');--success-svg-icon:url('data:image/svg+xml;utf8,');--info-svg-icon:url('data:image/svg+xml;utf8,');--chevron-svg-icon:url('data:image/svg+xml;utf8,');--checkbox-svg-icon:url('data:image/svg+xml;utf8,');--radiobutton-svg-icon:url('data:image/svg+xml;utf8,');--show-password-svg-icon:url('data:image/svg+xml;utf8,');--hide-password-svg-icon:url('data:image/svg+xml;utf8,');--error-svg-icon-color:var(--red-500);--success-svg-icon-color:var(--emerald-700);--info-svg-icon-color:var(--sky-500);--chevron-svg-icon-color:var(--grey-900);--checkbox-svg-icon-color:var(--grey-900);--radiobutton-svg-icon-color:var(--grey-900);--show-password-svg-icon-color:var(--grey-900);--hide-password-svg-icon-color:var(--grey-900);--bde-woo-notices__icon-size:16px;--bde-woo-notices__padding:24px;--bde-woo-notices__border-radius:4px;--bde-woo-notices__error-background:var(--red-50);--bde-woo-notices__error-text:var(--red-500);--bde-woo-notices__error-link-text:var(--red-500);--bde-woo-notices__error-link-text-hover:var(--red-500);--bde-woo-notices__info-background:var(--sky-100);--bde-woo-notices__info-text:var(--sky-500);--bde-woo-notices__info-link-text:var(--sky-500);--bde-woo-notices__info-link-text-hover:var(--sky-500);--bde-woo-notices__success-background:var(--emerald-100);--bde-woo-notices__success-text:var(--emerald-700);--bde-woo-notices__success-link-text:var(--emerald-700);--bde-woo-notices__success-link-text-hover:var(--emerald-700);--bde-woo-sale-badge__border-radius:2px;--bde-woo-sale-badge__padding:4px 8px;--bde-woo-ratings__star-color:var(--yellow-500);--bde-woo-ratings__star-size:18px;--bde-woo-ratings__filled-star-svg:url('data:image/svg+xml;utf8,');--bde-woo-ratings__empty-star-svg:url('data:image/svg+xml;utf8,');--bde-woo-product-images__border-radius:4px;--bde-woo-product-images__border-width:0px;--bde-woo-product-images__border-color:var(--grey-300);--bde-woo-wrappers__background-color:var(--white);--bde-woo-wrappers__border-radius:4px;--bde-woo-wrappers__border-color:var(--grey-300);--bde-woo-wrappers__border-width:1px;--bde-woo-wrappers__shadow:rgba(0,0,0,.05) 0 1px 3px,rgba(0,0,0,.05) 0 1px 2px;--bde-woo-tables__header-color:var(--grey-100);--bde-woo-tables__background-color:var(--white);--bde-woo-tables__border-radius:4px;--bde-woo-tables__border-width:1px;--bde-woo-widgets__chip-background-color:transparent;--bde-woo-widgets__chip-background-color-hover:var(--indigo-50);--bde-woo-widgets__chip-text-color:inherit;--bde-woo-widgets__handle-border-color:var(--grey-300);--bde-woo-widgets__handle-background-color:var(--white);--bde-woo-widgets__handle-background-color-hover:var(--white);--bde-woo-widgets__handle-shadow:rgba(0,0,0,.05) 0 1px 3px,rgba(0,0,0,.05) 0 1px 2px;--bde-woo-widgets__handle-shadow-hover:var(--grey-300) 0 0 4px;--bde-woo-widgets__remove-item-from-cart-color:var(--grey-450);--bde-woo-select2__active-item-background-color:var(--indigo-50);--bde-woo-gallery__zoom-icon-shadow:rgba(0,0,0,.05) 0 1px 3px,rgba(0,0,0,.05) 0 1px 2px;--bde-woo-payment-box-background-color:var(--grey-100);--bde-woo-payment-box-border-color:var(--grey-200);--bde-woo-payment-box-border-width:1px;--bde-woo-quicklook-button-icon:url(/wp-content/uploads/breakdance/css/icons/eye.svg);--bde-woo-quicklook-button-background-color:none;--bde-woo-quicklook-button-icon-size:20px;--bde-woo-quicklook-button-backdrop-color:rgba(0,0,0,.15);--bde-woo-quicklook-button-backdrop-opacity:.7;--bde-woo-quicklook-modal-background-color:var(--white);--bde-woo-quicklook-overlay-color:rgba(0,0,0,.7);--bde-woo-quicklook-close-button-size:2em;--bde-woo-quicklook-arrow-size:1em;--bde-woo-quicklook-arrow-color:var(--white);--bde-woo-swatch-space-between-options:10px;--bde-woo-swatch-padding:7px;--bde-woo-swatch-color-width:30px;--bde-woo-swatch-color-height:30px;--bde-woo-swatch-border:1px solid var(--grey-200);--bde-woo-swatch-border-color-hover:var(--grey-400);--bde-woo-swatch-shadow:none;--bde-woo-swatch-shadow-hover:none;--bde-woo-swatch-background:var(--white);--bde-woo-swatch-background-hover:var(--grey-50);--bde-woo-swatch-color-padding:2px;--bde-woo-swatch-tooltip-color:var(--white);--bde-woo-swatch-tooltip-background:var(--grey-900);--bde-woo-swatch-tooltip-padding:7px;--bde-woo-swatch-space-after-label:8px;--bde-woo-responsive__stack:row}:root{--bde-links-color:#480203;--bde-links-color-hover:#480203;--bde-button-primary-background-color:var(--bde-brand-primary-color);--bde-button-primary-background-color-hover:var(--bde-brand-primary-color-hover);--bde-button-secondary-border-color:var(--bde-brand-primary-color);--bde-button-secondary-border-color-hover:var(--bde-brand-primary-color);--bde-button-secondary-text-color:var(--bde-brand-primary-color);--bde-button-secondary-background-color-hover:var(--bde-brand-primary-color);--bde-button-text-text-color:var(--bde-links-color);--bde-button-text-text-color-hover:var(--bde-links-color-hover);--bde-button-font-size:var(--bde-body-font-size);--bde-form-font-size:var(--bde-body-font-size);--bde-form-input-border-top-left-radius:var(--bde-form-input-border-radius);--bde-form-input-border-top-right-radius:var(--bde-form-input-border-radius);--bde-form-input-border-bottom-left-radius:var(--bde-form-input-border-radius);--bde-form-input-border-bottom-right-radius:var(--bde-form-input-border-radius);--bde-form-input-border-top:var(--bde-form-input-border-width) solid var(--bde-form-input-border-color);--bde-form-input-border-right:var(--bde-form-input-border-width) solid var(--bde-form-input-border-color);--bde-form-input-border-bottom:var(--bde-form-input-border-width) solid var(--bde-form-input-border-color);--bde-form-input-border-left:var(--bde-form-input-border-width) solid var(--bde-form-input-border-color);--bde-form-label-color:var(--bde-headings-color);--bde-form-input-focused-border-color:var(--bde-brand-primary-color);--bde-form-input-focused-shadow:var(--bde-brand-primary-color) 0 0 2px;--bde-form-checkbox-selected-color:var(--bde-brand-primary-color);--bde-z-index-lightbox:1100;--bde-z-index-popup:1050;--bde-z-index-modal:1000;--bde-z-index-modal-backdrop:calc(var(--bde-z-index-modal) - 1);--bde-z-index-high:300;--bde-z-index-medium:200;--bde-z-index-low:100;--bde-z-index-sticky:10;--bde-z-index-minicart:var(--bde-z-index-modal);--bde-z-index-minicart-backdrop:var(--bde-z-index-modal-backdrop);--bde-z-index-menu-dropdown:var(--bde-z-index-modal);--bde-z-index-menu-mobile:var(--bde-z-index-modal);--bde-z-index-menu-backdrop:var(--bde-z-index-modal-backdrop);--bde-z-index-search-fullscreen:var(--bde-z-index-modal);--bde-z-index-back-to-top:var(--bde-z-index-high);--bde-z-index-scroll-progress:var(--bde-z-index-high);--bde-z-index-header-sticky:var(--bde-z-index-medium);--bde-z-index-header-overlay:calc(var(--bde-z-index-header-sticky) - 1);--bde-z-index-social-share-buttons:var(--bde-z-index-low);--bde-woo-base-text-color:var(--bde-body-text-color);--bde-woo-base-headings-color:var(--bde-headings-color);--bde-woo-base-primary-color:var(--bde-brand-primary-color);--bde-woo-base-primary-color-hover:var(--bde-brand-primary-color-hover);--bde-woo-base-extra-small-gaps:calc(var(--bde-woo-base-small-gaps)/var(--bde-woo-base-ratio));--bde-woo-base-small-gaps:calc(var(--bde-woo-base-space)/var(--bde-woo-base-ratio));--bde-woo-base-standard-gaps:var(--bde-woo-base-space);--bde-woo-base-medium-gaps:calc(var(--bde-woo-base-space)*var(--bde-woo-base-ratio));--bde-woo-base-big-gaps:calc(var(--bde-woo-base-medium-gaps)*var(--bde-woo-base-ratio));--bde-woo-base-large-gaps:calc(var(--bde-woo-base-big-gaps)*var(--bde-woo-base-ratio));--bde-woo-base-extra-large-gaps:calc(var(--bde-woo-base-large-gaps)*var(--bde-woo-base-ratio));--bde-woo-typography-ratio:var(--bde-font-size-ratio);--bde-woo-typography__size-small:calc(var(--bde-woo-typography__size-standard)/var(--bde-woo-typography-ratio));--bde-woo-typography__size-small-font-family:var(--bde-body-font-family);--bde-woo-typography__size-standard:var(--bde-body-font-size);--bde-woo-typography__size-standard-font-family:var(--bde-body-font-family);--bde-woo-typography__size-medium:calc(var(--bde-woo-typography__size-standard)*var(--bde-woo-typography-ratio));--bde-woo-typography__size-medium-font-family:var(--bde-heading-font-family);--bde-woo-typography__size-large:calc(var(--bde-woo-typography__size-medium)*var(--bde-woo-typography-ratio));--bde-woo-typography__size-large-font-family:var(--bde-heading-font-family);--bde-woo-typography__size-extra-large:calc(var(--bde-woo-typography__size-large)*var(--bde-woo-typography-ratio));--bde-woo-typography__size-extra-large-font-family:var(--bde-heading-font-family);--bde-woo-buttons-and-links__text-link-color:#480203;--bde-woo-buttons-and-links__text-link-color-hover:#480203;--bde-woo-buttons-and-links__nav-link-color:var(--bde-woo-base-text-color);--bde-woo-buttons-and-links__nav-link-color-hover:var(--bde-woo-base-text-on-primary-color);--bde-woo-buttons-and-links__nav-link-color-active:var(--bde-woo-base-primary-color);--bde-woo-forms__spacing-after-label:var(--bde-form-after-label);--bde-woo-forms__spacing-between-fields:var(--bde-form-gap);--bde-woo-forms__spacing-between-columns:var(--bde-woo-base-extra-large-gaps);--bde-woo-forms__labels-color:var(--bde-form-label-color);--bde-woo-forms__inputs-background-color:var(--bde-form-input-background-color);--bde-woo-forms__inputs-text-color:var(--bde-form-text-color);--bde-woo-forms__inputs-placeholder-color:var(--bde-form-input-placeholder-color);--bde-woo-forms__inputs-border-color:var(--bde-form-input-border-color);--bde-woo-forms__inputs-border-width:var(--bde-form-input-border-width);--bde-woo-forms__inputs-border-radius:var(--bde-form-input-border-top-left-radius) var(--bde-form-input-border-top-right-radius) var(--bde-form-input-border-bottom-right-radius) var(--bde-form-input-border-bottom-left-radius);--bde-woo-forms__inputs-background-color-focused:var(--bde-form-input-focused-background-color);--bde-woo-forms__inputs-border-color-focused:var(--bde-form-input-focused-border-color);--bde-woo-forms__inputs-shadow-focused:var(--bde-form-input-focused-shadow);--bde-woo-forms__inputs-shadow:var(--bde-form-input-input-shadow);--bde-woo-forms__inputs-select2-hover-item:var(--bde-woo-base-primary-color);--bde-woo-forms__labels-required-color:var(--bde-form-label-required-color);--bde-woo-forms__labels-required-size:var(--bde-form-label-required-size);--bde-woo-forms__labels-required-nudge-x:var(--bde-form-label-required-nudge-x);--bde-woo-forms__labels-required-nudge-y:var(--bde-form-label-required-nudge-y);--bde-woo-tables__border-color:var(--bde-woo-base-border-color);--bde-woo-sale-badge__background-color:var(--bde-woo-base-primary-color);--bde-woo-sale-badge__text-color:var(--bde-woo-base-text-on-primary-color);--bde-woo-sale-badge__font-weight:var(--bde-woo-typography-font-weight-heavy);--bde-woo-sale-badge__font-size:var(--bde-woo-typography__size-standard);--bde-woo-widgets__chip-text-color-hover:var(--bde-woo-buttons-and-links__text-link-color);--bde-woo-widgets__handle-border-color-hover:var(--bde-woo-base-primary-color);--bde-woo-notices__padding-left:calc(var(--bde-woo-notices__padding) + var(--bde-woo-notices__icon-size) + (var(--bde-woo-notices__icon-size)/2));--bde-woo-quicklook-button-text-color:var(--bde-button-primary-text-color);--bde-woo-quicklook-button-background-color-hover:var(--bde-woo-quicklook-button-background-color);--bde-woo-quicklook-button-icon-spacing:var(--bde-woo-base-standard-gaps);--bde-woo-quicklook-close-button-color:var(--bde-woo-base-headings-color);--bde-woo-quicklook-arrow-color-hover:var(--bde-woo-quicklook-arrow-color);--bde-woo-quicklook-arrow-background-color:var(--bde-brand-primary-color);--bde-woo-quicklook-arrow-background-color-hover:var(--bde-woo-quicklook-arrow-background-color);--bde-woo-swatch-space-between-items:var(--bde-woo-base-medium-gaps);--bde-woo-swatch-background-selected:var(--bde-woo-swatch-background-hover);--bde-woo-swatch-border-color-selected:var(--bde-woo-swatch-border-color-hover);--bde-woo-swatch-shadow-selected:var(--bde-woo-swatch-shadow-hover);--bde-woo-swatch-color-background:var(--bde-woo-swatch-background)}:root{--bde-font-size-ratio:1.4;--bde-base-font-size:12px}.breakdance-icon-atom{display:flex;font-size:40px}.breakdance-icon-atom>svg:not(.breakdance-icon-atom-svg-gradient){font-size:inherit;width:1em;height:1em;stroke-width:0;stroke:var(--bde-brand-primary-color);fill:var(--bde-brand-primary-color);transform:var(--eeiTransform)}.breakdance *,.breakdance *:before,.breakdance *:after{box-sizing:border-box}.breakdance img{max-width:100%;height:auto}.breakdance-rich-text-styles>*:first-child{margin-top:0}.breakdance-global-gradients-sprite{position:absolute;width:0;height:0;overflow:hidden}.breakdance{background-color:var(--bde-background-color);color:var(--bde-body-text-color)}.breakdance h1,.breakdance h6{color:var(--bde-headings-color)}.breakdance a{color:var(--bde-links-color)}.breakdance{font-family:var(--bde-body-font-family);font-size:var(--bde-body-font-size)}.breakdance h1,.breakdance h6{font-family:var(--bde-heading-font-family)}.breakdance h1{font-size:var(--bde-h1-font-size)}.breakdance h6{font-size:var(--bde-h6-font-size)}.breakdance{color:var(--bde-body-text-color);font-size:15px;font-weight:400;line-height:1.6em;letter-spacing:0px;word-spacing:0px;text-transform:none}.breakdance h1,.breakdance h6{color:var(--bde-headings-color)}.breakdance 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Sebelum ni kita asyik cerita pasal beli, sewa, jual rumah je, kan? Hari ni kita spin sikit topik, tapi masih berkait rapat lagi dengan isu beli rumah. Sebab kalau hutang kita tu berlambak-lambak, komitmen pun kita huru hara nak kejar; kadang bayar, kadang tak, kadang cepat, kadang lambat, maka besar kemungkinan harapan nak beli rumah tu tipis.
Sebab apa? Dah tentulah sebab bank tak bagi pinjam banyak atau tak bagi pinjam langsung untuk beli rumah.
Iyalah, dengan komitmen sekarang pun terumbang-ambing, macam mana bank nak percaya kita boleh bayar lagi komitmen tambahan dengan angka yang besar tu? Hutang 5 angka pun kita struggle nak bayar, lagi nak tambah hutang 6 angka, susah.
Bila cerita tentang komitmen ni, bukan semua orang yang komitmen tinggi tu 100% salah dalam keputusan mereka. Siapa je yang duduk kerja di Lembah Klang ni bebas tanpa terikat dengan apa-apa komitmen? Lainlah kalau kita ni anak menteri atau jutawan; tak payah pening kepala fikir macam mana nak bagi loan rumah lepas.
Ya, komitmen memang tak dapat dielakkan; kita akan sentiasa berhutang. Dari belajar lagi kita dah mula buat berhutang (kecuali kalau kita budak pandai dan dapat biasiswa sepenuhnya).
Masuk alam pekerjaan kena tambah lagi komitmen; dah mula bayar duit kereta/motor yang kita pakai untuk pergi kerja hari-hari, dan mula bayar sewa rumah, dah mula slow-slow bayar hutang belajar, mula survey nak buat personal loan sebab nak kahwin. Nampak tak? Mana pun kita pergi, memang tak boleh lari dari hutang.
So apa yang kita boleh buat, kalau macam ni gayanya, memang sampai ke sudahlah kita tak dapat beli rumah, kan?
Tenang, sedara sedari sekalian. Memang akan struggle sikit bila kita nak beli rumah tapi banyak komitmen ni, tapi ia bukan benda mustahil. Kalau di FAR Capital; ramai dah boleh settle masalah ini dengan satu cara; penyatuan hutang atau debt consolidation.
Apa yang dimaksudkan dengan debt consolidation ni? Debt consolidation ni adalah bila mana kita nak uruskan semua hutang kita yang banyak tu di bawah satu hutang saja.
Adakah ini bermakna kita akan buat hutang yang baru? Ya.
Adakah kita gila nak tambah lagi hutang? Tak, kalau tidak mana mungkin kita kongsi kat sini.
Kebanyakkan mereka yang terbeban komitmen ni adalah bila tak dapat beza hutang baik dengan hutang jahat. Matlamat kita buat debt consolidation ni adalah untuk memudahkan pengurusan hutang dengan mencantumkan beberapa jenis hutang jahat kita tu kepada satu hutang yang lebih senang untuk kita uruskan payaran bulanannya.
Bila kita satukan hutang, biasanya kita akan ambil satu pinjaman baru dengan kadar faedah yang lebih rendah dari hutang-hutang kita yang sedia ada. Ini akan bantu kita untuk jimat lebih banyak tunai; dari membayar faedah bulan demi bulan, dan dengan consolidation ni, lagi cepat kita akan dapat bayar semua hutang kita.
Apa contoh debt consolidation?
So kalau dekat FAR Capital pula, macam mana kita buat debt consolidation untuk klien, sampaikan ada yang kena bayar komitmen RM4,000 sebulan pun hari ini boleh beli sampai 3 buah rumah pelaburan?
Di FAR Capital lain sedikit ceritanya; kerana salah satu keunikannya adalah kita akan selesaikan masalah hutang dalam kalangan klien kami; mengikut apa isu yang mereka hadapi. So tak ada framework plan A, plan B yang sama untuk semua orang, kerana lain orang lain masalahnya. Setiap orang akan diberi blueprint penyelesaian hutang mereka secara berbeza.
Kalau di FAR Capital, ada je yang memanfaatkan advantage rumah modal rendah dan rumah tanpa deposit ni untuk debt consolidation mereka. Serius. Beli rumah BAWAH MARKET VALUE, bila loan dah lulus, boleh dapat cashback lima, enam angka untuk guna buat bayar hutang-hutang lain seperti loan kereta, personal loan dan lain-lain.
Nak tahu lagi detail? Jom join on demand webinar kami PERCUMA je dan lihat sendiri macam mana anda boleh reduce hutang anda. Bukan tu je, anda juga boleh belajar macam mana nak beli rumah murah dengan modal rendah walaupun anda gig worker atau business owner.