Can you really afford a house in India?

你在印度真的买得起房吗？

All you can see are hoardings screaming "Buy This House" !
And this is happening in every city I go to!

放眼望去，到处都是大肆宣传“即刻购房”的巨型广告牌！无论我去到哪座城市，都是这番景象！

But the decision of Buying a Home has so much more to it than what we can think of!

1. What does it really cost to "Own a Home" ?
2. 3 Metrics that you should know before choosing your home.
3. What is the actual ROI you make on your House Investment?

And finally,
Everybody’s story is different!
Buying a home is an emotional decision but the decision should definitely not be made out of FOMO, It should be made when you feel you are ready!

但买房这件事，背后要考量的远比我们想象的多！

1. 真正拥有一套房子，到底要花多少钱？

2. 选房之前，必须了解的三项核心指标。

3. 房产投资的真实回报率究竟是多少？

最后想说：每个人的情况都不一样。买房是感性选择，但绝不能因为跟风焦虑盲目入手。只有自己真正准备好了，再做决定才最合适。

真正拥有一套房子，到底要花多少钱？

房产标价只是基础房价，实际总成本会高出很多，以标价 1.5 亿卢比的房产举例，最终落地成本接近 1.8 亿卢比。额外必花费用包含：

法定税费：印花税、房产注册费、附加税与地方税；期房还要额外缴纳商品及服务税；

社区杂费：年度物业费预付款、水电开通费、小区公共维修储备金；

软装硬装成本：交房多为毛坯，两居室的装修加上税费，又是一笔高额开支；

长期隐性成本：几十年房贷产生的巨额利息，是购房者最容易忽略的一大笔开销。

以下是各国网友的评论：

abinashprusty4527
Learning: Grass is greener on the other side because it's fertilized with bullshit :P

道理很现实：隔壁的草坪看着更绿，只是底下全是烂事堆出来的。

ron4431
My office has two branches, one in Mumbai and one in Bangalore. However even after working for 7 years in the industry without ever getting fired, and working in 3 different companies, I still don't get enough salary to either buy a home in Mumbai or in Bangalore. So, I have decided I will return to my tier 2 town and open a small shop or something 10-15 years later. I am guessing if a home costs 1.5 crore now in those cities, it will cost 3 crore 15 years later, that too the most average ones. And I am saying all these after having a very good stock portfolio, an emergency fund of 12 months and health insurances for me and my family. I can cover everything with my salary but unfortunately I can't buy a damn home. The system has defeated us. Unless you are very intelligent or earn 3-4 LPM or more, you can't really afford anything in these cities, the world is only for the rich.

我的公司有两家分部，分别在孟买和班加罗尔。我在行业里打拼七年，从没被辞退，先后待过三家公司，薪资却依旧负担不起这两座城市的房子。我打算再过十到十五年，回到二线小城，开个小店谋生。照现在的行情推算，二线城市一套普通住宅如今售价1500万卢比，十五年后大概率会涨到3000万。我持有不错的股票资产，备足了一年的应急资金，也给全家配置了医保。工资足够覆盖所有日常开销，可就是买不起一套房。现行的社会规则压垮了普通人。除非天赋出众，或是月入三四十万卢比以上，不然根本没法在大城市扎根，这个时代只属于富人。

NriTamilanUSA
Houses are expensive for common man in India even if they earn 2 lakhs per month. I was not able to buy even a 2 BHK flat in Chennai in 2012. The monthly EMI was almost same as my salary and I was making 55k per month in 2012. Fast forward, I moved to USA and ironically I was able to buy a new individual villa in Atlanta with my salary alone (wife wasn’t working). Houses here cost 3 to 4 times annual salary with favorable interest rates. Indian real estate needs a reality check. Prices should fall atleast 50% for buying to make any sense

在印度，哪怕月入20万卢比，普通人依旧买不起房。2012年我在金奈工作，月薪5.5万卢比，就连一套两居室公寓都买不起，房贷月供几乎和我的工资持平。后来我搬到美国，反差格外讽刺：仅靠我一个人的收入，就在亚特兰大买下了独栋别墅，我妻子当时并没有工作。美国房价只需家庭年收入的三到四倍，房贷利率也很友好。印度楼市早就该回归理性，房价至少腰斩一半，买房才算合理。

pluxxar
I always thought of this why is this so why aren't we able to buy a damm house and now I don't need any house I'll be on rent enjoy with my money abroad vacation and all buttt I'll not give my money to these traitor builders it's my mehnat ka kamai

我一直想不通，普通人为什么一辈子都买不起房。现在我彻底想开了，干脆租房过日子。把钱留着出国旅行、享受生活，绝不给黑心开发商送钱，每一分薪水都是我辛苦打拼换来的。

vanshgupta2627
Buying a House just like everything in India is so Status- ised. Really hate the trend. First it was having a home Then it was how big the home is Now it is where the home is

在印度，买房和很多事一样，彻底沦为了面子攀比。我特别反感这种风气：过去只要有房就行，后来开始比房子大小，现在还要比拼房子的地段位置。

RangaPrakashs
Buying a flat in Bangalore is gotta be the worst deal ever known to mankind!

在班加罗尔买房，绝对是最亏本的选择。

baijusharma6027
My budget was 45 lac, l ended up buying 58 lacs.

原本预算450万卢比买房，最后硬生生花到了580万。

imAkkie5
Interior for 2 bhk in 7 lacs is almost impossible. It will be around 12-15lacs

两居室装修，70万卢比根本拿不下来，正常花费大概在120万至150万卢比。

anshuldwivedi1919
My wife was asking me to go for a ₹1.6Cr flat... in the outskirts of Bangalore, 20kms from my office. When I calculated the actual cost it was ~2Cr after adding interiors & misc charges + interest on loan. Decided to continue on rent.... given the current job market; taking a long term loan is a sure shot suicide note as soon as unemployment hits

我妻子想在班加罗尔郊区买房，标价1600万卢比，离我上班地点足足20公里。算上装修、杂费和贷款利息，实际总成本接近2000万。我最终决定继续租房。当下就业环境太差，背上几十年房贷，一旦失业，基本就是绝境。

gagandhilipraj2255
I'm currently going through the same. Plus I got laid off on March 29th. And I have a big ass home loan with additional expenses required to complete our Construction, for now total comes to 1.4cr started at 2023 and 2024 my dad passed away now everything is on my head and there's Still like 10% Construction work to be done before we could move in. So it's not completed yet. And I'm only earning person at least was. I hope people take well informed decisions and not based out family or societal pressure or impulsive. What I got out of this is no proper sleep, no peace of mind I'm 27 unmarried with 1.4cr of debt. Not worth it.

我正在经历一模一样的困境。我在3月29号被裁员，身上背着巨额房贷，自建房屋还有尾款和施工开销，总负债高达1400万卢比。建房从2023年动工，2024年父亲离世，所有压力全都压在我身上。房子还差一成工程才能完工，至今无法入住。家里原本靠我赚钱，现在彻底断了收入。真心劝大家，买房一定要理性规划，别被家庭催婚、社会眼光裹挟，更不要一时冲动。今年我才27岁，未婚，身负千万债务，日夜失眠、心力交瘁。为了买房变成这样，真的得不偿失。

srikv9557
Absolutely few humble pointers
1. Home is for consumption not an investment unless you don't know what to do with excess of money.
2. Home is personal experience and not a display or show off, so buy within affordability.
3. 2bhk or 3bhk doesn't matter. Neighborhood, locality, accessibility to essentials, peace of mind matters most.
4. Add interest on emi to acquisition cost. Add the charges and fees to one time expenses. Add taxes and maintenance to recurring expenses.
5. Be clear and be decisive as survival comes first before thriving.

分享几条实在的建议：

1. 房子是用来住的，不是投资品，除非手里有花不完的闲钱。
2. 住房是给自己过日子的，不用拿来攀比炫耀，量力而行就好。
3. 两居三居无所谓，小区环境、地段配套、出行便利、生活安稳才最重要。
4. 算购房成本一定要加上房贷利息，各项手续费计入一次性支出，税费和物业费算进日常开销。
5. 认清现实、理性选择，先稳住生存，再追求生活品质。

AkshayKittur
Government increases the ready reckoner rates frequently but the tax exemption on home loan interest is stuck at 2 lakhs per annum since bronze age

政府不断上调房产基准估价，可房贷利息的免税额度，多年来一直固定在每年20万卢比，丝毫不变。

av-i4m
1990s was perfect decade to buy house or land. 2000s started to drift the cost

九十年代是买房买地的黄金时期，进入2000年后，房价就开始一路疯涨。

prashank
Indeed, i feel like a fool for being born in the 90s. Should have bought a house when I was 3.

说得太对了。生在九十年代太吃亏，真想小时候就把房买好。

priyansupanda4835
When homes were cheap they said don't buy but invest , when prices went up, they are now saying not to buy.

房价便宜的时候，人人劝你别买房、去理财；房价涨到天价，又开始劝你千万别买房。

flaminG-Ghost
In simple terms: Whatever amount you see on the billboard, add 50% cost.

说白了，楼盘标价再好看，实际入手总成本还要再多出五成。

NationFirst_12865
How about living in the house for 10 years and saving on rents?? You forgot

怎么没人算一笔账？自住十年，省下的房租也是一大笔钱。

dragontoldme
I have been traumatized for the past 12 years by the relatives, friends and family members to buy a house on a loan. I stood and standing firm in not engaging in such activity instead I decided to build wealth in other asset classes like equity, gold, silver and mutual funds. My point is house is a house if you are going to live in it. It is one of the asset class if you consider it as investment. Will you buy stocks, mutual fund, gold by taking a loan? Mostly No. Then buying a house with a lengthy loan which your son or daughter might inherit from you if you failed to pay, is a strict no. It's an emotional connect and society plays along in the effort of trying not to look alienated.

十二年来，亲戚朋友天天催我贷款买房，搞得我压力巨大。我一直坚决拒绝，转而投资股票、黄金、白银、基金来积累资产。我的观点很简单：自住只是刚需，别强行当成投资。没人会贷款炒股、买黄金，那为什么要背负几十年房贷买房？一旦无力偿还，债务还会留给下一代。买房大多是情感绑架和社会偏见，只是为了不被身边人孤立。

harsh2945
equity isn't performing as well..at least safeguard yourself with own house

股票投资收益并不稳定，拥有一套自己的房子，至少能给自己一份安稳保障。

patrkdeepak
You get loan for buying house, but you won't get loan for buying stock. Think of it and which is better and stable

银行愿意放贷买房，却不会借钱让你炒股。好好想想，哪种方式更稳妥。

SanthoshSBLR
Your stance will change in next 10 - 20 years and you will regret of not having your own house to live. Rental while financially might make sense to few people, it is absolute nightmare cities. Especially when you have to move or forced to moved.

再过一二十年，你的想法一定会改变，没买房迟早会后悔。租房就算看着划算，在大城市也充满麻烦，频繁搬家、被房东赶出去都是常态。

liyonpj9333
Glad that I built a house outside of the city, living without EMI.

幸好我在城郊自建了房子，不用背负房贷，日子过得很轻松。

balaravichandran5761
Facilities like somalia also weather sucks in india but pricing like Europe

印度基础配套落后、环境糟糕，生活条件堪忧，房价却对标欧洲。

sahil5832
Pricing is decided by demand and supply. It is High because people are ready to pay

房价由供需关系决定，价格居高不下，只因为总有人愿意高价接盘。

prashantsathe7873
@sahil5832 True. But when it comes to basic necessity like home prices can be manipulated by factors controlled by government, builders and bank lobby. Further, black money circulating in real estate further inflates pricing.

你说的没错。但住房是刚需，房价被政府、开发商、银行利益集团联手操控。再加上楼市大量流通黑钱，进一步哄抬了房价。

MalayKumar98
I and my wife together earns 50 lakhs per annum, yet when we walked the market to buy a home, we realised few things:
1. We have to forgoe our savings and end up 0.
2. The EMI will be too much of a problem.
3. May need to take an additional loan just for interior and registration.
We are happy living in rent.

我和妻子年收入合计500万卢比，看房之后才清醒过来：

1. 买房会掏空所有积蓄；
2. 房贷月供压力巨大；
3. 装修、办证还要额外借钱。

最后我们选择租房，反而过得轻松自在。

2050_T
Bhai 50 lakh kya work kerte ho bhai

兄弟，年收入五百万，到底是什么神仙工作？

shobhalvenkatesha2727
Wow! Great package still you are thinking it's not possible.

天呐，收入这么高，居然也觉得买房吃力。

deepakprasad4027
A wise man once said -
"Every bubble is born to burst; it is just a matter of time."

有句话说得很对：所有泡沫终将破裂，只是早晚问题。

nblogger527
Also though so, but this real estate bubble is not bursting. Even if flats remain vacant for years, still the prices remain the same for sometime, and then eventually go up again. Black money of a few people has ruined affordable housing for a lot of people in India.

我也这么认为，但印度楼市泡沫迟迟不破。大量公寓常年空置，房价短期稳住不跌，之后还会继续上涨。少数人的黑钱涌入楼市，彻底毁掉了普通人的买房希望。

agastya5257
The house cost this much Mainly due to Government Bribe. The builder has to Pay Crores for simple permits and that cost is forwarded down to Us. Unfortunately My country is busy in Mandir and what not

房价居高不下，主要是因为官场贪腐。开发商办个审批就要行贿上千万，最后所有成本都转嫁到购房者身上。可惜国家不关心民生，天天纠结宗教议题。

Pav-i4m
Why bring mandir in between?
What about freebies by kejriwal and rahul

没必要扯宗教寺庙吧？那些政客乱发福利补贴，难道就没问题吗？

agastya5257
@Pav-i4m I am against each and every party that exsts in India.
Anybody with a brain knows none of them is bothered about us.

我反对印度所有政党。但凡有点脑子都清楚，没有一个政党真正在乎普通民众。

vijaydevok
Add Car Parking space too which are sold separately.. and range between 3 lac to 15 lacs. depending on the builder and location in Mumbai

别忘了还有单独售卖的车位。在孟买，根据地段和开发商不同，一个车位售价30万到150万卢比不等。

idioticfun1901
Yes you can afford plenty of homes at many places... But you're just looking for places at Bangalore, Mumbai.

很多小城市房价很低，完全买得起，只是大家都扎堆盯着班加罗尔、孟买这种大城市而已。

415Gamer00
the 1 crore home would cost around 1.15cr approx after extra cost and excluding furniture. selling at 1.5 cr we get 35L and after capital gain tax it becomes 30.8L considering house bought on cash

标价一千万卢比的房子，算上各类杂费，不含家具，实际入手大概1150万。如果1500万卖出，账面利润350万，扣除资本税后，实际到手只剩308万（全款买入前提下）。

rxreflections
One big point is missing here . In Tier 2-3 cities atleast: People do all dealings in max, respecting just the circle rate amount only , and that just widens the asses of those expecting to pay white money only.

大家忽略了一个关键问题。在二三线城市，房产交易普遍黑白两份合同，只按官方基准价走正规报税，剩下大额现金私下交易，老老实实全款走正规渠道的人，反而最吃亏。

MECH_ADHI
Subconciously I made a decision which perfectly aligns with the 30% rule. I bought a home which is exactly 5 times my annual income and the emi is exactly 30%. Back then i didnt know this rule exsted. I dont have any other loans. Currently living 6kms from office and its the best decision i've made. Till now, havent bought anything on emi except my motorcycle which was a trivial loan of 1L and I paid it off in one year. I am able to go to work and never worry about anything because i have built an emergency fund including parental care.

我当初无意间踩中了买房的黄金法则。房价刚好是年收入的五倍，房贷月供只占收入三成，那时候我根本不知道这个标准。我没有其他负债，住处离公司六公里，买房是我这辈子最正确的决定。除了当初花10万小额贷款买摩托车、一年内还清之外，我从没分期消费。我存足了应急资金，也预留了赡养老人的开销，上班生活安稳踏实，没有任何后顾之忧。

daylight_20
As a Genz it feels impossible, but then I see some of the influencers buying their own home and feel like maybe I'm not good enough. I keep spiralling whenever I think about owning a home, as somebody with no financial safety net.

作为新生代年轻人，买房简直遥不可及。每次看到网红轻松买房，就会陷入自我怀疑。没有任何家庭经济兜底，一想到买房这件事，就无比焦虑迷茫。

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