Overview

• Mint reports a 34-year-old earning ₹3.7 lakh a month asked if a ₹2 crore flat was feasible despite ₹50 lakh in savings and a ₹30,000 rent.
• Hindustan Times details a couple with ₹3.8 lakh monthly income weighing a ₹3 crore purchase, with a ₹50–75 lakh down payment and a possible 2029 handover for an under-construction option.
• Community calculations put EMIs near ₹2 lakh for a ₹2.4 crore loan at roughly 8.4% over 30 years, leaving limited room for other expenses and elevating risk from layoffs or rate hikes.
• Financial Express highlights the hefty upfront outlay as a key barrier, with a ₹1.5 crore home requiring about ₹40–45 lakh in cash after including stamp duty, registration, brokerage and deposits.
• Financial planner Suresh Sadagopan urges buyers to cap EMIs to sustainable levels, maintain a six-month emergency buffer and avoid under-construction projects for a first home, while many view renting as a prudent interim choice.