Topic

Affordability

Every Journal article on affordability, starting with the one we would read first.

4 articles

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Should you buy a home right now? Five questions to answer before you open a single listing

Most buyers start with listings and work backwards to a decision. Do it the other way round: five questions, each with a number you can check, tell you whether buying fits you at all. On a ₹1 crore flat, the cash alone comes to about ₹40 lakh.

Read this first →Buyer Guide · 3 min read

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How much home can you afford? Three limits, and the lowest one wins

Banks tell you the most they will lend. That is only one of three limits. On the same ₹25 lakh salary, the lender's limit allowed a ₹1.54 crore flat, comfort allowed ₹1.08 crore, and ₹25 lakh of savings allowed only about ₹54 lakh.

affordability home loan emi

3 min read

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On ₹40 LPA, a bank may lend you ₹1.85 crore. Here's what you can actually afford.

The loan a bank will approve and the home you can comfortably afford are different numbers. We worked through three households on the same ₹40 LPA salary: their comfortable budgets range from about ₹1.19 crore to ₹1.81 crore, and each needs ₹49–69 lakh in cash up front.

affordability home loan emi

4 min read

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The Bengaluru couple on Reddit can afford their ₹2.7 crore flat. The price is the real question.

A Bengaluru couple asked Reddit whether to take a ₹1.8 crore loan for a ₹2.7 crore J P Nagar flat. On their reported finances the EMI is comfortable. But at ₹15,000 per sq ft, the price sits above three-quarters of asking prices in that pincode. Here's the full working.

bengaluru rent vs buy affordability

4 min read

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