5 Tips to Make Buying a House on a Regional Minimum Wage Still Possible!
Housing is indeed a primary need for every individual. However, the increasingly high price of houses, which is significantly higher than the Regional Minimum Wage (UMR), prompts many people to reconsider their dream of owning a home. This shouldn’t be a cause for concern or discouragement. Owning a house in 2026 on a UMR salary is still possible by following these tips.
1. Subsidized Housing
Currently, various government assistance programs are available, including VAT incentive programs and subsidized housing, which can be accessed through installment payments suitable for those earning a UMR salary. The subsidized housing program is aimed at low-income communities (MBR) to help them purchase their first home. Subsidized houses can usually be paid in installments without a down payment and with a flat 5% interest rate, making it much easier for those earning a UMR income to purchase a home.
2. Used Houses
If the “new” status isn’t an issue, then you can consider looking at used houses. Some used homes actually offer better amenities and access at a lower price. You can search for used homes on property listing sites like Rumah123, Pinhome, or Facebook Marketplace. The downside to used homes is usually the renovation costs that will be incurred later. Be sure to do your research before deciding to buy a used home.
3. Adjusting Location and Budget
For those of you who spend most of your time in the city center, owning a home in the city might seem easier. However, with your current income, it’s more realistic to look for a home in the suburbs, such as Bogor, Depok, Tangerang, or Bekasi. To ensure your mobility and activities are not hampered, you can choose a location close to public transportation or toll roads.
4. Save and Avoid Debt
If you still have debt, it’s best to pay it off first to avoid disrupting your savings and improve financial management. Once the debt is paid off, you can allocate your money to savings and investments.
5. Additional Income and Investment
To increase your purchasing power, you can earn extra income by taking on a side job. Some additional sources of income can even simplify the requirements for bank loans. This money can be leveraged as investment capital, which can be disbursed within a certain period.
YUKARI Sawangan is a housing development in Depok City, accommodating those seeking a residence on the outskirts of Depok without compromising mobility to busy centers like Jakarta and BSD. Just minutes from the Pamulang and Desari Sawangan toll roads, you can easily travel and spend your days productively. Despite its location on the outskirts of the city, various conveniences, such as healthcare facilities and shopping centers, are easily accessible around YUKARI Sawangan. If interested, you can contact us at 0823-1133-4579 (WhatsApp), visit us via Instagram DM, or visit the official YUKARI Sawangan website here.
