For Millennials and Gen-Z, This is the Financial Solution to Get a Profitable Aesthetic House

Kapanlagi.com - Many young generations today are still struggling to buy a house due to the increase in property prices that do not match their income. Of course, this condition often becomes a concern for millennials and gen-z. Moreover, with the expectations from their parents. Because, most parents nowadays still think that not having a house means not living a successful life.

From here, there is a demand for young generations to have a dream house. Like Agustinus Michel, who is known as @paksugus on TikTok. He also believes that as a young generation, he dreams of an ideal home for his small family. Of course, the design style that is favored by the younger generation is a house with aesthetics that match the owner's character.

Several Fundamental Factors to Consider When Building a Dream House

Agustinus Michel believes that in choosing a house, it is not only about aesthetics. "There are several fundamental factors that need to be considered when building a dream house, such as the type of dwelling, location, and budget," he said.

First, in terms of dwelling, young generations must be able to see the advantages and disadvantages of choosing a house or an apartment. Because both of them have differences in functionality, maintenance costs, electricity and water costs, security services, as well as health and recreational facilities available around the residence.

Then the next factor is interrelated because the location will certainly determine the budget, and vice versa. Indeed, choosing the right residence is not easy because there are so many references on social media that can be preferences. Therefore, Agustinus Michel suggests that every young family who is going to build their dream residence must understand the needs and characteristics of their family.

Now is the Right Time for Young People to Have Their Own Residence

Agustinus agrees, Marizka Ellanda, National Secured Sales Head, PT Bank Danamon Indonesia Tbk, also said that now is the right time for the younger generation to have their own residence. This is partly because now there are many developers who design their properties according to the taste trends of the younger generation. According to her, for land houses, many young people want houses in clusters, modern but minimalist, with a small but homey environment.

There are also those who want their homes to be smart homes, offering many conveniences because of technology such as lights that can be turned on and off with a clap, music that is controlled by voice commands, and integrated security systems. Plus, the increasing trend of Work from Home also makes the younger generation want a comfortable home for them to work, for example, with a lot of open space to create a spacious impression.

In addition, she also suggests that the younger generation should dare to commit to buying property now. Because, according to her, property prices will continue to rise, and if money is only saved, it may not be able to catch up with the desired property prices. Even, he also argued that property can also be an investment, because a house that has become a property, can be pawned anytime if there is a sudden need such as children's school, family falling sick, and others.

Tips to Make a House Aesthetic

Adding Marizka, Agustinus also mentioned the importance of having your own house. "The key is a sense of belonging. People usually care more about their own belongings, because there is pride in owning them. From there, we will be motivated to make our house as aesthetic and as comfortable as possible, so that we can even get benefits from it," he said.

His tips to make a house aesthetic are, first, to create a moodboard before buying a property. The contents can be taken from the internet or from social media, the important thing is that its function is so that we can imagine what color and theme of the house we want. From there, we can determine which vendors or items should be chosen to fill our house so that it matches the theme and color, and fits the budget we have.

According to him, not all corners of the house have to be intentionally made aesthetic, but if the color is right and the purchased items are in harmony, it will automatically look aesthetically pleasing. Even, unconsciously, we as residents will automatically align ourselves with the aesthetics of the house.

"The house can influence its occupants. Like me, now unconsciously even my clothes have the same color as my house." I believe that the house we design and build from the heart, its influence will be beyond even what we imagine," he said. However, he reminded, aesthetics and functionality must remain balanced.

For him, a house has personality and branding, and it must be adjusted to the owner's branding and personality. In the future, the process of making a house as an effort to seek additional income can flow naturally, such as making content about our daily lives at home.

"During the content creation, I become more sensitive to my own house. From there, I am inspired to make the house iconic so that many brands endorse it. Then it becomes easier to market myself and my house to generate profit, using what is in front of us, such as smartphones and social media," he added.

Various Ways to Make Properties a Source of Income

Marizka added that now there are many ways to make a house a source of additional income. Besides being used as content and studio like Agustinus, people can also choose to buy a shop-house, so the house can also be used as a place of business. Well, the results of the business or content creation can be used to pay for the house itself.

After determining the choice of house and its aesthetics, according to him, young people can also take advantage of bank partnerships with developers, such as Danamon, which can help choose options that are suitable for the desires and needs of customers.

In addition to partnerships with trusted developers and various attractive programs, Danamon also has a flagship program, namely KPR Danamon Lebih, where savings and mortgage work together to benefit customers because the mortgage interest rate is the same as the savings interest rate. "So, the higher the balance in the account, the smaller the interest burden paid." Customers can also withdraw and deposit at any time because this is a savings account, not a deposit. It will be netted off at the end of each month," he said.

This product, along with various other financial solutions, is in line with Danamon's aspiration to become a one-stop financial solution provider in every stage of the customer's life. It also aims to help customers take control of all their financial needs and goals.

(kpl/glo)