Konglo Properti Gak Mau Lo Tau RAHASIA Beli Rumah Ini

Summary

This video provides insights into strategic financial planning for purchasing a home in Indonesia. It focuses on reducing loan interest rates by linking multiple bank accounts, such as family members’ savings, to lower the principal on a mortgage. By using savings from relatives, borrowers can minimize the interest burden, but must be cautious of risks if funds are withdrawn. The speaker also advises on understanding mortgage terms and avoiding high-interest rates. Additionally, resources are offered for business partner vetting and maximizing returns when purchasing a car.

Takeaways

• 😀 Linking multiple bank accounts can help reduce the principal amount on a loan, leading to a significant decrease in interest rates.
• 😀 By linking a family member’s savings (e.g., pension funds), you can reduce the amount on which the loan interest is calculated, potentially lowering it to zero.
• 😀 In the example provided, a 1.7 billion IDR loan can be effectively reduced to zero interest by linking 80% of a family member’s savings.
• 😀 This strategy works for home loans (KPR) and can involve relatives with sufficient savings, such as parents, siblings, or other family members.
• 😀 While linking family members’ savings helps reduce interest, their account will no longer earn interest, which should be considered before taking action.
• 😀 It’s important to understand that the loan responsibility remains with the borrower, even when family accounts are linked to reduce interest.
• 😀 If linked savings are used to lower the loan’s interest, the funds cannot be accessed or used for other purposes by the family member.
• 😀 When considering loan options, always evaluate the costs of cash payments, developer financing, and KPR to ensure you choose the best deal.
• 😀 Be cautious of loans with exorbitant interest rates, such as 25%, which are often unreasonable and should be avoided.
• 😀 Always read the fine print and understand additional features in loan products to maximize financial benefits and reduce unnecessary costs.
• 😀 The video encourages viewers to learn how to avoid dishonest business partners and offers tips on maximizing profits when buying a car.

Q & A

What is the main strategy discussed in the video to reduce mortgage interest?

The main strategy discussed in the video is linking multiple bank accounts to a mortgage. This helps lower the principal amount used to calculate the interest, potentially reducing the mortgage interest rate significantly.

How many bank accounts can be linked to a mortgage as per the video?

Up to nine bank accounts can be linked to the mortgage in order to reduce the principal amount and the interest burden.

What is the benefit of linking a parent's savings to the mortgage?

By linking a parent's savings, such as a pension fund, to the mortgage, the principal amount used to calculate the interest can be reduced. This can potentially lower the interest rate to zero, as the principal decreases.

How much of the parent's pension can be linked to the mortgage in the example?

In the example, 80% of the parent's pension (1.76 billion IDR out of 2.2 billion IDR) can be linked to the mortgage, effectively reducing the loan principal.

What is the trade-off when linking a family member's savings to the mortgage?

The trade-off is that the family member, such as the parent, will not earn interest on their savings since it is linked to the mortgage. However, this helps in reducing the interest burden on the mortgage.

What happens if the family member wants to use their savings during the mortgage term?

If the family member wants to use their savings, the borrower must be prepared to pay the full interest on the loan, as the linked savings will no longer be available to reduce the mortgage principal.

What are the potential risks of linking multiple accounts to a mortgage?

One potential risk is that if any linked account holder needs to withdraw their savings, it could result in the borrower being forced to pay the full interest rate on the loan. Additionally, it may lead to strained family relationships if the arrangement is not clearly understood.

What should borrowers be cautious about when considering loan offers from developers or banks?

Borrowers should be cautious about accepting loan offers with high interest rates, such as 25%. It's important to carefully evaluate the terms and compare different mortgage options to ensure they are not overpaying in interest.

Why is it important to understand loan terms like developer financing or KPR?

Understanding the loan terms, such as interest rates and additional features, is crucial to making an informed decision. Borrowers should know how much the loan will actually cost in the long run and look for ways to maximize financial benefits.

What other financial strategies are suggested for those looking to purchase a home?

The speaker suggests that individuals should consider using family members' savings to help reduce the mortgage principal, explore financing options carefully, and make sure they understand all the fees and interest rates involved before committing to a loan.