STOP! KPR ATAU NGONTRAK, Makin Lama Mikir Makin Mahal

Every time you're asked "when are you going to buy a house?", your answer is always "save up first" — but you've never really calculated which makes more sense: mortgage or renting for your current situation. This video reveals how to answer that question using numbers, not feelings. House prices in Indonesia rise by an average of 8% per year, while employee salaries typically only increase by 5% — meaning the longer you wait for the "right time," the further you'll be from your own home. Mas Noto shows you how to calculate the Price to Rent Ratio (PRR), a simple formula to determine whether buying or renting makes more sense in your city, plus a Debt Service Ratio (DSR) to help you avoid breaking down your mortgage payments. There's also a fourth path that 90% of people don't know about: the FLPP (Housing Financing Liquidity Facility) Subsidized Mortgage with a flat 5% interest rate for 20 years — much more stable than commercial mortgages, which can jump to 10-11% in the third year. Includes quotes from Robert Kiyosaki and George S. Clason (The Richest Man in Babylon) on why your own home is still important, as long as you understand the numbers, not just for prestige or fear of being questioned by your in-laws. If you're still confused about whether to buy a mortgage or rent, this video provides 5 concrete steps — from calculating your PRR, checking FLPP eligibility through the SIKASEP app, to ensuring your emergency fund is secure before pursuing a down payment. ⏱️ TIMESTAMP: 00:00 - Hook: When Will You Buy a House? The Answer Is Always "Save First" 0:55 - Intro & Getting to Know Mas Noto's Workshop 1:28 - Chapter 1: The Problem Isn't Willing or Not, But When 4:09 - Chapter 2: Prepare the Numbers, Price to Rent Ratio 6:56 - Chapter 3: The 4th Path That 90% of People Don't Know About, FLPP Mortgages 9:21 - Chapter 4: Waiting for Perfect Conditions Is the Most Expensive Strategy 12:13 - Chapter 5: 5 Steps to Service Before Buying Your Own Garage 14:54 - Epilogue: Home Ownership Has a Psychological Foundation 🔧 IN THIS WORKSHOP YOU WILL LEARN: • How to calculate the Price to Rent Ratio (PRR) to determine whether buying or renting is more profitable • The Secret of FLPP Subsidized Mortgages — 5% flat interest for 20 years, requirements & how to check eligibility • How to calculate Debt Service Ratio (DSR) to prevent mortgage installments from causing financial problems • 5 concrete steps before deciding whether to buy a mortgage or continue renting 📌 SUBSCRIBE + turn on the bell so you don't miss our weekly financial service schedule: [channel link] 💬 Write your commitment in the comments section: "I want to calculate my DSR and check my FLPP eligibility this week." Mas Noto, the Financial Mechanic — a financial workshop for Indonesian employees aged 20–35 whose salaries always run out before the end of the month. This isn't economic theory that makes you sleepy. Every week, we unpack a real financial problem — mortgage or renting, salary management, debt-free, investing — down to its roots, using the logic of a workshop. Unpacking problems, building prosperity. #KPRorRenting #PersonalFinance #MasNoto