Jakarta, CNBC Indonesia – One thing that may escape the attention of those of you who want to buy a house is post-purchase expenses which also drain your pockets.
If you are not careful with this one, a major peg rather than pole incident could happen. And this can make you run out of savings.
Therefore, there is no harm in anticipating these expenses in advance either before the home ownership credit (KPR) agreement or occupying the house.
The expenses in question are of course outside of the house installments. Curious? Check out the review here.
Minor renovation
Problems surrounding the construction of a new house will be felt when you occupy the new house. It is possible that when it rains there are some leaks in the ceiling or other minor damage.
Usually, the developer will provide a guarantee for home repairs within the agreed time. Take advantage of it as you check every part of your home carefully.
To anticipate these expenses, prepare funds equal to 5% of the total price of the house well in advance or if possible one year before you move into the house.
Shop for furniture
Make no mistake, the total expenditure on furniture and electronic devices can reach 30% of the total house price.
One tip for shopping for home furnishings can be done by paying in installments little by little as the construction of the house progresses. Or it can also be done before you buy a house.
You can also buy used furniture to save money. However, don’t make the wrong choice, because the condition of used furniture is not necessarily all good.
Home operations
The three costs that are operational components of a house are electricity, water and internet.
Two expenses that are not fixed and are prone to increases are electricity and water. Therefore, use and use of electronic devices and water use must be monitored properly
property tax
Just like cars, houses of course have taxes. The name of the tax for houses is Land and Building Tax (PBB).
PBB expenses will also be expenses paid annually like property insurance.
All expenses related to the living environment
You pay this fee in the form of a contribution to the RT. The aim is to maintain cleanliness and security.
The amount of this fee depends on the location where you live. And the amount varies greatly, depending on local RT policies.
Every few periods, this contribution may of course increase.
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