Down payment se lekar registration aur emergency buffer tak complete home-buying budget banayein.
First home ka budget sirf property price nahi hota. Loan eligibility aur comfortable monthly cash flow ko saath dekhna better decision deta hai.
Why this matters
Stamp duty, registration, maintenance deposit, interiors aur shifting costs ignore karne se purchase ke baad financial pressure badh sakta hai.
Kya check karein
Stable income, existing EMIs, down payment, six-month emergency fund, loan processing charges aur post-possession expenses ka separate estimate banayein.
Brickly takeaway
Maximum eligible loan ko target na karein. Aisi EMI choose karein jiske baad savings aur normal family expenses comfortably continue ho sakein.