Estate Planning
Dita & Rafi - Planning Their Dream Home Without Financial Stress
Discover how Dita and Rafi, a young couple from Bekasi, created a clear roadmap for buying their first home—saving faster, reducing lifestyle debt, and avoiding financial traps with Finania’s expert help.
overview
Dita and Rafi, both in their late twenties, had just gotten engaged and dreamed of buying their first home within 2–3 years. Although they had decent jobs, they felt overwhelmed: no savings strategy, some lifestyle debt, and no idea how much they could realistically afford. They didn’t want to end up with a mortgage that would drown them. They turned to Finania to get clarity.
Challenge
They faced classic early-stage financial hurdles:
Had no home savings plan (just “saving what’s left”)
Both had separate debts (credit cards, gadgets, small loans)
No idea what property price they should aim for
Disagreed on priorities (car vs house, wedding vs savings)
Worried about banks rejecting their future mortgage
Solution
Finania helped the couple align their goals and take smart, practical action:
Ran a joint financial assessment to uncover blind spots
Built a “shared vision map” with timelines: wedding, house, honeymoon, etc.
Created a combined monthly budget with home savings priority
Suggested an emergency fund target before applying for a mortgage
Helped pay down high-interest debt first, then build credit scores
Ran mortgage simulations with safe repayment scenarios
Result
Metric | Before | After |
|---|---|---|
Joint Savings for House | Rp 2,000,000 | Rp 40,000,000 |
Total Debt | Rp 15,000,000 (combined) | Rp 4,000,000 (remaining) |
Budget Clarity | None | Shared, transparent system |
Home Affordability Target | Confusing | Clear: Max Rp 500,000,000 |
Saved 20x more in 10 months by prioritizing the right goals
Reduced financial tension in their relationship
Aligned on goals & confident to apply for mortgage next year
Avoided costly car purchase that would’ve delayed their dream home
