https://preview.redd.it/tn72jypelvee1.jpeg?width=577&format=pjpg&auto=webp&s=b8ca067c4d98b3c3635f120fcc7c99183675b84a

Banks insist on at least 25% down and the rest can be a loan on the 3.8cr.

So you need

- 1cr down, which you have. You will also get 54F tax savings if you sell long term assets

- 2.8cr loan. For a 15y loan, the EMI will be 2.8LPM. If I assume that your in-hand is 1cr/year, then 2.8LPM comes within the 40% EMI/In-hand rule.

- You can step up the EMI by 10%, in line with hikes, to pay off the loan in around 10 years.

So all that is fine.

Coming to the psychological aspects,

- this is how generational wealth is created. If you live here for 20y and then move to a cheaper place, it will either give 3% (of the then market value) as rent or can be used by kids [the point on rental yield is a bit nuanced. The yield for you is on 3.8cr since that is what you paid but will be at 3% for anyone looking at it from outside as per current market vlaue. Rents increase with time]

- working in Tier 1 cities is inevitable. Our cities don't have the transport infrastructure of London or Tokyo or the road network of the US where you can stay far away and then commute

- focus on your careers to upskill and increase income

Some guides:

- [How to manage a home loan if you are worried about job loss?](https://arthgyaan.com/blog/how-to-manage-a-home-loan-if-you-are-worried-about-job-loss.html)

- [What should be your income to buy a luxury property in India?](https://arthgyaan.com/blog/what-should-be-your-income-to-buy-a-luxury-property-in-india.html)

- [Should you consider paying off your home loan faster in your 40s or 50s?](https://arthgyaan.com/blog/pay-off-home-loan-faster-in-40s-or-50s.html)

- [Sec 54F: a hack that can save lakhs in taxes when you buy a house](https://arthgyaan.com/blog/sec-54f-save-capital-gains-tax-while-buying-a-house.html)

Bike వద్దు car లో తీసుకెళ్ళు బాబు ని స్కూల్ కి అని గోల మా ఇంట్లో.

If you file complain to Uber, Uber will return the extra money you paid as Uber Cash.

Better rent a scooter if you’re planning to move around a lot. Auto aadre you’ll end up spending more, I feel. 600+250 petrol (even less depending on traffic) will be more than sufficient to keep you moving for the day. There’s a rental place called Eezeerentals in Nazarbad. Check them out.

Bhai maine bhi kiya tha aisa post kuch time pehle lol
I’ll be in btw

DAV BSEB used to be very good school till 2012, then it got commercialised a lot, they increase 11-12 pcm sections from 5 to 15+. IMO ( based on my experience from 2005-2014) the quality of teachers drop drastically , only top 5 sections had some good teachers. Not sure what is the status now for Lower classes like 9-10th.

Arey ye phir se Kurukshetra se related, I like that but aur boht hai yaar .. Gurugram se related IT revolution dikha skte hain, olympics wala Chlo naya hai.. science se related bhi dikhaya jae

Nowadays I use Youtube for everything learning related

Dav bseb is already good why would you want to switch

bus the best way is the bus.


or if you can, take the stairs

Me

Dadi is threatening AI's jobs

See this is how false narrative works.

First nobody stopped him at all.

Second a similar case happened in this area 18-20 years ago and the people who stoppee were not upper caste but local Gurjar who are OBC.

This nonsense still works against a false narrative against Rajput in this state.

Most of this Ghodi nonsense is obc community stopped sc/st people from riding a horse.

Have some sense and shame.

Amazing 😻 Cant believe its Alwar.

I don't know if anyone remembers, but Kashmir Vastralay kr just bahar (ussi building mein) South Indian dishes khilata tha jaise Dosa, Sambar Vada etc.
Ab wo nahi khilate, band hi ho chuka hai (the shop remains though).

Taste bahut mast tha uska!! Aur Coffee ke to kya hi kehne!!

so less chatni

I'm sorry but neptune is not at all visible anywhere near Vijayawada due to the light pollution, must be either saturn venus and some other star or as another commenter said, mars and castor and pollux, would help to narrow it down if you could tell the heading at which you took the photo

Time waste

https://preview.redd.it/yad1p5phmlee1.jpeg?width=1080&format=pjpg&auto=webp&s=ecccf4016ea9eb48c4c7691c2a5405a20ca1f594