{"id":116116,"date":"2025-08-11T11:24:19","date_gmt":"2025-08-11T03:24:19","guid":{"rendered":"https:\/\/iqiglobal.com\/blog\/?p=116116"},"modified":"2025-08-11T16:06:32","modified_gmt":"2025-08-11T08:06:32","slug":"tips-beli-rumah-anak-muda","status":"publish","type":"post","link":"https:\/\/iqiglobal.com\/blog\/bm\/tips-beli-rumah-anak-muda\/","title":{"rendered":"Anak Muda Susah Beli Rumah? Ini Strategi Bijak Perlu Anda Tahu!"},"content":{"rendered":"\n

Setiap kali tiba hujung bulan, selepas tolak sewa, komitmen kereta dan PTPTN, pernahkah anda merenung baki akaun bank sambil tertanya, “Macam mana aku nak beli rumah<\/strong>?” <\/p>\n\n\n\n

Anda tidak keseorangan<\/strong>. <\/p>\n\n\n\n

Memiliki rumah sendiri adalah impian hampir setiap anak muda. Yelah, siapa yang tak nak ada rumah sendiri kan? <\/p>\n\n\n\n

Tambahan pula, memiliki rumah sering dianggap sebagai simbol kemerdekaan, kestabilan kewangan<\/strong> dan satu langkah penting dalam kehidupan dewasa. <\/p>\n\n\n\n

Namun begitu, bagi ramai anak muda<\/a> dan individu bujang di Malaysia, impian ini terasa mahal dan sukar dicapai. <\/p>\n\n\n\n

Jadi, adakah ia benar-benar mustahil? Atau mungkin, anda hanya perlukan strategi dan peta<\/strong> yang betul untuk memulakan langkah?<\/p>\n\n\n\n

\n\n\n\nPeta Jalan Menuju Rumah Pertama Anda:<\/h2>
Cabaran Sebenar di Sebalik Angka<\/a><\/li>
Teruskan Menyewa atau Beranikan Diri Beli Rumah?<\/a>
Perbandingan Beli Rumah vs Sewa Rumah <\/a><\/li><\/ul><\/li>
7 Cara Beli Rumah Pertama Anda<\/a><\/li>
5 Kesilapan Lazim Anak Muda Bila Beli Rumah Pertama <\/a><\/li>
Mulakan Langkah Berani Menuju Rumah Pertama Anda<\/a><\/li>
Soalan Lazim (FAQ)<\/a><\/li><\/ul><\/div>\n\n\n\n
\n\n\n\n
Cabaran Sebenar di Sebalik Angka<\/h2>\n\n\n\n
$\"\"$ <\/figure>\n\n\n\n
Realitinya, bukan kerana anak muda malas berusaha atau tidak berminat memiliki aset, tetapi mereka terhalang oleh situasi ekonomi semasa<\/strong> yang mencengkam.<\/p>\n\n\n\n
Cabaran terbesar ialah jurang antara pendapatan permulaan<\/strong> (kebanyakannya sekitar RM2,500 hingga RM3,500<\/strong>) dengan harga rumah di kawasan bandar utama yang jauh melangkauinya.<\/p>\n\n\n\n
Keadaan ini diburukkan lagi dengan komitmen sedia ada<\/strong> seperti pinjaman PTPTN dan bayaran kereta, yang menjejaskan skor kredit dan seterusnya menyukarkan kelulusan pinjaman.<\/p>\n\n\n\n
Bagi golongan bujang, ketiadaan “dual income”<\/strong> serta kos sara hidup yang tinggi<\/strong> di bandar besar menjadikan proses membeli rumah lebih mencabar berbanding mereka yang sudah berkeluarga. <\/p>\n\n\n\n
Lebih membimbangkan, lambakan istilah<\/strong> seperti DSR, MRTA, leasehold, dan pelbagai skim lain sering menyebabkan “kelumpuhan analisis”<\/strong> (analysis paralysis). <\/p>\n\n\n\n
Terlalu banyak perkara yang perlu difikirkan menyebabkan ramai yang akhirnya membekukan impian kerana takut tersilap langkah. <\/p>\n\n\n\n
Teruskan Menyewa atau Beranikan Diri Beli Rumah?<\/h2>\n\n\n\n
$\"\"$ <\/figure>\n\n\n\n
Soalan ini sering menjadi dilema utama dalam perancangan kewangan anak muda. Jawapannya bergantung kepada matlamat kewangan<\/strong> jangka panjang anda. <\/p>\n\n\n\n
Menyewa memang menawarkan fleksibiliti, seperti bebas berpindah dan tiada komitmen jangka panjang. <\/p>\n\n\n\n
Namun, mari kita teliti realiti kewangannya… <\/p>\n\n\n\n
\n
Bayangkan anda membayar sewa RM1,200 sebulan selama 5 tahun. Ini bermakna anda telah ‘membakar’<\/strong> RM72,000 tanpa memiliki apa-apa aset.<\/p>\n<\/blockquote>\n\n\n\n
Sekarang, bandingkan pula jumlah yang sama digunakan untuk membayar ansuran rumah bernilai RM300,000.<\/p>\n\n\n\n
Dalam 5 tahun, anda bukan sahaja sedang membina ekuiti, malah jika hartanah itu mengalami kenaikan nilai 4% setahun<\/strong>, aset anda berpotensi bernilai lebih RM360,000! <\/p>\n\n\n\n
Perbandingan Beli Rumah vs Sewa Rumah <\/h3>\n\n\n\n
Faktor<\/strong> <\/th> Beli Rumah<\/strong><\/th> Sewa Rumah<\/strong><\/th><\/tr><\/thead>
Kestabilan<\/strong> <\/td> Miliki aset tetap, boleh didiami atau disewa <\/td> Sewa boleh tamat bila-bila masa <\/td><\/tr>
Kos Bulanan<\/strong> <\/td> Bayar ansuran + kos penyelenggaraan <\/td> Bayar sewa sahaja <\/td><\/tr>
Nilai Jangka Panjang<\/strong> <\/td> Rumah boleh naik harga <\/td> Tiada pulangan pelaburan <\/td><\/tr>
Komitmen<\/strong> <\/td> Tinggi (pinjaman jangka panjang) <\/td> Rendah dan fleksibel <\/td><\/tr>
Kawalan terhadap ruang<\/strong> <\/td> Bebas ubahsuai, sewakan bilik <\/td> Terhad kepada syarat tuan rumah <\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
➡️ Kesimpulan: Jika anda mampu menanggung ansuran dan bijak mengurus hartanah (contohnya, menyewakan bilik lain), membeli rumah memberi kelebihan pelaburan jangka panjang yang tidak ditawarkan oleh penyewaan.<\/em><\/p>\n\n\n\n
7 Cara Beli Rumah Pertama Anda<\/h2>\n\n\n\n
Memang bukan mudah, tetapi sangat tidak mustahil. Berikut adalah peta jalan anda: <\/p>\n\n\n\n
1. Mulakan dengan Skala yang Betul<\/strong> <\/h4>\n\n\n\n
Lupakan rumah teres dua tingkat di pusat bandar buat masa ini. Sasarkan studio, apartmen dua bilik, atau rumah subsale dalam keadaan baik. <\/p>\n\n\n\n
Aset pertama adalah titik permulaan<\/strong>, bukan garisan penamat. <\/p>\n\n\n\n
2. Sewakan Bilik Kepada Rakan<\/strong><\/h4>\n\n\n\n
<\/div>\n\n\n\n<\/iframe>\n\n\n\n<div style=\"height:22px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Jika anda membeli rumah yang mempunyai lebih dari satu bilik, strategi paling bijak ialah <strong>menyewakan bilik lain<\/strong> kepada rakan atau individu dipercayai.  <\/p>\n\n\n\n<p>Ini terbukti berkesan seperti yang dilakukan oleh klien kepada ejen hartanah IQI, <a href=\"https:\/\/iqiglobal.com\/agent\/dewi-rahmayani-bt-johan\" target=\"_blank\" rel=\"noreferrer noopener\">Yanie<\/a>. <\/p>\n\n\n\n<p>Beliau membeli rumah bernilai RM350,000, tinggal di satu bilik dan menyewakan bilik-bilik lain kepada rakan. Hasil sewaan digunakan untuk <strong>membayar keseluruhan ansuran bulanan<\/strong>.  <\/p>\n\n\n\n<p>Strategi ini menjadikan rumah itu milik beliau tanpa beban kewangan sendiri dan dalam beberapa tahun sahaja, rumah itu menjadi <strong>aset kukuh<\/strong> sebelum beliau berkahwin. <\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-3-pilih-lokasi-yang-sedang-berkembang-nbsp\"><strong>3. <\/strong><strong>Pilih Lokasi Yang Sedang Berkembang<\/strong> <\/h4>\n\n\n\n<p>Jangan terikat pada lokasi popular sahaja! <\/p>\n\n\n\n<p><strong>Kawasan sedang pesat membangun<\/strong> menawarkan harga lebih mampu milik dengan potensi pertumbuhan tinggi, disokong oleh infrastruktur baharu. <\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\"><strong>Kawasan<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Harga Rumah (Anggaran)<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Potensi Kenaikan Nilai<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Akses Kemudahan Awam<\/strong><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Bangsar \/ Mont Kiara <\/td><td class=\"has-text-align-center\" data-align=\"center\">RM800,000 ke atas <\/td><td class=\"has-text-align-center\" data-align=\"center\">Stabil tetapi mahal <\/td><td class=\"has-text-align-center\" data-align=\"center\">MRT, sekolah, pusat beli <\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Rawang \/ Semenyih <\/td><td class=\"has-text-align-center\" data-align=\"center\">RM250,000 – RM400,000 <\/td><td class=\"has-text-align-center\" data-align=\"center\">Tinggi (kawasan baharu) <\/td><td class=\"has-text-align-center\" data-align=\"center\">KTM, lebuhraya, sekolah <\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Nilai \/ Puncak Alam <\/td><td class=\"has-text-align-center\" data-align=\"center\">RM200,000 – RM350,000 <\/td><td class=\"has-text-align-center\" data-align=\"center\">Sederhana – tinggi <\/td><td class=\"has-text-align-center\" data-align=\"center\">ECRL, pusat beli, IPT <\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-4-tingkatkan-kelayakan-pinjaman-nbsp\"><strong>4. <\/strong><strong>Tingkatkan Kelayakan Pinjaman<\/strong> <\/h4>\n\n\n\n<p>Sebelum memohon pinjaman, pastikan <a href=\"https:\/\/www.comparehero.my\/articles\/bagaimana-untuk-mengira-nisbah-khidmat-hutang-anda#:~:text=Apa%20Itu%20Nisbah%20Khidmat%20Hutang%20(debt%20service%20ratio)%3F&text=Nisbah%20ini%20mengira%20berapa%20jumlah,hutang%20lain%20yang%20anda%20ada.\" target=\"_blank\" rel=\"noreferrer noopener\">Debt Service Ratio<\/a> (DSR) anda <strong>di bawah<\/strong> <strong>paras<\/strong> <strong>70%<\/strong>.  <\/p>\n\n\n\n<p><strong>Langsaikan hutang<\/strong> kecil, <strong>elakkan permohonan kredit<\/strong> baharu sekurang-kurangnya 6 bulan sebelum memohon, dan pastikan rekod CCRIS anda bersih.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114507\/shutterstock_1962914821_optimized-1024x683.webp\" alt=\"\" class=\"wp-image-116187\" srcset=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114507\/shutterstock_1962914821_optimized-1024x683.webp 1024w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114507\/shutterstock_1962914821_optimized-300x200.webp 300w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114507\/shutterstock_1962914821_optimized-768x512.webp 768w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114507\/shutterstock_1962914821_optimized-1536x1024.webp 1536w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114507\/shutterstock_1962914821_optimized-2048x1365.webp 2048w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114507\/shutterstock_1962914821_optimized-370x247.webp 370w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114507\/shutterstock_1962914821_optimized-1290x860.webp 1290w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114507\/shutterstock_1962914821_optimized-1080x720.webp 1080w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114507\/shutterstock_1962914821_optimized-865x577.webp 865w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114507\/shutterstock_1962914821_optimized-642x428.webp 642w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-5-manfaatkan-bantuan-kerajaan-yang-ada-nbsp\"><strong>5. Manfaatkan Bantuan Kerajaan yang Ada<\/strong> <\/h4>\n\n\n\n<p>Kerajaan menawarkan pelbagai skim seperti <a href=\"https:\/\/iqiglobal.com\/blog\/bm\/skim-rumah-pertamaku\/\" target=\"_blank\" rel=\"noreferrer noopener\">Skim Rumah Pertamaku<\/a> (SRP) untuk pembiayaan 100% dan pelbagai insentif lain. <\/p>\n\n\n\n<p>Memanfaatkan <a href=\"https:\/\/iqiglobal.com\/blog\/bm\/tips-simpan-duit-beli-rumah\/#h-7-skim-bantuan-kerajaan-untuk-pembeli-rumah-pertama-nbsp\" target=\"_blank\" rel=\"noreferrer noopener\">skim bantuan kerajaan<\/a> untuk pembeli rumah pertama ini boleh membantu anda <strong>berjimat lebih banyak<\/strong> dan merupakan satu langkah kewangan yang bijak. <\/p>\n\n\n\n<p>Ambil tahu dan gunakannya untuk keuntungan anda. <em>(Nota: Skim tertakluk pada terma & syarat semasa).<\/em> <\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-6-jana-pendapatan-sampingan-nbsp\"><strong>6. <\/strong><strong>Jana Pendapatan Sampingan<\/strong> <\/h4>\n\n\n\n<p>Dalam ekonomi gig hari ini, menjana <a href=\"https:\/\/iqiglobal.com\/blog\/bm\/cara-jana-pendapatan-dari-rumah\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>pendapatan sampingan<\/strong><\/a> adalah lebih mudah.  <\/p>\n\n\n\n<p>Sama ada menjadi ejen hartanah sambilan, <em>freelancer<\/em>, atau pemandu e-hailing, pendapatan tambahan ini memberi <strong>isyarat positif kepada bank<\/strong> tentang <strong>kestabilan kewangan<\/strong> anda.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114536\/shutterstock_2182359839_optimized-1024x683.webp\" alt=\"\" class=\"wp-image-116188\" srcset=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114536\/shutterstock_2182359839_optimized-1024x683.webp 1024w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114536\/shutterstock_2182359839_optimized-300x200.webp 300w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114536\/shutterstock_2182359839_optimized-768x512.webp 768w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114536\/shutterstock_2182359839_optimized-1536x1025.webp 1536w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114536\/shutterstock_2182359839_optimized-2048x1366.webp 2048w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114536\/shutterstock_2182359839_optimized-370x247.webp 370w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114536\/shutterstock_2182359839_optimized-1290x860.webp 1290w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114536\/shutterstock_2182359839_optimized-1080x720.webp 1080w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114536\/shutterstock_2182359839_optimized-865x577.webp 865w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114536\/shutterstock_2182359839_optimized-642x428.webp 642w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-7-mula-awal-amp-rancang-jangka-panjang-nbsp\"><strong>7. <\/strong><strong>Mula Awal & Rancang Jangka Panjang<\/strong> <\/h4>\n\n\n\n<p>Jangan tunggu sehingga “semua cukup” baru nak mula.  <\/p>\n\n\n\n<p>Menangguh selama setahun bukan sekadar menangguh impian, tetapi berisiko membayar puluhan ribu ringgit lebih mahal untuk hartanah yang sama di masa hadapan. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-5-kesilapan-lazim-anak-muda-bila-beli-rumah-pertama-nbsp\">5 Kesilapan Lazim Anak Muda Bila Beli Rumah Pertama <\/h2>\n\n\n\n<p>Hindari kesilapan berikut yang sering menjerat pembeli rumah pertama: <\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-1-membeli-kerana-tekanan-sosial-atau-fomo-nbsp\"><strong>1. Membeli Kerana Tekanan Sosial atau ‘FOMO’<\/strong> <\/h4>\n\n\n\n<p>Pembelian rumah adalah keputusan kewangan jangka panjang yang memerlukan <strong>perancangan teliti<\/strong>, bukan tindakan emosi.  <\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114522\/shutterstock_2261420967_optimized-1024x683.webp\" alt=\"\" class=\"wp-image-116189\" srcset=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114522\/shutterstock_2261420967_optimized-1024x683.webp 1024w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114522\/shutterstock_2261420967_optimized-300x200.webp 300w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114522\/shutterstock_2261420967_optimized-768x512.webp 768w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114522\/shutterstock_2261420967_optimized-1536x1024.webp 1536w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114522\/shutterstock_2261420967_optimized-2048x1365.webp 2048w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114522\/shutterstock_2261420967_optimized-370x247.webp 370w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114522\/shutterstock_2261420967_optimized-1290x860.webp 1290w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114522\/shutterstock_2261420967_optimized-1080x720.webp 1080w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114522\/shutterstock_2261420967_optimized-865x577.webp 865w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114522\/shutterstock_2261420967_optimized-642x428.webp 642w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Ramai anak muda terperangkap dalam perangkap <strong>“FOMO”<\/strong> (Fear of Missing Out) apabila melihat rakan sebaya sudah memiliki rumah sendiri.  <\/p>\n\n\n\n<p>Mereka mungkin membeli rumah yang di luar kemampuan kewangan hanya kerana <strong>tekanan sosial<\/strong> atau <strong>ingin menunjuk-nunjuk<\/strong>.  <\/p>\n\n\n\n<p>Sebelum anda membeli, tanya diri sendiri. <\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-2-terus-memohon-tanpa-semak-dsr-nbsp\"><strong>2. Terus Memohon Tanpa Semak DSR<\/strong> <\/h4>\n\n\n\n<p>Kesilapan paling asas ialah melompat terus ke bank untuk memohon pinjaman tanpa mengetahui kedudukan kewangan sendiri.  <\/p>\n\n\n\n<p>Bank akan menilai kelayakan pinjaman anda berdasarkan <strong>Nisbah Khidmat Hutang (DSR)<\/strong> anda.  <\/p>\n\n\n\n<p>DSR yang terlalu tinggi (biasanya melebihi 60-70%) akan menyebabkan <strong>permohonan anda ditolak<\/strong>.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114439\/shutterstock_645114751_optimized-1024x683.webp\" alt=\"\" class=\"wp-image-116185\" srcset=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114439\/shutterstock_645114751_optimized-1024x683.webp 1024w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114439\/shutterstock_645114751_optimized-300x200.webp 300w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114439\/shutterstock_645114751_optimized-768x512.webp 768w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114439\/shutterstock_645114751_optimized-1536x1024.webp 1536w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114439\/shutterstock_645114751_optimized-2048x1365.webp 2048w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114439\/shutterstock_645114751_optimized-370x247.webp 370w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114439\/shutterstock_645114751_optimized-1290x860.webp 1290w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114439\/shutterstock_645114751_optimized-1080x720.webp 1080w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114439\/shutterstock_645114751_optimized-865x577.webp 865w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114439\/shutterstock_645114751_optimized-642x428.webp 642w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Setiap permohonan yang ditolak akan direkodkan dalam <strong>laporan kredit<\/strong> anda, yang berpotensi menyukarkan anda untuk mendapatkan pinjaman lain pada masa hadapan.  <\/p>\n\n\n\n<p>Oleh itu, gunakan <a href=\"https:\/\/www.iproperty.com.my\/bm\/kelayakan-pinjaman-perumahan\/kalkulator\/\" target=\"_blank\" rel=\"noreferrer noopener\">kalkulator DSR<\/a> dalam talian untuk <strong>membuat anggaran awal<\/strong> dan pastikan anda kurangkan hutang sedia ada jika perlu sebelum berjumpa dengan pihak bank. <\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-3-lupa-akan-kos-tersembunyi-nbsp\"><strong>3. Lupa akan Kos Tersembunyi<\/strong> <\/h4>\n\n\n\n<p>Ramai pembeli pertama kali hanya memfokuskan kepada deposit rumah, tetapi melupakan pelbagai <strong>kos tambahan lain<\/strong> yang perlu <strong>dibayar secara tunai<\/strong>.  <\/p>\n\n\n\n<p>Kos ini boleh mencecah puluhan ribu ringgit dan perlu disediakan sebelum anda menandatangani perjanjian jual beli.  <\/p>\n\n\n\n<p>Selain daripada deposit, anda wajib menyediakan dana untuk: <\/p>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"h-senarai-kos-tambahan-yang-wajib-diambil-kira-nbsp\"><strong>Senarai Kos Tambahan Yang Wajib Diambil Kira<\/strong> <\/h5>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\"><strong>Jenis Kos Tambahan<\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong>Anggaran Kos<\/strong><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Yuran guaman <\/td><td class=\"has-text-align-center\" data-align=\"center\">RM3,000 – RM5,000 <\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Duti setem <\/td><td class=\"has-text-align-center\" data-align=\"center\">1% – 3% daripada harga rumah <\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Yuran penilaian bank <\/td><td class=\"has-text-align-center\" data-align=\"center\">RM300 – RM600 <\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">MRTA \/ MLTA (insurans) <\/td><td class=\"has-text-align-center\" data-align=\"center\">Bergantung pada pinjaman <\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Caj pindah milik <\/td><td class=\"has-text-align-center\" data-align=\"center\">RM500 – RM1,000 <\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Kegagalan untuk mengira kos-kos ini dengan tepat boleh menyebabkan anda terpaksa <strong>menanggung beban kewangan<\/strong> yang tidak dijangka.  <\/p>\n\n\n\n<p>Lebih teruk lagi, anda mungkin terpaksa membatalkan pembelian! <\/p>\n\n\n\n<p><strong>4. Tidak Membezakan Leasehold & Freehold<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"685\" src=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114555\/shutterstock_2417201885_optimized-1024x685.webp\" alt=\"\" class=\"wp-image-116195\" srcset=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114555\/shutterstock_2417201885_optimized-1024x685.webp 1024w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114555\/shutterstock_2417201885_optimized-300x201.webp 300w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114555\/shutterstock_2417201885_optimized-768x513.webp 768w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114555\/shutterstock_2417201885_optimized-1536x1027.webp 1536w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114555\/shutterstock_2417201885_optimized-2048x1369.webp 2048w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114555\/shutterstock_2417201885_optimized-370x247.webp 370w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114555\/shutterstock_2417201885_optimized-1290x862.webp 1290w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114555\/shutterstock_2417201885_optimized-1080x722.webp 1080w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114555\/shutterstock_2417201885_optimized-865x578.webp 865w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114555\/shutterstock_2417201885_optimized-642x429.webp 642w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><strong>Status pegangan tanah<\/strong> adalah faktor kritikal yang memberi kesan besar kepada nilai dan hak milik hartanah anda dalam jangka masa panjang. <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Freehold<\/strong> bermaksud anda <strong>memiliki tanah<\/strong> tersebut <strong>sepenuhnya dan selamanya<\/strong>.<\/li>\n\n\n\n<li><strong>Leasehold<\/strong> bermaksud anda <strong>hanya memiliki hak<\/strong> untuk menggunakan <strong>tanah<\/strong> tersebut dalam <strong>tempoh masa tertentu<\/strong>, biasanya 99 tahun.  <\/li>\n<\/ul>\n\n\n\n<p>Rumah <strong>leasehold<\/strong> biasanya <strong>lebih murah<\/strong>, tetapi harga jual semula dan kemudahan mendapatkan pinjaman bank mungkin terjejas apabila tempoh pajakan semakin singkat. <\/p>\n\n\n\n<p>Fahami implikasi kedua-dua jenis pegangan tanah ini sebelum anda membuat keputusan, kerana ia akan <strong>mempengaruhi nilai aset<\/strong> anda di masa hadapan. <\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-5-membuat-keputusan-bersendirian-nbsp\"><strong>5. Membuat Keputusan Bersendirian<\/strong> <\/h4>\n\n\n\n<p>Banyak pembeli muda tersilap langkah kerana membuat keputusan tanpa panduan. Perunding hartanah profesional di IQI Global bukan sekadar “ejen penjual rumah”.  <\/p>\n\n\n\n<p>Kami adalah <strong>penasihat pelaburan peribadi<\/strong> anda yang membantu menganalisis pasaran, pakar rundingan yang memastikan anda mendapat harga terbaik, dan <strong>pemudah cara<\/strong> yang membimbing anda melalui proses pinjaman dan guaman yang rumit.  <\/p>\n\n\n\n<p>Melabur sedikit masa dengan pakar boleh menyelamatkan anda dari kesilapan yang bernilai puluhan ribu ringgit.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"512\" src=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114601\/shutterstock_2369993365_optimized-1024x512.webp\" alt=\"\" class=\"wp-image-116193\" srcset=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114601\/shutterstock_2369993365_optimized-1024x512.webp 1024w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114601\/shutterstock_2369993365_optimized-300x150.webp 300w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114601\/shutterstock_2369993365_optimized-768x384.webp 768w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114601\/shutterstock_2369993365_optimized-1536x768.webp 1536w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114601\/shutterstock_2369993365_optimized-2048x1024.webp 2048w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114601\/shutterstock_2369993365_optimized-370x185.webp 370w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114601\/shutterstock_2369993365_optimized-1290x645.webp 1290w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114601\/shutterstock_2369993365_optimized-1080x540.webp 1080w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114601\/shutterstock_2369993365_optimized-865x433.webp 865w, https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08114601\/shutterstock_2369993365_optimized-642x321.webp 642w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-mulakan-langkah-berani-menuju-rumah-pertama-anda\">Mulakan Langkah Berani Menuju Rumah Pertama Anda<\/h2>\n\n\n\n<p>Pemilikan rumah pada usia muda tidak semestinya perlu datang bersama tekanan atau beban kewangan yang berat.  <\/p>\n\n\n\n<p>Dengan pengetahuan, disiplin kewangan dan strategi yang betul, anak muda boleh menjadikan rumah pertama mereka sebagai <strong>pelaburan masa depan<\/strong> yang berharga! <\/p>\n\n\n\n<p>Kisah kejayaan seperti yang dikongsikan oleh ejen Yanie menunjukkan bahawa walaupun anda bermula dengan gaji kecil, anda tetap boleh memiliki hartanah sendiri sekiranya anda <strong>berani mengambil langkah<\/strong> awal.  <\/p>\n\n\n\n<p>Apa yang penting adalah kesediaan untuk <strong>belajar<\/strong>, <strong>berdisiplin dalam perbelanjaan<\/strong>, dan <strong>tidak takut<\/strong> untuk memulakan.  <\/p>\n\n\n\n<p>Rumah pertama anda bukan sahaja tempat berteduh, tetapi juga <strong>aset<\/strong> yang mampu memberikan <strong>pulangan besar!<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide sc_height_tiny\">\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-soalan-lazim-faq\">Soalan Lazim (FAQ)<\/h2>\n\n\n\n<div class=\"wp-block-esab-accordion esab-dshrvig8\" data-mode=\"global\"><div class=\"esab__container\">\n<div class=\"wp-block-esab-accordion-child\"><div class=\"esab__head\" role=\"button\" aria-expanded=\"false\"><div class=\"esab__heading_txt\"><p class=\"esab__heading_tag\">1. Berapakah gaji minimum untuk saya mula berfikir tentang membeli rumah?<\/p><\/div><div class=\"esab__icon\"><div class=\"esab__collapse\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m3.5 20.5c-4.7-4.7-4.7-12.3 0-17 4.7-4.7 12.3-4.7 17 0 4.6 4.7 4.6 12.3 0 17-4.7 4.6-12.3 4.6-17 0zm0.9-0.9c4.2 4.2 11 4.2 15.2 0 4.2-4.2 4.2-11 0-15.2-4.2-4.3-11-4.3-15.2 0-4.3 4.2-4.3 11 0 15.2z\"><\/path><path d=\"m11.4 15.9v-3.3h-3.3c-0.3 0-0.6-0.3-0.6-0.6 0-0.4 0.3-0.6 0.6-0.6h3.3v-3.3c0-0.3 0.3-0.6 0.6-0.6 0.3 0 0.6 0.3 0.6 0.6v3.3h3.3c0.3 0 0.6 0.2 0.6 0.6q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2h-3.3v3.3q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2c-0.4 0-0.6-0.3-0.6-0.6z\"><\/path><\/svg> <\/div><div class=\"esab__expand\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m12 24c-6.6 0-12-5.4-12-12 0-6.6 5.4-12 12-12 6.6 0 12 5.4 12 12 0 6.6-5.4 12-12 12zm10.6-12c0-5.9-4.7-10.6-10.6-10.6-5.9 0-10.6 4.7-10.6 10.6 0 5.9 4.7 10.6 10.6 10.6 5.9 0 10.6-4.7 10.6-10.6z\"><\/path><path d=\"m5.6 11.3h12.8v1.4h-12.8z\"><\/path><\/svg> <\/div><\/div><\/div><div class=\"esab__body\">\n<p>Sekitar <strong>RM2,800 hingga RM3,500 bersih<\/strong> sebulan sudah memadai, bergantung kepada <strong>komitmen hutang<\/strong> anda dan <strong>harga hartanah<\/strong>.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-esab-accordion-child\"><div class=\"esab__head\" role=\"button\" aria-expanded=\"false\"><div class=\"esab__heading_txt\"><p class=\"esab__heading_tag\">2. Adakah saya WAJIB sediakan deposit 10%? Saya dengar tentang pinjaman 100%.<\/p><\/div><div class=\"esab__icon\"><div class=\"esab__collapse\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m3.5 20.5c-4.7-4.7-4.7-12.3 0-17 4.7-4.7 12.3-4.7 17 0 4.6 4.7 4.6 12.3 0 17-4.7 4.6-12.3 4.6-17 0zm0.9-0.9c4.2 4.2 11 4.2 15.2 0 4.2-4.2 4.2-11 0-15.2-4.2-4.3-11-4.3-15.2 0-4.3 4.2-4.3 11 0 15.2z\"><\/path><path d=\"m11.4 15.9v-3.3h-3.3c-0.3 0-0.6-0.3-0.6-0.6 0-0.4 0.3-0.6 0.6-0.6h3.3v-3.3c0-0.3 0.3-0.6 0.6-0.6 0.3 0 0.6 0.3 0.6 0.6v3.3h3.3c0.3 0 0.6 0.2 0.6 0.6q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2h-3.3v3.3q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2c-0.4 0-0.6-0.3-0.6-0.6z\"><\/path><\/svg> <\/div><div class=\"esab__expand\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m12 24c-6.6 0-12-5.4-12-12 0-6.6 5.4-12 12-12 6.6 0 12 5.4 12 12 0 6.6-5.4 12-12 12zm10.6-12c0-5.9-4.7-10.6-10.6-10.6-5.9 0-10.6 4.7-10.6 10.6 0 5.9 4.7 10.6 10.6 10.6 5.9 0 10.6-4.7 10.6-10.6z\"><\/path><path d=\"m5.6 11.3h12.8v1.4h-12.8z\"><\/path><\/svg> <\/div><\/div><\/div><div class=\"esab__body\">\n<p><strong>Tidak wajib<\/strong>. Skim seperti SRP menawarkan pembiayaan 100%. Namun, <strong>simpanan 3 – 5%<\/strong> tetap digalakkan untuk kecemasan.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-esab-accordion-child\"><div class=\"esab__head\" role=\"button\" aria-expanded=\"false\"><div class=\"esab__heading_txt\"><p class=\"esab__heading_tag\">3. “House hacking” atau menyewakan bilik kepada kawan nampak menarik. Apakah risikonya?<\/p><\/div><div class=\"esab__icon\"><div class=\"esab__collapse\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m3.5 20.5c-4.7-4.7-4.7-12.3 0-17 4.7-4.7 12.3-4.7 17 0 4.6 4.7 4.6 12.3 0 17-4.7 4.6-12.3 4.6-17 0zm0.9-0.9c4.2 4.2 11 4.2 15.2 0 4.2-4.2 4.2-11 0-15.2-4.2-4.3-11-4.3-15.2 0-4.3 4.2-4.3 11 0 15.2z\"><\/path><path d=\"m11.4 15.9v-3.3h-3.3c-0.3 0-0.6-0.3-0.6-0.6 0-0.4 0.3-0.6 0.6-0.6h3.3v-3.3c0-0.3 0.3-0.6 0.6-0.6 0.3 0 0.6 0.3 0.6 0.6v3.3h3.3c0.3 0 0.6 0.2 0.6 0.6q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2h-3.3v3.3q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2c-0.4 0-0.6-0.3-0.6-0.6z\"><\/path><\/svg> <\/div><div class=\"esab__expand\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m12 24c-6.6 0-12-5.4-12-12 0-6.6 5.4-12 12-12 6.6 0 12 5.4 12 12 0 6.6-5.4 12-12 12zm10.6-12c0-5.9-4.7-10.6-10.6-10.6-5.9 0-10.6 4.7-10.6 10.6 0 5.9 4.7 10.6 10.6 10.6 5.9 0 10.6-4.7 10.6-10.6z\"><\/path><path d=\"m5.6 11.3h12.8v1.4h-12.8z\"><\/path><\/svg> <\/div><\/div><\/div><div class=\"esab__body\">\n<p>Risiko utama ialah apabila penyewa <strong>gagal bayar sewa<\/strong>. Pastikan ada <strong>perjanjian sewa<\/strong> dan <strong>simpanan<\/strong> untuk <strong>tampung ansuran 3 bulan<\/strong>!<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-esab-accordion-child\"><div class=\"esab__head\" role=\"button\" aria-expanded=\"false\"><div class=\"esab__heading_txt\"><p class=\"esab__heading_tag\">4. Untuk pembeli pertama, rumah subsale (second-hand) atau projek baharu lebih baik?<\/p><\/div><div class=\"esab__icon\"><div class=\"esab__collapse\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m3.5 20.5c-4.7-4.7-4.7-12.3 0-17 4.7-4.7 12.3-4.7 17 0 4.6 4.7 4.6 12.3 0 17-4.7 4.6-12.3 4.6-17 0zm0.9-0.9c4.2 4.2 11 4.2 15.2 0 4.2-4.2 4.2-11 0-15.2-4.2-4.3-11-4.3-15.2 0-4.3 4.2-4.3 11 0 15.2z\"><\/path><path d=\"m11.4 15.9v-3.3h-3.3c-0.3 0-0.6-0.3-0.6-0.6 0-0.4 0.3-0.6 0.6-0.6h3.3v-3.3c0-0.3 0.3-0.6 0.6-0.6 0.3 0 0.6 0.3 0.6 0.6v3.3h3.3c0.3 0 0.6 0.2 0.6 0.6q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2h-3.3v3.3q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2c-0.4 0-0.6-0.3-0.6-0.6z\"><\/path><\/svg> <\/div><div class=\"esab__expand\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m12 24c-6.6 0-12-5.4-12-12 0-6.6 5.4-12 12-12 6.6 0 12 5.4 12 12 0 6.6-5.4 12-12 12zm10.6-12c0-5.9-4.7-10.6-10.6-10.6-5.9 0-10.6 4.7-10.6 10.6 0 5.9 4.7 10.6 10.6 10.6 5.9 0 10.6-4.7 10.6-10.6z\"><\/path><path d=\"m5.6 11.3h12.8v1.4h-12.8z\"><\/path><\/svg> <\/div><\/div><\/div><div class=\"esab__body\">\n<p><a href=\"https:\/\/iqiglobal.com\/blog\/bm\/projek-baharu-berbanding-subsale\/#h-perbandingan-antara-projek-subsale-dan-projek-baharu-nbsp\" target=\"_blank\" rel=\"noreferrer noopener\">Projek baharu atau rumah subsale<\/a>, kedua-duanya ada kelebihan tersendiri:<\/p>\n\n\n\n<p><strong>Projek Baharu:<\/strong> Selalunya datang dengan <strong>promosi<\/strong> seperti rebat, yuran guaman percuma, dan anda tidak perlu risau tentang kos baik pulih untuk beberapa tahun pertama.<\/p>\n\n\n\n<p><strong>Rumah Subsale:<\/strong> Anda boleh <strong>lihat unit sebenar<\/strong> dan keadaan sekeliling sebelum membeli. Lokasinya mungkin lebih matang.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-esab-accordion-child\"><div class=\"esab__head\" role=\"button\" aria-expanded=\"false\"><div class=\"esab__heading_txt\"><p class=\"esab__heading_tag\">5. Apakah langkah paling pantas untuk memperbaiki DSR saya yang tinggi?<\/p><\/div><div class=\"esab__icon\"><div class=\"esab__collapse\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m3.5 20.5c-4.7-4.7-4.7-12.3 0-17 4.7-4.7 12.3-4.7 17 0 4.6 4.7 4.6 12.3 0 17-4.7 4.6-12.3 4.6-17 0zm0.9-0.9c4.2 4.2 11 4.2 15.2 0 4.2-4.2 4.2-11 0-15.2-4.2-4.3-11-4.3-15.2 0-4.3 4.2-4.3 11 0 15.2z\"><\/path><path d=\"m11.4 15.9v-3.3h-3.3c-0.3 0-0.6-0.3-0.6-0.6 0-0.4 0.3-0.6 0.6-0.6h3.3v-3.3c0-0.3 0.3-0.6 0.6-0.6 0.3 0 0.6 0.3 0.6 0.6v3.3h3.3c0.3 0 0.6 0.2 0.6 0.6q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2h-3.3v3.3q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2c-0.4 0-0.6-0.3-0.6-0.6z\"><\/path><\/svg> <\/div><div class=\"esab__expand\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m12 24c-6.6 0-12-5.4-12-12 0-6.6 5.4-12 12-12 6.6 0 12 5.4 12 12 0 6.6-5.4 12-12 12zm10.6-12c0-5.9-4.7-10.6-10.6-10.6-5.9 0-10.6 4.7-10.6 10.6 0 5.9 4.7 10.6 10.6 10.6 5.9 0 10.6-4.7 10.6-10.6z\"><\/path><path d=\"m5.6 11.3h12.8v1.4h-12.8z\"><\/path><\/svg> <\/div><\/div><\/div><div class=\"esab__body\">\n<p><strong>Langsaikan hutang<\/strong> yang komitmennya paling tinggi. Fokus pada satu kad kredit dahulu untuk kurangkan beban dalam CCRIS dan cuba untuk <strong>tidak tambah hutang baru<\/strong>!<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-esab-accordion-child\"><div class=\"esab__head\" role=\"button\" aria-expanded=\"false\"><div class=\"esab__heading_txt\"><p class=\"esab__heading_tag\">6. Saya masih keliru. Apakah langkah paling PERTAMA yang perlu saya ambil esok?<\/p><\/div><div class=\"esab__icon\"><div class=\"esab__collapse\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m3.5 20.5c-4.7-4.7-4.7-12.3 0-17 4.7-4.7 12.3-4.7 17 0 4.6 4.7 4.6 12.3 0 17-4.7 4.6-12.3 4.6-17 0zm0.9-0.9c4.2 4.2 11 4.2 15.2 0 4.2-4.2 4.2-11 0-15.2-4.2-4.3-11-4.3-15.2 0-4.3 4.2-4.3 11 0 15.2z\"><\/path><path d=\"m11.4 15.9v-3.3h-3.3c-0.3 0-0.6-0.3-0.6-0.6 0-0.4 0.3-0.6 0.6-0.6h3.3v-3.3c0-0.3 0.3-0.6 0.6-0.6 0.3 0 0.6 0.3 0.6 0.6v3.3h3.3c0.3 0 0.6 0.2 0.6 0.6q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2h-3.3v3.3q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2c-0.4 0-0.6-0.3-0.6-0.6z\"><\/path><\/svg> <\/div><div class=\"esab__expand\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m12 24c-6.6 0-12-5.4-12-12 0-6.6 5.4-12 12-12 6.6 0 12 5.4 12 12 0 6.6-5.4 12-12 12zm10.6-12c0-5.9-4.7-10.6-10.6-10.6-5.9 0-10.6 4.7-10.6 10.6 0 5.9 4.7 10.6 10.6 10.6 5.9 0 10.6-4.7 10.6-10.6z\"><\/path><path d=\"m5.6 11.3h12.8v1.4h-12.8z\"><\/path><\/svg> <\/div><\/div><\/div><div class=\"esab__body\">\n<p>Semak laporan <strong>CCRIS dan CTOS<\/strong> anda. Kenali <strong>komitmen dan skor kredit<\/strong>, kemudian rujuk perunding hartanah untuk bantu nilai kelayakan.<\/p>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide sc_height_tiny\">\n\n\n\n<p><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-hover-color\">Sudah bersedia untuk menukar “satu hari nanti” kepada “hari ini”? Hubungi perunding hartanah kami di IQI Global. <\/mark><\/strong><\/p>\n\n\n\n<p><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-hover-color\">Biar kami bimbing anda melalui setiap langkah, dari menyemak kelayakan pinjaman sehingga anda mendapat kunci rumah pertama anda.<\/mark><\/strong><\/p>\n\n\n\n\t<form id=\"custom-lead-form\" action=\"https:\/\/iqiglobal.com\/leads\/blog\/invest\" method=\"post\">\n\t\t<input type=\"hidden\" name=\"previous_url\" value=\"\">\n <input type=\"hidden\" name=\"action\" value=\"custom_blog_form\">\n\t\t<input type=\"hidden\" name=\"consent_agreement\" value=\"0\">\n\t\t<input type=\"hidden\" name=\"current_url\" value=\"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/posts\/116116\">\n\n <input type=\"hidden\" id=\"_wpnonce\" name=\"_wpnonce\" value=\"6b95b28ced\" \/><input type=\"hidden\" name=\"_wp_http_referer\" value=\"\/blog\/wp-json\/wp\/v2\/posts\/116116\" \/>\n <div class=\"custom-lead-form-div\">\n <label class=\"custom-lead-form-label\" for=\"full_name\">Full Name:<\/label><br>\n <input type=\"text\" name=\"full_name\" class=\"full-width-input custom-lead-form-input\" required>\n <\/div>\n\n\t\t<div class=\"custom-lead-form-div\">\n <label class=\"custom-lead-form-label\" for=\"country\">Location:<\/label><br>\n <select name=\"location\" class=\"full-width-input custom-lead-form-input\" required>\n <option value=\"\">Select your location<\/option>\n\t\t\t\t\t<optgroup label=\"Malaysia\">\n\t\t\t\t\t\t<option value=\"Johor\">Johor<\/option><option value=\"Kedah\">Kedah<\/option><option value=\"Kuala Lumpur\">Kuala Lumpur<\/option><option value=\"Melaka\">Melaka<\/option><option value=\"Negeri Sembilan\">Negeri Sembilan<\/option><option value=\"Pahang\">Pahang<\/option><option value=\"Penang\">Penang<\/option><option value=\"Perak\">Perak<\/option><option value=\"Perlis\">Perlis<\/option><option value=\"Sabah\">Sabah<\/option><option value=\"Sarawak\">Sarawak<\/option><option value=\"Selangor\">Selangor<\/option><option value=\"Terengganu\">Terengganu<\/option>\t\t\t\t\t<\/optgroup>\n\t\t\t\t\t<optgroup label=\"Other Countries\">\n\t\t\t\t\t\t<option value=\"Afghanistan\">Afghanistan<\/option><option value=\"Albania\">Albania<\/option><option value=\"Algeria\">Algeria<\/option><option value=\"American Samoa\">American Samoa<\/option><option value=\"Andorra\">Andorra<\/option><option value=\"Angola\">Angola<\/option><option value=\"Anguilla\">Anguilla<\/option><option value=\"Antarctica\">Antarctica<\/option><option value=\"Antigua and Barbuda\">Antigua and Barbuda<\/option><option value=\"Argentina\">Argentina<\/option><option value=\"Armenia\">Armenia<\/option><option value=\"Aruba\">Aruba<\/option><option value=\"Ashmore and Cartier\">Ashmore and Cartier<\/option><option value=\"Australia\">Australia<\/option><option value=\"Austria\">Austria<\/option><option value=\"Azerbaijan\">Azerbaijan<\/option><option value=\"Bahrain\">Bahrain<\/option><option value=\"Baker Island\">Baker Island<\/option><option value=\"Bangladesh\">Bangladesh<\/option><option value=\"Barbados\">Barbados<\/option><option value=\"Bassas da India\">Bassas da India<\/option><option value=\"Belarus\">Belarus<\/option><option value=\"Belgium\">Belgium<\/option><option value=\"Belize\">Belize<\/option><option value=\"Benin\">Benin<\/option><option value=\"Bermuda\">Bermuda<\/option><option value=\"Bhutan\">Bhutan<\/option><option value=\"Bolivia\">Bolivia<\/option><option value=\"Bonaire\">Bonaire<\/option><option value=\"Bosnia and Herzegovina\">Bosnia and Herzegovina<\/option><option value=\"Botswana\">Botswana<\/option><option value=\"Bouvet Island\">Bouvet Island<\/option><option value=\"Brazil\">Brazil<\/option><option value=\"British Indian Ocean Territory\">British Indian Ocean Territory<\/option><option value=\"British Virgin Islands\">British Virgin Islands<\/option><option value=\"Brunei Darussalam\">Brunei Darussalam<\/option><option value=\"Bulgaria\">Bulgaria<\/option><option value=\"Burkina Faso\">Burkina Faso<\/option><option value=\"Burundi\">Burundi<\/option><option value=\"Cambodia\">Cambodia<\/option><option value=\"Cameroon\">Cameroon<\/option><option value=\"Canada\">Canada<\/option><option value=\"Cape Verde\">Cape Verde<\/option><option value=\"Cayman Islands\">Cayman Islands<\/option><option value=\"Central African Republic\">Central African Republic<\/option><option value=\"Chad\">Chad<\/option><option value=\"Chile\">Chile<\/option><option value=\"China\">China<\/option><option value=\"Christmas Island\">Christmas Island<\/option><option value=\"Clipperton Island\">Clipperton Island<\/option><option value=\"Cocos (Keeling) Islands\">Cocos (Keeling) Islands<\/option><option value=\"Colombia\">Colombia<\/option><option value=\"Comoros\">Comoros<\/option><option value=\"Congo, Democratic Republic of the\">Congo, Democratic Republic of the<\/option><option value=\"Congo, Republic of the\">Congo, Republic of the<\/option><option value=\"Cook Islands\">Cook Islands<\/option><option value=\"Coral Sea Islands\">Coral Sea Islands<\/option><option value=\"Costa Rica\">Costa Rica<\/option><option value=\"Cote d'Ivoire\">Cote d'Ivoire<\/option><option value=\"Croatia\">Croatia<\/option><option value=\"Cuba\">Cuba<\/option><option value=\"Curacao\">Curacao<\/option><option value=\"Cyprus\">Cyprus<\/option><option value=\"Czech Republic\">Czech Republic<\/option><option value=\"Denmark\">Denmark<\/option><option value=\"Djibouti\">Djibouti<\/option><option value=\"Dominica\">Dominica<\/option><option value=\"Dominican Republic\">Dominican Republic<\/option><option value=\"East Timor\">East Timor<\/option><option value=\"Ecuador\">Ecuador<\/option><option value=\"Egypt\">Egypt<\/option><option value=\"El Salvador\">El Salvador<\/option><option value=\"Equatorial Guinea\">Equatorial Guinea<\/option><option value=\"Eritrea\">Eritrea<\/option><option value=\"Estonia\">Estonia<\/option><option value=\"Ethiopia\">Ethiopia<\/option><option value=\"Europa Island\">Europa Island<\/option><option value=\"Falkland Islands\">Falkland Islands<\/option><option value=\"Faroe Islands\">Faroe Islands<\/option><option value=\"Fiji\">Fiji<\/option><option value=\"Finland\">Finland<\/option><option value=\"France\">France<\/option><option value=\"French Guiana\">French Guiana<\/option><option value=\"French Polynesia\">French Polynesia<\/option><option value=\"French Southern and Antarctic Lands\">French Southern and Antarctic Lands<\/option><option value=\"Gabon\">Gabon<\/option><option value=\"Gaza Strip\">Gaza Strip<\/option><option value=\"Georgia\">Georgia<\/option><option value=\"Germany\">Germany<\/option><option value=\"Ghana\">Ghana<\/option><option value=\"Gibraltar\">Gibraltar<\/option><option value=\"Glorioso Islands\">Glorioso Islands<\/option><option value=\"Greece\">Greece<\/option><option value=\"Greenland\">Greenland<\/option><option value=\"Grenada\">Grenada<\/option><option value=\"Guadeloupe\">Guadeloupe<\/option><option value=\"Guam\">Guam<\/option><option value=\"Guatemala\">Guatemala<\/option><option value=\"Guernsey\">Guernsey<\/option><option value=\"Guinea\">Guinea<\/option><option value=\"Guinea-Bissau\">Guinea-Bissau<\/option><option value=\"Guyana\">Guyana<\/option><option value=\"Haiti\">Haiti<\/option><option value=\"Heard Island and McDonald Islands\">Heard Island and McDonald Islands<\/option><option value=\"Holy See\">Holy See<\/option><option value=\"Honduras\">Honduras<\/option><option value=\"Hong Kong (SAR)\">Hong Kong (SAR)<\/option><option value=\"Howland Island\">Howland Island<\/option><option value=\"Hungary\">Hungary<\/option><option value=\"Iceland\">Iceland<\/option><option value=\"India\">India<\/option><option value=\"Indonesia\">Indonesia<\/option><option value=\"Iran\">Iran<\/option><option value=\"Iraq\">Iraq<\/option><option value=\"Ireland\">Ireland<\/option><option value=\"Isle of Man\">Isle of Man<\/option><option value=\"Israel\">Israel<\/option><option value=\"Italy\">Italy<\/option><option value=\"Jamaica\">Jamaica<\/option><option value=\"Japan\">Japan<\/option><option value=\"Jarvis Island\">Jarvis Island<\/option><option value=\"Jersey\">Jersey<\/option><option value=\"Johnston Atoll\">Johnston Atoll<\/option><option value=\"Jordan\">Jordan<\/option><option value=\"Juan de Nova Island\">Juan de Nova Island<\/option><option value=\"Kazakhstan\">Kazakhstan<\/option><option value=\"Kenya\">Kenya<\/option><option value=\"Kingman Reef\">Kingman Reef<\/option><option value=\"Kiribati\">Kiribati<\/option><option value=\"Kuwait\">Kuwait<\/option><option value=\"Kyrgyzstan\">Kyrgyzstan<\/option><option value=\"Laos\">Laos<\/option><option value=\"Latvia\">Latvia<\/option><option value=\"Lebanon\">Lebanon<\/option><option value=\"Lesotho\">Lesotho<\/option><option value=\"Liberia\">Liberia<\/option><option value=\"Libya\">Libya<\/option><option value=\"Liechtenstein\">Liechtenstein<\/option><option value=\"Lithuania\">Lithuania<\/option><option value=\"Luxembourg\">Luxembourg<\/option><option value=\"Macau (SAR)\">Macau (SAR)<\/option><option value=\"Madagascar\">Madagascar<\/option><option value=\"Malawi\">Malawi<\/option><option value=\"Malaysia\">Malaysia<\/option><option value=\"Maldives\">Maldives<\/option><option value=\"Mali\">Mali<\/option><option value=\"Malta\">Malta<\/option><option value=\"Marshall Islands\">Marshall Islands<\/option><option value=\"Martinique\">Martinique<\/option><option value=\"Mauritania\">Mauritania<\/option><option value=\"Mauritius\">Mauritius<\/option><option value=\"Mayotte\">Mayotte<\/option><option value=\"Mexico\">Mexico<\/option><option value=\"Micronesia\">Micronesia<\/option><option value=\" Federated States of\"> Federated States of<\/option><option value=\"Midway Islands\">Midway Islands<\/option><option value=\"Moldova\">Moldova<\/option><option value=\"Monaco\">Monaco<\/option><option value=\"Mongolia\">Mongolia<\/option><option value=\"Montenegro\">Montenegro<\/option><option value=\"Montserrat\">Montserrat<\/option><option value=\"Morocco\">Morocco<\/option><option value=\"Mozambique\">Mozambique<\/option><option value=\"Myanmar\">Myanmar<\/option><option value=\"Namibia\">Namibia<\/option><option value=\"Nauru\">Nauru<\/option><option value=\"Navassa Island\">Navassa Island<\/option><option value=\"Nepal\">Nepal<\/option><option value=\"Netherlands\">Netherlands<\/option><option value=\"Netherlands Antilles\">Netherlands Antilles<\/option><option value=\"New Caledonia\">New Caledonia<\/option><option value=\"New Zealand\">New Zealand<\/option><option value=\"Nicaragua\">Nicaragua<\/option><option value=\"Niger\">Niger<\/option><option value=\"Nigeria\">Nigeria<\/option><option value=\"Niue\">Niue<\/option><option value=\"Norfolk Island\">Norfolk Island<\/option><option value=\"North Korea\">North Korea<\/option><option value=\"North Macedonia\">North Macedonia<\/option><option value=\"Northern Mariana Islands\">Northern Mariana Islands<\/option><option value=\"Norway\">Norway<\/option><option value=\"Oman\">Oman<\/option><option value=\"Pakistan\">Pakistan<\/option><option value=\"Palau\">Palau<\/option><option value=\"Palestine\">Palestine<\/option><option value=\"Occupied\">Occupied<\/option><option value=\"Palmyra Atoll\">Palmyra Atoll<\/option><option value=\"Panama\">Panama<\/option><option value=\"Papua New Guinea\">Papua New Guinea<\/option><option value=\"Paraguay\">Paraguay<\/option><option value=\"Peru\">Peru<\/option><option value=\"Philippines\">Philippines<\/option><option value=\"Pitcairn Islands\">Pitcairn Islands<\/option><option value=\"Poland\">Poland<\/option><option value=\"Portugal\">Portugal<\/option><option value=\"Puerto Rico\">Puerto Rico<\/option><option value=\"Qatar\">Qatar<\/option><option value=\"R\u00e9union\">R\u00e9union<\/option><option value=\"Romania\">Romania<\/option><option value=\"Russia\">Russia<\/option><option value=\"Rwanda\">Rwanda<\/option><option value=\"Saint Barth\u00e9lemy\">Saint Barth\u00e9lemy<\/option><option value=\"Saint Helena\">Saint Helena<\/option><option value=\"Saint Kitts and Nevis\">Saint Kitts and Nevis<\/option><option value=\"Saint Lucia\">Saint Lucia<\/option><option value=\"Saint Martin (French part)\">Saint Martin (French part)<\/option><option value=\"Saint Pierre and Miquelon\">Saint Pierre and Miquelon<\/option><option value=\"Saint Vincent and the Grenadines\">Saint Vincent and the Grenadines<\/option><option value=\"San Marino\">San Marino<\/option><option value=\"S\u00e3o Tom\u00e9 and Pr\u00edncipe\">S\u00e3o Tom\u00e9 and Pr\u00edncipe<\/option><option value=\"Saudi Arabia\">Saudi Arabia<\/option><option value=\"Senegal\">Senegal<\/option><option value=\"Serbia\">Serbia<\/option><option value=\"Serbia and Montenegro\">Serbia and Montenegro<\/option><option value=\"Seychelles\">Seychelles<\/option><option value=\"Sierra Leone\">Sierra Leone<\/option><option value=\"Singapore\">Singapore<\/option><option value=\"Sint Maarten\">Sint Maarten<\/option><option value=\"Slovakia\">Slovakia<\/option><option value=\"Slovenia\">Slovenia<\/option><option value=\"Solomon Islands\">Solomon Islands<\/option><option value=\"Somalia\">Somalia<\/option><option value=\"South Africa\">South Africa<\/option><option value=\"South Georgia and the South Sandwich Islands\">South Georgia and the South Sandwich Islands<\/option><option value=\"South Korea\">South Korea<\/option><option value=\"South Sudan\">South Sudan<\/option><option value=\"Spain\">Spain<\/option><option value=\"Spratly Islands\">Spratly Islands<\/option><option value=\"Sri Lanka\">Sri Lanka<\/option><option value=\"Sudan\">Sudan<\/option><option value=\"Suriname\">Suriname<\/option><option value=\"Svalbard and Jan Mayen\">Svalbard and Jan Mayen<\/option><option value=\"Swaziland\">Swaziland<\/option><option value=\"Sweden\">Sweden<\/option><option value=\"Switzerland\">Switzerland<\/option><option value=\"Syria\">Syria<\/option><option value=\"Taiwan\">Taiwan<\/option><option value=\" China\"> China<\/option><option value=\"Tajikistan\">Tajikistan<\/option><option value=\"Tanzania\">Tanzania<\/option><option value=\"Thailand\">Thailand<\/option><option value=\"The Bahamas\">The Bahamas<\/option><option value=\"The Gambia\">The Gambia<\/option><option value=\"Togo\">Togo<\/option><option value=\"Tokelau\">Tokelau<\/option><option value=\"Tonga\">Tonga<\/option><option value=\"Trinidad and Tobago\">Trinidad and Tobago<\/option><option value=\"Tromelin Island\">Tromelin Island<\/option><option value=\"Tunisia\">Tunisia<\/option><option value=\"Turkey\">Turkey<\/option><option value=\"Turkmenistan\">Turkmenistan<\/option><option value=\"Turks and Caicos Islands\">Turks and Caicos Islands<\/option><option value=\"Tuvalu\">Tuvalu<\/option><option value=\"Uganda\">Uganda<\/option><option value=\"Ukraine\">Ukraine<\/option><option value=\"United Arab Emirates\">United Arab Emirates<\/option><option value=\"United Kingdom\">United Kingdom<\/option><option value=\"United States\">United States<\/option><option value=\"United States Minor Outlying Islands\">United States Minor Outlying Islands<\/option><option value=\"Uruguay\">Uruguay<\/option><option value=\"Uzbekistan\">Uzbekistan<\/option><option value=\"Vanuatu\">Vanuatu<\/option><option value=\"Venezuela\">Venezuela<\/option><option value=\"Vietnam\">Vietnam<\/option><option value=\"Virgin Islands (US)\">Virgin Islands (US)<\/option><option value=\"Wake Island\">Wake Island<\/option><option value=\"Wallis and Futuna\">Wallis and Futuna<\/option><option value=\"West Bank\">West Bank<\/option><option value=\"Western Sahara\">Western Sahara<\/option><option value=\"Western Samoa\">Western Samoa<\/option><option value=\"World\">World<\/option><option value=\"Yemen\">Yemen<\/option><option value=\"Yugoslavia\">Yugoslavia<\/option><option value=\"Zaire\">Zaire<\/option><option value=\"Zambia\">Zambia<\/option><option value=\"Zimbabwe\">Zimbabwe<\/option>\t\t\t\t\t<\/optgroup>\n <\/select>\n <\/div>\n\n <div class=\"custom-lead-form-div\" style=\"display: grid; grid-template-columns: 1fr 1fr; gap: 20px;\">\n\t\t\t<div>\n\t\t\t\t<label class=\"custom-lead-form-label\" for=\"your_email\">Email:<\/label><br>\n\t\t\t\t<input type=\"email\" name=\"email\" class=\"full-width-input custom-lead-form-input\" required>\n\t\t\t<\/div>\n\n\t\t\t<div>\n\t\t\t\t<label class=\"custom-lead-form-label\" for=\"phone_number\">Phone Number:<\/label><br>\n\t\t\t\t<div class=\"phone-input-wrapper\">\n\t\t\t\t\t<span id=\"country-code-display\">+60<\/span>\n\t\t\t\t\t<input type=\"text\" id=\"phone_number_input\" placeholder=\"123456789\" required>\n\t\t\t\t\t<input type=\"hidden\" name=\"phone_number\" id=\"final_phone_number\">\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n \t<\/div>\n\n\t\t<div id=\"interest-error\" style=\"color: red; display: none;\">\n\t\t\tPlease select at least one interest.\n\t\t<\/div>\n\n\t\t<div id=\"interest-group\" class=\"custom-lead-form-div\">\n\t\t\t<p>\n\t\t\t\t<label class=\"custom-checkbox-label\">I want to (Investor)<\/label><br>\n\t\t\t\t<label class=\"custom-checkbox-label\"><input type=\"checkbox\" name=\"lead_type[]\" value=\"invest\"> Invest<\/label><br>\n\t\t\t\t<label class=\"custom-checkbox-label\"><input type=\"checkbox\" name=\"lead_type[]\" value=\"buy\"> Buy<\/label><br>\n\t\t\t\t<label class=\"custom-checkbox-label\"><input type=\"checkbox\" name=\"lead_type[]\" value=\"sell\"> Sell<\/label><br>\n\t\t\t<\/p>\n\t\t<\/div>\n\n\t\t<div class=\"custom-lead-form-div\">\n\t\t\t<label class=\"custom-checkbox-label\"><input type=\"checkbox\" name=\"consent_agreement\" value=\"1\" required> I give my consent to share my information to submit this form. For more details on our data practices, please refer to our <a href=\"https:\/\/www.iqiglobal.com\/privacy-policy\">Privacy Policy.<\/a><\/label><br>\n\t\t\t<input type=\"hidden\" name=\"newsletter\" value=\"0\">\n\t\t\t<label class=\"custom-checkbox-label\"><input type=\"checkbox\" name=\"newsletter\" value=\"1\"> I want the latest property updates, marketing emails, and newsletters from IQI Global by subscribing to IQI Global mailing list<\/label><br>\n\t\t<\/div>\n\n\t\t<input type=\"hidden\" name=\"g-recaptcha-response\" id=\"g-recaptcha-response\">\n\n\n <p>\n <button type=\"submit\">Submit<\/button>\n <\/p>\n <\/form>\n\n\t<style>\n .full-width-input {\n width: 100%;\n padding: 8px;\n box-sizing: border-box;\n }\n\t\t.custom-lead-form-div {\n\t\t\tmargin-bottom: 20px;\n\t\t}\n\t\t.custom-lead-form-input {\n\t\t\tpadding: 8px 12px !important;\n\t\t\tborder-color: var(--theme-color-input_bd_color) !important;\n\t\t}\n\t\t.custom-lead-form-label {\n\t\t\tfont-size: 15px !important;\n\t\t\tfont-weight: 500 !important;\n\t\t}\n\n\t\t.custom-checkbox-label {\n\t\t\tfont-size: 15px !important;\n\t\t\tfont-weight: 400 !important;\n\t\t}\n\n\t\t.phone-input-wrapper {\n\t\t\tdisplay: flex;\n\t\t\talign-items: center;\n\t\t\tborder: 1px solid #ffb199; \/* soft orange border *\/\n\t\t\tborder-radius: 30px;\n\t\t\toverflow: hidden;\n\t\t\tbackground-color: #fff9f8;\n\t\t\tmax-width: 100%;\n\t\t}\n\n\t\t#country-code-display {\n\t\t\tpadding: 10px 14px;\n\t\t\tbackground-color: #f3f3f3;\n\t\t\tborder-right: 1px solid #ffb199;\n\t\t\tfont-size: 16px;\n\t\t\tcolor: #333;\n\t\t\twhite-space: nowrap;\n\t\t}\n\n\t\t#phone_number_input {\n\t\t\tflex: 1;\n\t\t\tborder: none;\n\t\t\tpadding: 10px 14px;\n\t\t\tfont-size: 16px;\n\t\t\tbackground-color: transparent;\n\t\t\toutline: none;\n\t\t}\n <\/style>\n <script src=\"https:\/\/www.google.com\/recaptcha\/api.js?render=6Lc2VuIpAAAAAI6-27GyE-SCtgCMwOPptgZOw8gC\"><\/script>\n\t<script>\n\t\tconst malaysianStates = [\"Johor\",\"Kedah\",\"Kuala Lumpur\",\"Melaka\",\"Negeri Sembilan\",\"Pahang\",\"Penang\",\"Perak\",\"Perlis\",\"Sabah\",\"Sarawak\",\"Selangor\",\"Terengganu\"];\n\n\t\tdocument.addEventListener('DOMContentLoaded', function () {\n\t\t\tconst locationSelect = document.querySelector('select[name=\"location\"]');\n\t\t\tconst countryCodeDisplay = document.getElementById('country-code-display');\n\t\t\tconst phoneInput = document.getElementById('phone_number_input');\n\t\t\tconst finalPhoneInput = document.getElementById('final_phone_number');\n\t\t\tconst form = document.getElementById('custom-lead-form');\n\t\t\tconst error = document.getElementById('interest-error');\n\n\t\t\tfunction updateFinalPhoneNumber() {\n\t\t\t\tconst code = countryCodeDisplay.textContent || '';\n\t\t\t\tconst number = phoneInput.value.trim();\n\t\t\t\tfinalPhoneInput.value = code + number;\n\t\t\t}\n\n\t\t\tlocationSelect.addEventListener('change', function () {\n\t\t\t\tconst selectedState = this.value;\n\n\t\t\t\t\/\/ If not Malaysian state\n\t\t\t\tif (!malaysianStates.includes(selectedState)) {\n\t\t\t\t\tcountryCodeDisplay.style.display = 'none';\n\t\t\t\t\tcountryCodeDisplay.textContent = '';\n\t\t\t\t\tupdateFinalPhoneNumber();\n\t\t\t\t\treturn;\n\t\t\t\t}\n\n\t\t\t\t\/\/ Malaysian state \u2014 show +60\n\t\t\t\tcountryCodeDisplay.style.display = 'block';\n\t\t\t\tcountryCodeDisplay.textContent = '+60';\n\t\t\t\tupdateFinalPhoneNumber();\n\t\t\t});\n\n\t\t\tphoneInput.addEventListener('input', updateFinalPhoneNumber);\n\n\t\t\tform.addEventListener('submit', function (e) {\n\t\t\t\te.preventDefault(); \/\/ \u2705 Prevent default submission first\n\n\t\t\t\tconst checkboxes = form.querySelectorAll('input[name=\"lead_type[]\"]');\n\t\t\t\tconst isChecked = Array.from(checkboxes).some(checkbox => checkbox.checked);\n\n\t\t\t\tif (!isChecked) {\n\t\t\t\t\terror.style.display = 'block';\n\t\t\t\t\treturn; \/\/ stop here if validation fails\n\t\t\t\t} else {\n\t\t\t\t\terror.style.display = 'none';\n\t\t\t\t}\n\n\t\t\t\t\/\/ \u2705 Now run reCAPTCHA v3\n\t\t\t\tgrecaptcha.ready(function () {\n\t\t\t\t\tgrecaptcha.execute('6Lc2VuIpAAAAAI6-27GyE-SCtgCMwOPptgZOw8gC', { action: 'submit' })\n\t\t\t\t\t\t.then(function (token) {\n\t\t\t\t\t\t\tdocument.getElementById('g-recaptcha-response').value = token;\n\t\t\t\t\t\t\tform.submit(); \/\/ \u2705 Safe manual submission\n\t\t\t\t\t\t});\n\t\t\t\t});\n\t\t\t});\n\t\t});\n\t<\/script>\n\n \n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide sc_height_tiny\">\n\n\n\n<p class=\"has-text-align-center\"><strong>Baca Selanjutnya:<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong><a href=\"https:\/\/iqiglobal.com\/blog\/bm\/tips-sebelum-membeli-rumah\/\" target=\"_blank\" rel=\"noreferrer noopener\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-hover-color\">8 Tips Penting Sebelum Membeli Rumah Kediaman Diri<\/mark><\/a><\/strong><\/li>\n\n\n\n<li><strong><a href=\"https:\/\/iqiglobal.com\/blog\/bm\/gaji-minimum-malaysia-naik\/\" target=\"_blank\" rel=\"noreferrer noopener\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-hover-color\">Gaji Minimum Malaysia Naik RM1700! Mampu ke Nak Beli Rumah?<\/mark><\/a><\/strong><\/li>\n\n\n\n<li><strong><a href=\"https:\/\/iqiglobal.com\/blog\/bm\/tips-simpan-duit-beli-rumah\/\" target=\"_blank\" rel=\"noreferrer noopener\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-hover-color\">9 Tips Simpan Duit Beli Rumah Tanpa Ikat Perut Sebelum Umur 30<\/mark><\/a><\/strong><\/li>\n<\/ol>\n\n\n\n<p><\/p>\n<\/body><\/html>\n","protected":false},"excerpt":{"rendered":"<p>Betulkah zaman sekarang anak muda susah nak beli rumah? Adakah puncanya harga terlalu tinggi atau gaji tidak mencukupi? Sebenarnya, ada strategi dan tip kewangan yang boleh membantu anda memiliki rumah pertama lebih cepat daripada yang disangka.<\/p>\n","protected":false},"author":42,"featured_media":116200,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"content-type":"","postBodyCss":"","postBodyMargin":[],"postBodyPadding":[],"postBodyBackground":{"backgroundType":"classic","gradient":""},"footnotes":""},"categories":[584],"tags":[12701,9702,9925,12379,7064],"class_list":["post-116116","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-jangkauan-pasaran","tag-ask-agent-bm","tag-bantuan-kerajaan-bm","tag-beli-rumah-pertama","tag-pinjaman-perumahan","tag-sewa-rumah-ms"],"yoast_head":"\n<title>Anak Muda Susah Beli Rumah? Ini Strategi Bijak Perlu Anda Tahu!<\/title>\n<meta name=\"description\" content=\"Ramai anak muda merasakan perkara yang sama tentang beli rumah. Apakah realiti dan kesilapan yang sebenarnya? Ketahui strateginya di sini!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/iqiglobal.com\/blog\/bm\/tips-beli-rumah-anak-muda\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Anak Muda Susah Beli Rumah? Ini Strategi Bijak Perlu Anda Tahu!\" \/>\n<meta property=\"og:description\" content=\"Ramai anak muda merasakan perkara yang sama tentang beli rumah. Apakah realiti dan kesilapan yang sebenarnya? Ketahui strateginya di sini!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/iqiglobal.com\/blog\/bm\/tips-beli-rumah-anak-muda\/\" \/>\n<meta property=\"og:site_name\" content=\"IQI Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/IqiGlobal\" \/>\n<meta property=\"article:published_time\" content=\"2025-08-11T03:24:19+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-08-11T08:06:32+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/11114118\/Anak-Muda-Susah-Beli-Rumah-Ini-Strategi-Bijak-Perlu-Anda-Tahu.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"630\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Sofiah\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@IQIGlobal\" \/>\n<meta name=\"twitter:site\" content=\"@IQIGlobal\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Sofiah\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"9 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/bm\/tips-beli-rumah-anak-muda\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/iqiglobal.com\/blog\/bm\/tips-beli-rumah-anak-muda\/\"},\"author\":{\"name\":\"Sofiah\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/#\/schema\/person\/3219a1a964c0d5457669fc0ef812b9cc\"},\"headline\":\"Anak Muda Susah Beli Rumah? Ini Strategi Bijak Perlu Anda Tahu!\",\"datePublished\":\"2025-08-11T03:24:19+00:00\",\"dateModified\":\"2025-08-11T08:06:32+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/iqiglobal.com\/blog\/bm\/tips-beli-rumah-anak-muda\/\"},\"wordCount\":1791,\"publisher\":{\"@id\":\"https:\/\/iqiglobal.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/iqiglobal.com\/blog\/bm\/tips-beli-rumah-anak-muda\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08115154\/shutterstock_2269798681_optimized-scaled.jpg\",\"keywords\":[\"Ask Agent\",\"bantuan kerajaan\",\"beli rumah pertama\",\"pinjaman perumahan\",\"sewa rumah\"],\"articleSection\":[\"Jangkauan Pasaran\"],\"inLanguage\":\"en-US\",\"accessibilityFeature\":[\"tableOfContents\"]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/bm\/tips-beli-rumah-anak-muda\/\",\"url\":\"https:\/\/iqiglobal.com\/blog\/bm\/tips-beli-rumah-anak-muda\/\",\"name\":\"Anak Muda Susah Beli Rumah? Ini Strategi Bijak Perlu Anda Tahu!\",\"isPartOf\":{\"@id\":\"https:\/\/iqiglobal.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/iqiglobal.com\/blog\/bm\/tips-beli-rumah-anak-muda\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/iqiglobal.com\/blog\/bm\/tips-beli-rumah-anak-muda\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08115154\/shutterstock_2269798681_optimized-scaled.jpg\",\"datePublished\":\"2025-08-11T03:24:19+00:00\",\"dateModified\":\"2025-08-11T08:06:32+00:00\",\"description\":\"Ramai anak muda merasakan perkara yang sama tentang beli rumah. Apakah realiti dan kesilapan yang sebenarnya? Ketahui strateginya di sini!\",\"breadcrumb\":{\"@id\":\"https:\/\/iqiglobal.com\/blog\/bm\/tips-beli-rumah-anak-muda\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/iqiglobal.com\/blog\/bm\/tips-beli-rumah-anak-muda\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/bm\/tips-beli-rumah-anak-muda\/#primaryimage\",\"url\":\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08115154\/shutterstock_2269798681_optimized-scaled.jpg\",\"contentUrl\":\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08115154\/shutterstock_2269798681_optimized-scaled.jpg\",\"width\":2560,\"height\":1707},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/bm\/tips-beli-rumah-anak-muda\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/iqiglobal.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Anak Muda Susah Beli Rumah? Ini Strategi Bijak Perlu Anda Tahu!\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/#website\",\"url\":\"https:\/\/iqiglobal.com\/blog\/\",\"name\":\"IQI Blog\",\"description\":\"Your Source for Property Investment, Tips, and Career\",\"publisher\":{\"@id\":\"https:\/\/iqiglobal.com\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/iqiglobal.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/#organization\",\"name\":\"IQI Global\",\"url\":\"https:\/\/iqiglobal.com\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/iqiglobal-web-revamp.s3.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2023\/03\/cropped-iqi-global-logo.png\",\"contentUrl\":\"https:\/\/iqiglobal-web-revamp.s3.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2023\/03\/cropped-iqi-global-logo.png\",\"width\":480,\"height\":180,\"caption\":\"IQI Global\"},\"image\":{\"@id\":\"https:\/\/iqiglobal.com\/blog\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/IqiGlobal\",\"https:\/\/x.com\/IQIGlobal\",\"https:\/\/www.instagram.com\/iqiglobal\/\",\"https:\/\/tiktok.com\/@iqiglobal?lang=en\",\"https:\/\/www.linkedin.com\/company\/iqi-group\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/#\/schema\/person\/3219a1a964c0d5457669fc0ef812b9cc\",\"name\":\"Sofiah\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/9972d1a8c929e68c0601501299e274a142d5ec4d22b6a62737cc39de3b19a6ee?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/9972d1a8c929e68c0601501299e274a142d5ec4d22b6a62737cc39de3b19a6ee?s=96&d=mm&r=g\",\"caption\":\"Sofiah\"},\"description\":\"From writing essays in school to spinning words for the corporate world, Sofiah is on a thrilling journey in content and copywriting! With no experience but a whole lot of passion, she now crafts captivating content and SEO magic in Bahasa Melayu. Who knew that love for writing could turn into such an exciting adventure?\",\"honorificPrefix\":\"Ms\",\"gender\":\"female\",\"knowsLanguage\":[\"English\",\"Malay\",\"Indonesia\"],\"url\":\"https:\/\/iqiglobal.com\/blog\/author\/sofiah\/\"}]}<\/script>\n","yoast_head_json":{"title":"Anak Muda Susah Beli Rumah? Ini Strategi Bijak Perlu Anda Tahu!","description":"Ramai anak muda merasakan perkara yang sama tentang beli rumah. Apakah realiti dan kesilapan yang sebenarnya? Ketahui strateginya di sini!","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/iqiglobal.com\/blog\/bm\/tips-beli-rumah-anak-muda\/","og_locale":"en_US","og_type":"article","og_title":"Anak Muda Susah Beli Rumah? Ini Strategi Bijak Perlu Anda Tahu!","og_description":"Ramai anak muda merasakan perkara yang sama tentang beli rumah. Apakah realiti dan kesilapan yang sebenarnya? Ketahui strateginya di sini!","og_url":"https:\/\/iqiglobal.com\/blog\/bm\/tips-beli-rumah-anak-muda\/","og_site_name":"IQI Blog","article_publisher":"https:\/\/www.facebook.com\/IqiGlobal","article_published_time":"2025-08-11T03:24:19+00:00","article_modified_time":"2025-08-11T08:06:32+00:00","og_image":[{"width":1200,"height":630,"url":"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/11114118\/Anak-Muda-Susah-Beli-Rumah-Ini-Strategi-Bijak-Perlu-Anda-Tahu.png","type":"image\/png"}],"author":"Sofiah","twitter_card":"summary_large_image","twitter_creator":"@IQIGlobal","twitter_site":"@IQIGlobal","twitter_misc":{"Written by":"Sofiah","Est. reading time":"9 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/iqiglobal.com\/blog\/bm\/tips-beli-rumah-anak-muda\/#article","isPartOf":{"@id":"https:\/\/iqiglobal.com\/blog\/bm\/tips-beli-rumah-anak-muda\/"},"author":{"name":"Sofiah","@id":"https:\/\/iqiglobal.com\/blog\/#\/schema\/person\/3219a1a964c0d5457669fc0ef812b9cc"},"headline":"Anak Muda Susah Beli Rumah? Ini Strategi Bijak Perlu Anda Tahu!","datePublished":"2025-08-11T03:24:19+00:00","dateModified":"2025-08-11T08:06:32+00:00","mainEntityOfPage":{"@id":"https:\/\/iqiglobal.com\/blog\/bm\/tips-beli-rumah-anak-muda\/"},"wordCount":1791,"publisher":{"@id":"https:\/\/iqiglobal.com\/blog\/#organization"},"image":{"@id":"https:\/\/iqiglobal.com\/blog\/bm\/tips-beli-rumah-anak-muda\/#primaryimage"},"thumbnailUrl":"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08115154\/shutterstock_2269798681_optimized-scaled.jpg","keywords":["Ask Agent","bantuan kerajaan","beli rumah pertama","pinjaman perumahan","sewa rumah"],"articleSection":["Jangkauan Pasaran"],"inLanguage":"en-US","accessibilityFeature":["tableOfContents"]},{"@type":"WebPage","@id":"https:\/\/iqiglobal.com\/blog\/bm\/tips-beli-rumah-anak-muda\/","url":"https:\/\/iqiglobal.com\/blog\/bm\/tips-beli-rumah-anak-muda\/","name":"Anak Muda Susah Beli Rumah? Ini Strategi Bijak Perlu Anda Tahu!","isPartOf":{"@id":"https:\/\/iqiglobal.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/iqiglobal.com\/blog\/bm\/tips-beli-rumah-anak-muda\/#primaryimage"},"image":{"@id":"https:\/\/iqiglobal.com\/blog\/bm\/tips-beli-rumah-anak-muda\/#primaryimage"},"thumbnailUrl":"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08115154\/shutterstock_2269798681_optimized-scaled.jpg","datePublished":"2025-08-11T03:24:19+00:00","dateModified":"2025-08-11T08:06:32+00:00","description":"Ramai anak muda merasakan perkara yang sama tentang beli rumah. Apakah realiti dan kesilapan yang sebenarnya? Ketahui strateginya di sini!","breadcrumb":{"@id":"https:\/\/iqiglobal.com\/blog\/bm\/tips-beli-rumah-anak-muda\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/iqiglobal.com\/blog\/bm\/tips-beli-rumah-anak-muda\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/iqiglobal.com\/blog\/bm\/tips-beli-rumah-anak-muda\/#primaryimage","url":"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08115154\/shutterstock_2269798681_optimized-scaled.jpg","contentUrl":"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08115154\/shutterstock_2269798681_optimized-scaled.jpg","width":2560,"height":1707},{"@type":"BreadcrumbList","@id":"https:\/\/iqiglobal.com\/blog\/bm\/tips-beli-rumah-anak-muda\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/iqiglobal.com\/blog\/"},{"@type":"ListItem","position":2,"name":"Anak Muda Susah Beli Rumah? Ini Strategi Bijak Perlu Anda Tahu!"}]},{"@type":"WebSite","@id":"https:\/\/iqiglobal.com\/blog\/#website","url":"https:\/\/iqiglobal.com\/blog\/","name":"IQI Blog","description":"Your Source for Property Investment, Tips, and Career","publisher":{"@id":"https:\/\/iqiglobal.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/iqiglobal.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/iqiglobal.com\/blog\/#organization","name":"IQI Global","url":"https:\/\/iqiglobal.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/iqiglobal.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/iqiglobal-web-revamp.s3.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2023\/03\/cropped-iqi-global-logo.png","contentUrl":"https:\/\/iqiglobal-web-revamp.s3.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2023\/03\/cropped-iqi-global-logo.png","width":480,"height":180,"caption":"IQI Global"},"image":{"@id":"https:\/\/iqiglobal.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/IqiGlobal","https:\/\/x.com\/IQIGlobal","https:\/\/www.instagram.com\/iqiglobal\/","https:\/\/tiktok.com\/@iqiglobal?lang=en","https:\/\/www.linkedin.com\/company\/iqi-group\/"]},{"@type":"Person","@id":"https:\/\/iqiglobal.com\/blog\/#\/schema\/person\/3219a1a964c0d5457669fc0ef812b9cc","name":"Sofiah","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/iqiglobal.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/9972d1a8c929e68c0601501299e274a142d5ec4d22b6a62737cc39de3b19a6ee?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/9972d1a8c929e68c0601501299e274a142d5ec4d22b6a62737cc39de3b19a6ee?s=96&d=mm&r=g","caption":"Sofiah"},"description":"From writing essays in school to spinning words for the corporate world, Sofiah is on a thrilling journey in content and copywriting! With no experience but a whole lot of passion, she now crafts captivating content and SEO magic in Bahasa Melayu. Who knew that love for writing could turn into such an exciting adventure?","honorificPrefix":"Ms","gender":"female","knowsLanguage":["English","Malay","Indonesia"],"url":"https:\/\/iqiglobal.com\/blog\/author\/sofiah\/"}]}},"featured_image_url":"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2025\/08\/08115154\/shutterstock_2269798681_optimized-scaled.jpg","_links":{"self":[{"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/posts\/116116","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/users\/42"}],"replies":[{"embeddable":true,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/comments?post=116116"}],"version-history":[{"count":18,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/posts\/116116\/revisions"}],"predecessor-version":[{"id":116344,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/posts\/116116\/revisions\/116344"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/media\/116200"}],"wp:attachment":[{"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/media?parent=116116"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/categories?post=116116"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/tags?post=116116"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}