买房常犯3大“误”点：

许多国人投诉房屋价格难以负担，但一味埋怨并不能解决问题。说到底，想要拥有自己的房屋，还需靠自己。

不过买家也要记得，购买房屋应注意不要超过自己的可负担范围。财务规划公司MyFP Services Sdn Bhd执行董事兼认证财务规划师（CFP）Eng Meei Yu提醒说，应先了解自己的财务状况，才做出重大的财务决定，例如买房子。

从个人理财的角度来说，购屋者常犯的错误有三：

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1. 没有妥善管理资金流

不规划开支，可能导致入不敷出，进而拖慢买房进度或贷款违约。

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2. 没有拟定财务计划

财务计划考虑的是财务状况和目标，是长期的理财策略，能够帮助一个人做出更好的财务决定。

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3. 对财务和人生过于乐观

相信船到桥头自然直是自欺欺人的。我们应该清楚认识到买房所伴随的挑战，并尽早做好应对的准备。