Urus sebaiknya kewangan peribadi

© Provided by Harian Metro KEDIAMAN 1,200 kaki persegi menjadi rumah pertama Harizah. hafizithnin@mediaprima.com.my

“Tidak perlu melakukan pengubahsuaian secara tergesa-gesa,”

kata wanita berusia 32 tahun ini yang memiliki rumah pertamanya pada 2018.

Bagi Harizah Hanim Mohamed, strategi itu membantu dirinya bukan sahaja untuk melakukan pengubahsuaian yang sesuai bagi jangka masa panjang malah berpeluang menguruskan kewangan peribadi sebaik mungkin.

Harizah berkata, kebanyakan pemaju sudah menyediakan reka bentuk kediaman yang sudah sesuai untuk didiami.

Tambahnya, dengan tabungan peribadi kira-kira RM15,000 dia hanya membuat kerja-kerja pengubahsuaian yang penting seperti tandas dan membeli perabot saja.

“Pada awal tahun ini baharu saya melakukan kerja-kerja ubah suai yang lebih meluas seperti di dapur yang menelan belanja RM50,000.

“Jujurnya, sebagai isteri dan ibu saya mahukan dapur yang cantik tetapi perlu tahan dahulu keinginan itu kerana saya mahukan pelaburan yang dibuat berbaloi dan tidak menganggu aliran tunai peribadi,” katanya.

Harizah membeli kediaman dalam segmen apartmen berkeluasan 1,200 kaki persegi itu pada harga RM240,000 bercirikan empat bilik tidur dua bilik air.

Katanya, tidak dinafikan kerja-kerja pengubahsuaian adalah penting untuk meningkatkan nilai hartanahnya pada masa depan sekiranya dijadikan pelaburan.

Tambahnya, pengubahsuaian dan kedudukan kediaman strategik membuatkan nilai hartanah itu kini mencecah RM600,000 berbanding RM240,000 pada 2019.

Katanya, sebagai pembeli hartanah dia juga perlu bijak membuat tinjauan awal sebelum memuktamadkan pembelian kediaman itu.

“Kediaman saya ini lokasinya begitu strategik kerana untuk ke pusat bandar Kuala Lumpur hanya perlu memandu 10 minit sahaja dan tempoh yang sama juga ke pejabat saya.

“Selain itu, rumah saya yang terletak di Kepong, Kuala Lumpur ini mempunyai kejiranan dan kemudahan yang sudah matang serta akses jalan raya yang mudah ke pelbagai lokasi,” katanya.

Mengimbau kisahnya ‘terpaut’ untuk membeli kediaman itu, katanya, dia melihat iklan penjualan kediaman itu ketika melaluinya di tepi jalan raya.

Katanya, memandangkan harga kediaman di Kuala Lumpur yang sentiasa meningkat, harga jualan itu adalah mampu milik. Apatah lagi, kedudukannya yang strategik.

“Saya tidak mengambil masa yang lama untuk membuat keputusan membelinya kerana saya membesar di kawasan itu dan tahu mengenai peningkatan nilai hartanah di sana.

“Proses untuk memuktamadkan jual beli juga tidak mengambil masa yang lama. Seingat saya sekitar dua bulan sahaja termasuk mendapat kelulusan pembiayaan daripada pihak bank yang mengambil masa dua minggu sahaja,” katanya.

Katanya, pengurusan kewangan peribadi menjadi perkara yang paling diutamakan sebelum membeli kediaman dan dia memperuntukkan kira-kira 10 peratus pendapatan untuk tabungan membeli rumah.

“Selain itu, saya juga tidak melabur aset dalam segmen liabiliti seperti kenderaan kerana saya tahu ia tidak mempunyai harga jualan semula yang baik berbanding hartanah.

“Jadi, saya tidak berbelanja besar untuk membeli kereta dan memastikan pembiayaannya dapat dilunaskan secepat mungkin,” katanya.

Nasihatnya, perancangan menguruskan kewangan amat penting sebelum dan selepas mendapat kunci kediaman baharu kerana sikap tergesa-gesa membuat keputusan boleh memberi kesan aliran tunai kepada pemilik pada masa depan.

© New Straits Times Press (M) Bhd

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