Owning a home is a dream for millennials like yourself. Currently, the millennial generation has entered the ideal age to have their own home. According to experts, 31 years to 36 years is the right age to purchase a home. In this age range, financial ability should be better. Also, if you are purchasing a house using credit, some installments have to be paid in the long term, which can be 10 or 15 years. Therefore it is important to do financial planning to ensure the installment that needs to be paid per month can be made.

The millennial generation can start planning to purchase a home from an early age. If they would like to take the Kredit Pemilikan Rumah (KPR) , they can prepare a down payment that is currently needed. Now making it even easier with the help of the 360 Digital Wealth Feature in the M2U ID App from Maybank. This feature will enable you to make your financial planning and dream come true.

As an initial step, you would need to determine the goals that you would like to reach. Then, stimulate the results through the 360 Digital Wealth feature which will then provide the recommended investment products that are suitable to achieve the goals that you want to achieve according to your risk profile.

As a recommendation, you can choose the money market mutual funds, which are suitable for novice investors. This is the type of mutual fund where managed funds are fully invested in the money market, time deposits, or short-term bonds. Investment over here is quite affordable, you can start as little, you can start with as little as IDR 100 thousand. Besides that, the money market is fairly liquid and low risk, making it the right choice of investment instrument used to prepare a down payment (DP) for a house within 1 year.

Other than the money market mutual funds, you can also choose Maybank MyPlan/ MyPlan Plus savings ( also available in Sharia principles). Maybank My Plan/My Plan Plus also enables you to save regularly every month with affordable regular deposits starting from IDR 100 thousand. There is an auto debit system that makes it easier and with a low administrative fee of only IDR 5 thousand per month. Later, every month the funds will be transferred from the source account automatically. One source account can be linked to up to 9 Maybank Term Savings.

You can also manage your finance with the 360 Digital wealth feature. With this feature, you can easily manage your spending from all Maybank Credit / Debit cards, Maybank QR Pay, and e-wallet. Not only that, monitoring and managing portfolios of savings, investments, and loans will also be simpler.

Good financial arrangements will make it easier to realize the dream of owning a dream home. Therefore, there is no reason to delay buying a house. Prepare the plan right now by using the 360 Digital Wealth feature.