Life moments

Buying a home

How much loan is comfortable, how to build the down payment, and what to check before you sign.

A home is usually the biggest purchase of a lifetime, and the loan behind it can run for 20 years or more. Getting the size of the EMI right matters more than the exact interest rate.

If you will need the down payment within a few years, build it in safer investments, and keep your emergency fund separate.

Your checklist

Tick items off as you go; nothing is saved.

Keep all EMIs, the new home loan included, within about 30–40% of take-home income.
Save the down payment and costs such as registration and stamp duty; together these are often 20% or more of the price.
Keep money you need within 3 years in safer options such as debt funds or deposits, not equity.
Compare loans on their interest rate type, processing fees and prepayment terms, not just the EMI.
Take term cover at least equal to the loan, so your family is not left with the EMI.
Keep your emergency fund intact after paying the down payment.

Work out your numbers

Each calculator opens with these example figures; change them to your own.

How we can help

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