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@cryssy Agree with your take too. I'm in the same boat - no ancestral cushion. The emergency fund is a cushion, so you are right to ensure all expenses are covered incl. emi. Once that is done, I'd pay 5k or lower in monthly pre-payments depending on how the market is. At this point I am sitting...

@br4nd0n I purchased my apartment at the peak of covid wave 2 in bangalore. So, I got a discounted rate. My apartment is financed through home loan for 90% of the purchase value. However, it's a 30 yr loan. Above combined with a near 100% increase in rents have made my EMI lesser than current...

@cryssy Buy a roof over your house. It doesn't make financial sense to see an apartment / house as an investment. But it is worth having your own roof. I bought my first apartment at your pay in 2022. We had our first baby in 2023 and I feel proud of my decision to purchase an apartment. You...