You work at a company? Your company provides a range of facilities? Home office, official vehicles, health facilities, and so forth? If yes, you are someone who was lucky. Because, over there are still many people are struggling to get shelter, repay home loans, and car loans.
However, if you're really lucky? At present, yes. However, later, many years to come, when you are no longer working at the company, you probably actually will reap trouble.
Let's see your seniors in the company who happened to have entered retirement. When they no longer use the home facility of the company, when their vehicle was pulled back by the company, and when the monthly income as a retired no more than 30-40 percent compared to revenue when it was still active.
In reality, not the least among the retirement age even when the stress. During the productive period, they entered the trap facility provided by the company and did not have time to prepare themselves in retirement. During productive, they are reluctant to buy homes and vehicles. Income used for consumption. There are no funds left over that can be used for productive things, both investment and asset accumulation. So, if you do not want to get caught in the trap of the company's facilities, it helps to think of it more of the following.
Designing financial
First, the status of the company's facilities, both home and vehicle, is borrowed wear. And, it is only valid as long as you are still serving in the company. In other words, if something bad happens and you lose your job has yet to retire, still, all facilities shall be withdrawn by the company. So, in principle, not a loan used to have. Therefore, you must ensure yourself, basically you do not already own a home or personal vehicle.
Second, as early as possible, since starting work, although not getting the position or the company's facilities, should you start designing for growing financial assets, mainly houses and vehicles for ease of transport daily.
The principle is simple, ie there must be funds set aside from your income to the needs of investment or asset accumulation. If the new work, at least you should set aside 30 percent of income for savings and investment purposes. The bigger your income, the greater the fund should be set aside. Do spending is always greater than the increase in revenue. If this happens, you should throw away the desire to cultivate an asset because your income will always be discharged for consumptive purposes.
Third, calculate the allocation to purchase homes and vehicles. If you've got a house facilities and vehicles, you certainly do not need to be "forced" to buy houses and vehicles at this time. You can use the home and company vehicle provided. However, you must calculate what the price of rental homes and vehicles you use it. That much must you save money every month. So, at one time, these funds can be used to buy a home or personal vehicle. That's the simplest way.
Home mortgage and car
Alternatively, you take a mortgage to buy a house. For what? Able to be occupied or leased. You can occupy your own home if the company is willing to provide compensation in the form of houses and rents or leases a vehicle with a note home you do not use the facilities of the company. If the company does not provide compensation, it does not mean forbidden to buy a house with a mortgage from the beginning. After all, the house could be contracted out first so that it becomes productive and the results of the rent can be used to help repay loans to banks.
Fourth, the vehicle too. There are companies that provide loan facilities simply wear, where all vehicles are company property. However, there are also companies that provide vehicle facilities by hiring another company. The question is whether, if the productive vehicle-to-three or five years is up, companies are willing to sell it to the user, namely you? If yes, then you do not need to "impose" buy personal vehicles
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