Buy a home without getting cheated

Start with rent vs buy — it checks whether buying beats renting and investing the same money, using the rental yield in your own locality rather than a rule of thumb. If it does, run the home loan eligibility calculator to find the price bracket a bank will actually fund on your salary. Then use the true cost calculator to see the full cash you need including stamp duty and registration, which no loan covers.

Roughly ₹18–22 lakh. The bank funds up to 80% of a ₹60 lakh property, so ₹12 lakh is the down payment. On top of that you pay stamp duty and registration of about ₹3–4 lakh depending on the state, plus brokerage, legal and technical fees, society corpus and interiors — none of which a home loan funds.

Money & Investing is about growing what you earn — SIPs, mutual funds, tax saving under 80C and splitting your salary. Home Loans & Buying is about buying a place to live. Land & Property for Sale is our own land desk, where we broker industrial, commercial and residential land in Delhi NCR — that one is a business, and it is labelled as such. Most people need both at different points, and every page tells you which section you are in, in the bar at the top.

The Land Desk brokers land as a commercial service. The Home Loans section does not sell or arrange loans and is not a lender, loan agent or DSA. Any active affiliate relationship is labelled beside the relevant link.

Nobody honestly knows, and anyone who tells you confidently is selling something. What you can control is your own maths: how long you will stay, the rental yield in your locality, whether the EMI stays under 40% of your income, and whether you have the cash for the charges. If those four work, timing matters far less than people think. If they don't, no market condition rescues the deal.