Home affordability in India: decide budget before shortlisting projects
Who this is for: buyers turning salary and savings into a realistic purchase budget.
| Monthly take-home | Suggested EMI ceiling | Illustrative loan size* |
|---|---|---|
| ₹1,00,000 | ₹30,000 | ~₹35–38 lakh |
| ₹1,80,000 | ₹55,000 | ~₹65–70 lakh |
| ₹2,50,000 | ₹75,000 | ~₹90 lakh–₹1 crore |
*Indicative at 20-year tenure and common floating rates.
Biggest mistake to avoid: exhausting emergency corpus for down payment.
Best choice by scenario: keep 6–9 months expenses after down payment and registration costs.