')}.amp-carousel-button-prev{background-image:url('data:image/svg+xml;charset=utf-8,Previous ')}.ampstart-dropdown{min-width:200px}.ampstart-dropdown.absolute{z-index:100}.ampstart-dropdown.absolute>section,.ampstart-dropdown.absolute>section>header{height:100%}.ampstart-dropdown>section>header{background-color:#000;border:0;color:#fff}.ampstart-dropdown>section>header:after{display:inline-block;content:"+";padding:0 0 0 1.5rem;color:#003f93}.ampstart-dropdown>[expanded]>header:after{content:"�"}.absolute .ampstart-dropdown-items{z-index:200}.ampstart-dropdown-item{background-color:#000;color:#003f93;opacity:.9}.ampstart-dropdown-item:active,.ampstart-dropdown-item:hover{opacity:1}.ampstart-footer .ampstart-icon{fill:#000}.ampstart-footer .ampstart-social-follow li:last-child{margin-right:0}.ampstart-image-fullpage-hero{color:#fff}.ampstart-fullpage-hero-heading-text,.ampstart-image-fullpage-hero .ampstart-image-credit{-webkit-box-decoration-break:clone;box-decoration-break:clone;background:#000;padding:0 1rem .2rem}.ampstart-image-fullpage-hero>amp-img{max-height:calc(100vh - 3.5rem)}.ampstart-image-fullpage-hero>amp-img img{-o-object-fit:cover;object-fit:cover}.ampstart-fullpage-hero-heading{line-height:3.5rem}.ampstart-fullpage-hero-cta{background:transparent}.ampstart-readmore{background:-webkit-linear-gradient(bottom,rgba(0,0,0,.65),transparent);background:linear-gradient(0deg,rgba(0,0,0,.65),transparent);color:#fff;margin-top:5rem;padding-bottom:3.5rem}.ampstart-readmore:after{display:block;content:"?";font-size:2rem}.ampstart-readmore-text{background:#000}@media (min-width:52.06rem){.ampstart-image-fullpage-hero>amp-img{height:60vh}}.ampstart-image-heading{color:#fff;background:-webkit-linear-gradient(bottom,rgba(0,0,0,.65),transparent);background:linear-gradient(0deg,rgba(0,0,0,.65),transparent)}.ampstart-image-heading>*{margin:0}amp-carousel .ampstart-image-with-heading{margin-bottom:0}.ampstart-image-with-caption figcaption{color:#4f4f4f;line-height:1.125rem}amp-carousel .ampstart-image-with-caption{margin-bottom:0}.ampstart-input{max-width:100%;width:300px;min-width:100px;font-size:1rem;line-height:1.5rem}.ampstart-input [disabled],.ampstart-input [disabled]+label{opacity:.5}.ampstart-input [disabled]:focus{outline:0}.ampstart-input>input,.ampstart-input>select,.ampstart-input>textarea{width:100%;margin-top:1rem;line-height:1.5rem;border:0;border-radius:0;border-bottom:1px solid #4a4a4a;background:none;color:#4a4a4a;outline:0}.ampstart-input>label{color:#003f93;pointer-events:none;text-align:left;font-size:.875rem;line-height:1rem;opacity:0;-webkit-animation:.2s;animation:.2s;-webkit-animation-timing-function:cubic-bezier(.4,0,.2,1);animation-timing-function:cubic-bezier(.4,0,.2,1);-webkit-animation-fill-mode:forwards;animation-fill-mode:forwards}.ampstart-input>input:focus,.ampstart-input>select:focus,.ampstart-input>textarea:focus{outline:0}.ampstart-input>input:focus::-webkit-input-placeholder,.ampstart-input>select:focus::-webkit-input-placeholder,.ampstart-input>textarea:focus::-webkit-input-placeholder{color:transparent}.ampstart-input>input:focus::-moz-placeholder,.ampstart-input>select:focus::-moz-placeholder,.ampstart-input>textarea:focus::-moz-placeholder{color:transparent}.ampstart-input>input:focus:-ms-input-placeholder,.ampstart-input>select:focus:-ms-input-placeholder,.ampstart-input>textarea:focus:-ms-input-placeholder{color:transparent}.ampstart-input>input:focus::placeholder,.ampstart-input>select:focus::placeholder,.ampstart-input>textarea:focus::placeholder{color:transparent}.ampstart-input>input:not(:placeholder-shown):not([disabled])+label,.ampstart-input>select:not(:placeholder-shown):not([disabled])+label,.ampstart-input>textarea:not(:placeholder-shown):not([disabled])+label{opacity:1}.ampstart-input>input:focus+label,.ampstart-input>select:focus+label,.ampstart-input>textarea:focus+label{-webkit-animation-name:a;animation-name:a}@-webkit-keyframes a{to{opacity:1}}.ampstart-input>label:after{content:"";height:2px;position:absolute;bottom:0;left:45%;background:#003f93;-webkit-transition:.2s;transition:.2s;-webkit-transition-timing-function:cubic-bezier(.4,0,.2,1);transition-timing-function:cubic-bezier(.4,0,.2,1);visibility:hidden;width:10px}.ampstart-input>input:focus+label:after,.ampstart-input>select:focus+label:after,.ampstart-input>textarea:focus+label:after{left:0;width:100%;visibility:visible}.ampstart-input>input[type=search]{-webkit-appearance:none;-moz-appearance:none;appearance:none}.ampstart-input>input[type=range]{border-bottom:0}.ampstart-input>input[type=range]+label:after{display:none}.ampstart-input>select{-webkit-appearance:none;-moz-appearance:none;appearance:none}.ampstart-input>select+label:before{content:"?";line-height:1.5rem;position:absolute;right:5px;zoom:2;top:0;bottom:0;color:#003f93}.ampstart-input-chk,.ampstart-input-radio{width:auto;color:#4a4a4a}.ampstart-input input[type=checkbox],.ampstart-input input[type=radio]{margin-top:0;-webkit-appearance:none;-moz-appearance:none;appearance:none;width:20px;height:20px;border:1px solid #003f93;vertical-align:middle;margin-right:.5rem;text-align:center}.ampstart-input input[type=radio]{border-radius:20px}.ampstart-input input[type=checkbox]:not([disabled])+label,.ampstart-input input[type=radio]:not([disabled])+label{pointer-events:auto;-webkit-animation:none;animation:none;vertical-align:middle;opacity:1;cursor:pointer}.ampstart-input input[type=checkbox]+label:after,.ampstart-input input[type=radio]+label:after{display:none}.ampstart-input input[type=checkbox]:after,.ampstart-input input[type=radio]:after{position:absolute;top:0;left:0;bottom:0;right:0;content:" ";line-height:1.4rem;vertical-align:middle;text-align:center;background-color:#fff}.ampstart-input input[type=checkbox]:checked:after{background-color:#003f93;color:#fff;content:"?"}.ampstart-input input[type=radio]:checked{background-color:#fff}.ampstart-input input[type=radio]:after{top:3px;bottom:3px;left:3px;right:3px;border-radius:12px}.ampstart-input input[type=radio]:checked:after{content:"";font-size:3rem;background-color:#003f93}.ampstart-input>label,_:-ms-lang(x){opacity:1}.ampstart-input>input:-ms-input-placeholder,_:-ms-lang(x){color:transparent}.ampstart-input>input::placeholder,_:-ms-lang(x){color:transparent}.ampstart-input>input::-ms-input-placeholder,_:-ms-lang(x){color:transparent}.ampstart-input>select::-ms-expand{display:none}.ampstart-headerbar{background-color:#fff;color:#000;z-index:999;box-shadow:0 0 5px 2px rgba(0,0,0,.1)}.ampstart-headerbar+:not(amp-sidebar),.ampstart-headerbar+amp-sidebar+*{margin-top:3.5rem}.ampstart-headerbar-nav .ampstart-nav-item{padding:0 1rem;background:transparent;opacity:.8}.ampstart-headerbar-nav{line-height:3.5rem}.ampstart-nav-item:active,.ampstart-nav-item:focus,.ampstart-nav-item:hover{opacity:1}.ampstart-navbar-trigger:focus{outline:none}.ampstart-nav a,.ampstart-navbar-trigger,.ampstart-sidebar-faq a{cursor:pointer;text-decoration:none}.ampstart-nav .ampstart-label{color:inherit}.ampstart-navbar-trigger{line-height:3.5rem;font-size:2rem}.ampstart-headerbar-nav{-webkit-box-flex:1;-ms-flex:1;flex:1}.ampstart-nav-search{-webkit-box-flex:0.5;-ms-flex-positive:0.5;flex-grow:0.5}.ampstart-headerbar .ampstart-nav-search:active,.ampstart-headerbar .ampstart-nav-search:focus,.ampstart-headerbar .ampstart-nav-search:hover{box-shadow:none}.ampstart-nav-search>input{border:none;border-radius:3px;line-height:normal}.ampstart-nav-dropdown{min-width:200px}.ampstart-nav-dropdown amp-accordion header{background-color:#fff;border:none}.ampstart-nav-dropdown amp-accordion ul{background-color:#fff}.ampstart-nav-dropdown .ampstart-dropdown-item,.ampstart-nav-dropdown .ampstart-dropdown>section>header{background-color:#fff;color:#000}.ampstart-nav-dropdown .ampstart-dropdown-item{color:#003f93}.ampstart-sidebar{background-color:#fff;color:#000;min-width:300px;width:300px}.ampstart-sidebar .ampstart-icon{fill:#003f93}.ampstart-sidebar-header{line-height:3.5rem;min-height:3.5rem}.ampstart-sidebar .ampstart-dropdown header,.ampstart-sidebar .ampstart-dropdown-item,.ampstart-sidebar .ampstart-faq-item,.ampstart-sidebar .ampstart-nav-item,.ampstart-sidebar .ampstart-social-follow{margin:0 0 1.5rem}.ampstart-sidebar .ampstart-nav-dropdown{margin:0}.ampstart-sidebar .ampstart-navbar-trigger{line-height:inherit}.ampstart-navbar-trigger svg{pointer-events:none}.ampstart-related-article-section{border-color:#4a4a4a}.ampstart-related-article-section .ampstart-heading{color:#4a4a4a;font-weight:400}.ampstart-related-article-readmore{color:#000;letter-spacing:0}.ampstart-related-section-items>li{border-bottom:1px solid #4a4a4a}.ampstart-related-section-items>li:last-child{border:none}.ampstart-related-section-items .ampstart-image-with-caption{display:-webkit-box;display:-ms-flexbox;display:flex;-ms-flex-wrap:wrap;flex-wrap:wrap;-webkit-box-align:center;-ms-flex-align:center;align-items:center;margin-bottom:0}.ampstart-related-section-items .ampstart-image-with-caption>amp-img,.ampstart-related-section-items .ampstart-image-with-caption>figcaption{-webkit-box-flex:1;-ms-flex:1;flex:1}.ampstart-related-section-items .ampstart-image-with-caption>figcaption{padding-left:1rem}@media (min-width:40.06rem){.ampstart-related-section-items>li{border:none}.ampstart-related-section-items .ampstart-image-with-caption>figcaption{padding:1rem 0}.ampstart-related-section-items .ampstart-image-with-caption>amp-img,.ampstart-related-section-items .ampstart-image-with-caption>figcaption{-ms-flex-preferred-size:100%;flex-basis:100%}}.ampstart-social-box{display:-webkit-box;display:-ms-flexbox;display:flex}.ampstart-social-box>amp-social-share{background-color:#000}.ampstart-icon{fill:#003f93}.ampstart-input{width:100%}main .ampstart-social-follow{margin-left:auto;margin-right:auto;width:315px}main .ampstart-social-follow li{-webkit-transform:scale(1.8);transform:scale(1.8)}h1+.ampstart-byline time{font-size:18px;font-weight:400}.ampstart-subtitle{text-transform:uppercase}.content-body iframe{max-width:100%}.margin-top-15{margin-top:15px}.margin-top-10{margin-top:10px}.text-red{color:red}.amp-social-share{font-size:14px;padding:5px;width:32%}amp-social-share{background-size:20px}.amp-social-list{position:absolute;bottom:30px}.followus{margin-top:-10px;font-weight:700}.box-artikel-terkait-images amp-img{width:80px;height:80px}.box-artikel-terkait{border-bottom:1px solid #ccc;padding-bottom:2px;padding-top:10px}.box-artikel-terkait-images{float:left}.box-artikel-terkait-images amp-img img{object-fit:cover}.box-artikel-terkait-description small{font-size:11px}.box-artikel-terkait-description p{font-weight:700;font-size:14px}.box-artikel-terkait a{text-decoration:none}.feature-images amp-img img{object-fit:cover}.ads{width:320px;height:auto;text-align:center;margin:70px auto auto}.ads-300{height:250px}.ads-300,.ads-600{width:300px;text-align:center;margin:10px auto auto}.ads-600{height:600px}footer{background-color:#fff}footer ul{margin:0;padding:0}footer a{color:#fff;font-size:12px;font-weight:400;text-transform:none}footer li{list-style:none}.footer-copyright{color:#fff;font-size:14px;text-align:center;padding:10px;background-color:#1d1d1b}.feature-images-video{background-color:#000;padding:20px 0}.content-body p{margin:10px 0}.align-center-button{display:flex;align-items:center;justify-content:center;flex-direction:row;width:100%}amp-web-push-widget .subscribe{display:flex;flex-direction:row;align-items:center;border-radius:2px;border:1px solid #007ae2;padding:6px 20px;font-size:12px;margin:15px 0 0;background:#0e82e5;color:#fff}amp-web-push-widget .subscribe,amp-web-push-widget .unsubscribe{cursor:pointer;outline:0;font-weight:400;-webkit-tap-highlight-color:transparent}amp-web-push-widget .unsubscribe{border-radius:2px;border:1px solid #b3b3b3;margin:0;padding:8px 15px;font-size:15px;background:#bdbdbd;color:#555}amp-web-push-widget .subscribe .subscribe-icon{margin-right:10px}amp-web-push-widget .subscribe:active{transform:scale(.99)}
Gaji Besar Bisa Jadi Penghambat Punya Rumah, Kok Bisa? Memiliki gaji besar tentu menjadi impian semua orang. Sayangnya, gaji yang nominalnya di atas standar penghasilan Masyarakat Berpenghasilan Rendah (MBR) akan mengalami kesulitan ketika akan membeli rumah. Perlu diketahui bahwa batas penghasilan MBR adalah Rp3,5 juta – Rp5,5 juta.
Kesulitan yang dimaksud bukanlah proses pengajuannya. Meski bukan tergolong MBR, membeli rumah bukanlah hal yang mudah. Mahalnya harga rumah hingga uang muka yang harus disiapkan adalah bagian dari hambatannya.
Tidak Bisa Dapat Subsidi Tak dapat dipungkiri bahwa terkadang memiliki rumah menimbulkan dilema bagi sebagian orang, terutama bagi yang penghasilannya berada sedikit di atas batas MBR. Anggap saja penghasilan bulanan Rp6 juta, maka Anda tidak akan bisa berkesempatan mendapatkan rumah subsidi.
Seperti yang kita tahu bahwa pemerintah memang menyediakan program rumah subsidi untuk MBR. Ada beberapa bantuan yang bisa didapatkan oleh MBR, yaitu KPR Sejahtera dan KPR FLPP. Sayangnya, Anda yang berpenghasilan di atas batas MBR tidak bisa mendapatkannya.
Selain rumah subsidi, memang masih banyak pilihan rumah dengan harga yang cukup terjangkau. Terkait hal ini, siapapun yang berpenghasilan di atas standar MBR juga tidak bisa mendapatkan bantuan uang muka dari pemerintah, termasuk program DP 1% dari BPJS Ketenagakerjaan.
Di sisi lain, seseorang yang penghasilannya berada sedikit di atas batas penghasilan MBR akan mendapatkan keuntungan ketika membeli rumah.
Mendapatkan Rumah Berkualitas Apabila dibandingkan dengan rumah subsidi, rumah non subsidi umumnya memiliki kualitas yang lebih baik. Bukan hanya itu, luas tanah dan bangunan pun lebih besar sehingga bisa dimanfaatkan sesuai dengan ruangan yang dibutuhkan.
Lokasi rumah non subsidi pun tentu lebih strategis dan lebih mudah mendapatkan akses transportasi jika dibandingkan dengan rumah subsidi. Kawasan perumahan non subsidi yang lebih berkembang pun tentunya lebih menjanjikan untuk dijadikan sarana berinvestasi.
Tertarik dengan kelebihannya? Oleh karena itu, memiliki gaji sedikit di atas batas penghasilan MBR bukanlah akhir dari segalanya. Anda bisa tetap memiliki rumah impian dengan cara mengelola penghasilan sebaik mungkin.
Artikel ini bekerjasama denganUrbanindo.com