Bangalore IT Flat Layoffs

For IT folks planning to buy a flat, what’s your fallback plan in case you get laid off? With current EMIs being so high due to rising property prices, even a few months of unemployment could put you in serious financial trouble. On the other hand, if you don’t buy now, prices will keep inflating, making homeownership even more unaffordable in the future. Example-1cr house a year back is 1.8cr now. So the more you delay the unaffordable it will get and your budget will push you out and out of the city I know this feels like the classic middle-class debt trap, but how are you guys managing this risk? Would love to hear your thoughts (and please, no ‘just don’t be poor’ advice