Buying a home feels like a dream, right? But what if rushing into it could actually cost you a fortune? That’s exactly what a young couple discovered when they came to CA Abhishek Walia with Rs 25 lakh saved for their first flat. Excited and ready, they wanted to lock in their dream home. But the numbers told a different story—and the lesson was all about timing, strategy, and letting money work for you.
The couple, both in their early 30s, earned Rs 2.4 lakh per month combined, had no kids yet, and carried zero debt. On the surface, it seemed perfect to buy their first home. But when CA Walia ran the numbers, reality hit. Their potential EMI, maintenance, and interiors would total Rs 78,000 per month, while their current rent was just Rs 26,000. That Rs 52,000 difference wasn’t just money—it was untapped wealth waiting to grow.
Walia advised them to hold off on buying and instead invest that extra Rs 52,000 each month. Over ten years, this strategy could potentially grow their savings to Rs 1 crore—without adding financial stress. They listened, waited, and three years later, their savings had already grown to Rs 38 lakh. The takeaway? Homeownership is emotional, but jumping in too early can trap you. Buy smart, time it right, and your house can become a powerful wealth-builder rather than a money drain.
Fully paid 2 BHK vs Rs 1.5 cr flat with lifelong EMIs
CA Nitin Kaushik highlights a truth many ignore: a fully paid-off 2BHK is often wiser than a flashy Rs 1.5 crore flat tied to lifelong EMIs. While the expensive dream home boasts imported tiles, designer lights, modular kitchens, and a society gym, it comes with EMIs of Rs 80,000–Rs 1 lakh for 20 years—meaning you could end up paying Rs 2.8–3 crore, including interest, with the bank really owning it. On the other hand, a simple Rs 50 lakh paid-off 2BHK may lack glamour, but it offers full ownership, financial freedom, peace of mind, and flexibility for career breaks or emergencies. True wealth isn’t luxury—it’s freedom and stress-free living.
The couple, both in their early 30s, earned Rs 2.4 lakh per month combined, had no kids yet, and carried zero debt. On the surface, it seemed perfect to buy their first home. But when CA Walia ran the numbers, reality hit. Their potential EMI, maintenance, and interiors would total Rs 78,000 per month, while their current rent was just Rs 26,000. That Rs 52,000 difference wasn’t just money—it was untapped wealth waiting to grow.
Walia advised them to hold off on buying and instead invest that extra Rs 52,000 each month. Over ten years, this strategy could potentially grow their savings to Rs 1 crore—without adding financial stress. They listened, waited, and three years later, their savings had already grown to Rs 38 lakh. The takeaway? Homeownership is emotional, but jumping in too early can trap you. Buy smart, time it right, and your house can become a powerful wealth-builder rather than a money drain.
Fully paid 2 BHK vs Rs 1.5 cr flat with lifelong EMIs
CA Nitin Kaushik highlights a truth many ignore: a fully paid-off 2BHK is often wiser than a flashy Rs 1.5 crore flat tied to lifelong EMIs. While the expensive dream home boasts imported tiles, designer lights, modular kitchens, and a society gym, it comes with EMIs of Rs 80,000–Rs 1 lakh for 20 years—meaning you could end up paying Rs 2.8–3 crore, including interest, with the bank really owning it. On the other hand, a simple Rs 50 lakh paid-off 2BHK may lack glamour, but it offers full ownership, financial freedom, peace of mind, and flexibility for career breaks or emergencies. True wealth isn’t luxury—it’s freedom and stress-free living.
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