiti Teknologi Mara (UiTM) Seri Iskandar, Dr Azizul Azli Ahmad, berkata keinginan untuk membeli rumah besar seperti banglo sudah pasti menjadi impian namun ia hendaklah mengikut kemampuan kewangan masing-masing.

Beberapa aspek perlu diambil kira sebelum membeli apa juga hartanah kerana rumah yang menjadi antara keperluan asas kehidupan tidak boleh membebani setiap individu sehingga tidak mampu menguruskan kewangan.

“Saya yakin, setiap individu akan menjadikan dua orang sahaja sebagai ikutan mereka dalam segi pengurusan kewangan iaitu ibu bapa dan kawan, jangan sebab kita tengok kawan boleh beli rumah besar, kita pun nak beli.

“Kalau tanya pandangan saya untuk golongan muda, beli rumah mengikut kemampuan, tidak perlu rumah besar, rumah tiga bilik sudah cukup dengan meminimumkan saiz dan jika ada rezeki beli yang lebih besar nanti,” katanya ketika menyampaikan ceramah pada pameran hartanah, MyRumah Perak-Ku 2019 di Stadium Indera Mulia, di sini, hari ini.

Azizul dalam ceramahnya hari ini berkongsi lapan strategi memiliki rumah khusus kepada pengunjung pameran itu selain turut memberikan hadiah naskah buku tulisannya kepada pengunjung bertuah.

Ketika ditanya sama ada pembelian rumah pada masa sekarang sesuai memandangkan kedudukan ekonomi negara dan dunia tidak menentu, Azizul berkata, rumah juga adalah keperluan asas seperti makanan dan pakaian.

“Pada pendapat saya, rumah ini boleh sentiasa dibeli seperti makanan dan pakaian, mustahil bila ekonomi negara dan dunia merudum, kita berhenti dari makan dan memakai baju.

“Cuma apa yang penting, beberapa perkara perlu diambil kira iaitu potensi kewangan, lokasi rumah, saiz rumah dan pemilihan rumah yang betul supaya rumah tidak susut nilai.

“Zaman dahulu, orang tua-tua kata, beli saja rumah, rumah sentiasa akan naik harga, tapi perlu ingat jika silap beli, harga rumah akan statik dan kita akan mendapat rugi,” katanya.

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Be financially secure before buying a house
November 17, 2019 @ 6:28pm

IPOH: Buying a house is a good investment but one needs to be sure he has the financial ability before making the commitment.

Universiti Teknologi Mara (UiTM) Seri Iskandar senior lecturer and property expert Dr Azizul Azli Ahmad said those making plans to own a property need to have the right strategy from the start.

"The first thing they need to find out is whether they are financially ready to buy a house with their current salary. They need to understand how far they can go (financial ability) when they want to buy a house because, bear in mind, salary increments in the country are still low in many sectors.

"Buying a house is a huge financial decision. So it is important to evaluate your financial situation before considering investing in real estate. What is your current salary? Are you expecting a raise in the short term? What are your monthly expenses?

“You need to also know the property that best suits your salary because you will not want to end up going through the auction experience when you fail to pay your mortgage, " he said.

Azizul said this in his talk on Eight Strategies in Buying a House, on the last day of the MyRumah Property Showcase organised by the New Straits Times (M) Bhd (NSTP) at Indera Mulia Stadium here today.

According to him, the eight strategies include why one needs to buy a house at a young age, what is the right property to own for first time buyers, and why one has to expect less for the first house.

He said house buyers need to understand these strategies so that they will not regret later.

"Many of us are happy when the bank approves the house loan, and assume that we are finally capable of owning a house. This is wrong because this is only the start of a new and long term commitment with the bank.

"The house loan can last for 35 years, not five years. And anything can happen to our finances within the period," he said,

Azizul added until one was really financially able to own a house, it was wiser to rent.

Meanwhile, MyRumah manager, Mohd Hasnan Abd Abbas said throughout the four days, the showcase had achieved its target in terms of good crowd turnout and property sales.

"Many developers here have achieved their sales target. Visitors meanwhile were excited to be able to take part in our activities," he added.

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