Dream : 1st House

We planned to buy a house next year. But house price goes up so quickly, it can double in just 2 weeks! I don't lie, its true. I have a friend told me this, last week she called an agent asking about an apartment's price. It was RM120,000. Then this week she called back, it already goes up to RM215,000. Its double the original price!

Come on, its freaking scary.

Average people like me cannot have our own house now. With average salary and only 2 months bonus per year, how on earth we can afford to buy a house? With other monthly commitments, I think it was quite impossible.

And the SKIM Rumah Pertamaku?

If you go to bank, they will laugh. No bank will give 100% loan (car can) for house loan.

On other note, why you should pay to bank a lot of money? 100% loan means more money being given to bank.

So what is left?

I guess I need to save some money every month for the house deposit. And of course with the help from the EPF saved every month. But how much is it? Lets check the criteria I want for my house first.

I dream of having a landed house. I don't care whether it is 1 storey house or 2 storey house. I just want a landed house.

Second, I want it to be near my current rental house because I love the location. Its like the center to my hometown, hubby's hometown and KL.

Third, I really don't mind if it is a secondhand home. Really. If it is still in good condition, why not?

Heh, dream much?

I hope this dream can come true. I know landed house is so expensive. The cheapest I found was RM350,000 and it was a secondhand house. To be safe, lets go for RM400,000 (for lawyer fees and other payments)

So the deposit must be RM40 000.

Our EPF give or take maybe around RM16,000. So we must prepare around RM24,000 before next year. Divide by 12 and divide again with 2, means RM1000 per month each person need to save.

Huwaaaa. Its quite hard.

But we will try our best. And I know Allah will help us. Like during our wedding.

Insyaallah.

Till then. Assalamulaikum.