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#0 How much max salary for grade K ?
#1 How long does it take to promote in bny from grade K to L ?
#2 Any specific criteria for promotion? Expr , certification etc...?
#3 How much % hike to expect post promotion ?
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Hi ,I have been interviewed and selected in S&P Global .salary almost negotiated and waiting for the offer letter to release. But seems like they are not willing to release the offer because of my 90 np . They are asking to join by 60 days but initially I told them my NP is 90. Even I am ready to take the 60 days offer but now they are not releasing offer as they want assurance.Now they are not picking calls.seems like i will loose the offer. Is there anything can be done.
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I would suggest buying your own home instead of buying with your brother. There will be big differences between your wife and your brother's wife.
Why dont you buy two houses... one each... I have taken a 3bhk home along with brother and there are a lot of issues that come up.. better you have your own and he have his own...
It gets very difficult post marriage.. I am experiencing the same
3bhk two brothers bad idea rather buy two 2bhks else be prepared for kalesh post marriage
Bhai logo me unity hoti hai. Lekin shadi k bad break ho jata hai unity.
Lucky you . You and your brother both working and buy an Appartment. I am girl and my brother is boy . I need to give money to my husband house and not brother or parents
I also have to keep my sister in law with me and his parents !!!
Mother Teresa 2
Go for the house or else listen to the financial influencers about not buying the house podcasting all the way from their lavish homes bought via EMI only😂😂😂😂
@tata consultancy Isko abhi iske manager ka ping aagya Teams py isliye pehchaan nhi payega bhai😉🤣😂
Let alone the argument for buying the house I am more curious on how come there is no argument for separation yet 😂 it's impossible for two working/earning member to live in the same house with wives and children no way mmm huhhh mai nhi manta
Bro konsa mantra jaap karte ho to avoid daily conflicts and family drama ?
Me and my brother both software engineers living together without conflict but deep down i know after both marriage there will be issue so If I am in your place I will go 2 seperate 2 BHK on same floor
In my opinion,it's your hard earn money and you have right over it.Its completely fine if you don't wanna spend money on home.You can invest it and earn more and later buy home.
Also buying home jointly is not a good idea in my opinion.How you brothers will manage when u will get married and have kids?
You can not live forever together. I came back to India to leave with my family. We loved together till 5 years. Problem started when we both have kids. My nephew always bites or bits my daughter. We had to live seperately because you can not scold child(nephew) beyond some limit. It was very tough living together after you have children
Many people are demotivating him and pointing out that what happen post marriage.
Your family will be devided..
It's not always the case.
Be hopeful and positive.
Buy the house in the name of parents ( mother and father)
Buy a house..it's a good decision 👌
40 lpa joint income is good.
It will be an asset.
Post marriage you can also buy second home when you have a earning wife.
Buying house in the name of parents. What about claiming house loan tax benefit. Don't do that. If you buying, buy it jointly on your both names.
Bro ur yoe
BELIEVE ME I AM IN SAME POSITION
WE BOTH R EARNING N PLANNING TO BUY A HOUSE. MY FRIEND SAID TO US HOW ITS POSSIBLE FOR U BOTH TO STAY IN SINGLE HOME ITS IMPOSSIBLE ONCE U BOTH GET MARRIED UR WIVES WILL FIGHT AS BOTH WILL BE EARNING AND AT THAT TIME UR LIFE WILL BE HELL
BUY 2 FLOOR OF SAME BUILDING OR NEAR BY
AFTER THIS ANS PLS LET ME KNOE UR YOE
Pta nhi log yha separation ki baat kyu kr rhe h
Update: Guys Never thought I'll get these many response, maybe because of Deloitte 2 comments 😅. Finally I convinced them to Go for MF of 1.5 lakhs for 3 years, so we can have around 50+ lakhs in hand after 3 years.
Markets overpriced hai abhi, nifty 12k ho gaya next 2 saal me to "Tera ghar jayenga iske" 😅🥲😅😅
I think equity thoda risky hai short term investment ke liye
One tip from personal experience.. never ever ,stay with your brother after marriage in the same house. Relationship will be spoiled forever.
Just worried about the future, so please share your advice. I'm having 4 yoe. Also worried if I lose job it will be tough to pay emi, can't really travel nor can take break in life if we have EMI burden.
Rising Star
Well, you seem like you do want to stay with your family but have some doubts which are legit.
One solution that I have seen many families take up is that they buy a plot and make house and start living. Later if problems occur, they just make more floors and start living separately in same house. In my opinion that is very good solution it's kind of hybrid arrangement where you live separately with your wife and together with your family at the same time.
You can purchase plot/land. build 4 stories apartment by taking loan. Sell 3 stories keep one to yourself 🙂
So basically, do not try to earn more and find time for it aside from the daily job. Just keep doing the private job with a steady income until you are promoted by someone who himself is promoted.
Do not look here and there, just like a horse used in a cart is made to look just straight.
Joint property is the worst thing. U are only making provisions of fight for ur future children. Apna apna investment karo n take smaller houses need be. A peaceful smaller home is better than a big house without peace.
A joint income of 45.5 LPA and in a city like Hyderabad. I am sorry but you are spoilt. There are those on less than quarter of that in a city like Mumbai supporting entire family and still dreaming and working towards buying assets including house. Yes it is a fight. I am going to make some legit assumptions - you want to travel and take a break. I reckon your age less than 26 or at most 27? Also you didn't mention the 5th member.
Irrespective of what you and others think - things will change for sure as you age. Your interests and responsibilities. You won't be able to escape and if you do you won't escape the consequences - emotionally, socially and economically. I hate to say but I see a split happening between the brothers later down in the line unless yours is an exceptional family and the victims of that split will your parents. So try not let that happen. Besides, go ask a bank if they give joint loan to brothers - most likely they will say no. Two siblings of same gender especially brothers usually don't get a joint loan easily. Go figure why ,or read my message and the thread again for a hint.
Now in Mumbai a decent 1bhk in a decent locality is easily upwards of 1cr. A 1cr loan fetches a monthly EMI of about 70K-80K depending on multiple variables. With a joint income of about 2.9 LPM I don't see it a challenge to repay a meagre 80K a month unless you all are living like royals. Go lookup how many people in this country earn as much every month and you will know and that too for your city. This is not to demean you but to give you a reality check which you thoroughly need as I don't think your travelling is helping you with your horizons. Eventually what you do is upto you but it is manageable as long as you and they respect the keyword in my premise - Joint.
Why bank won’t give loan to joint ?? This is not right they will give happily
Don't get into this mess. Post marriage there will be 2 more members as you said and they might want to live separately, which is completely fair. You can't make these kinda long term decisions with brother especially if it's a house you all will stay in. Probably plan for independent house. Buy the plot now and slowly build 2 floors, one for you and your future family, one for him.
Or the independent house, and duplex please
If you guys are gonna split the emi in half half, then it’s a decent salary to pay half in emi because you’ll get raise too with every passing year
Chief
Not a good time to buy any real estate , looking at the slowing down economy as well as interest rates getting higher.
Don't be emotional fool of having a house just like everyone.
Keep investing for 10-15years atleast and then only you'll be able to decide where you would like to settle instead of binding yourself to this flat and burden of EMI
I assume you don't have any land/property in your or your parents name thats why they are forcing you guys to buy it now so that you can get married with ease as it is necessary constraint/requirement from brides side.
Instead of that you can buy some agricultural land(seperately) in your native (it will come cheap) and you don't have to dive deep into long term EMIs
If you are being forced to do something then it's not right. I understand from your comments that your brother seems like the decision maker in the house, but 3 bhk ,for 2 families will be tough.
Later you both are gonna have kids and it's going to get really cramped up. Better buy a separate house for yourself. I live in a 3 bhk with my inlaws. If we have kids , we will have a room for the kids. Else it's going to get so cramped up.
The solution is, you contribute some money on the down payment of the 3bhk and let your brother stay there with parents and take a separate 2 bhk for your self later. And tell this plan directly, that if we both have families , we would need a 5 bhk for us and kids and parents for everyone to have space. Else it will be a very cramped and chaotic situation.
And you need to buck up and learn to drive like a grown up. You can't talk like a 5 year old who needs the elder brother to take him places.
As a person who recently bought a home after going through the endless debate of rent vs own. I realized It is a personal choice and there isn't a one size fits all logic here.
Why I chose to buy:
1. Wanted an anchor in life
2. The Need to be free from the hassles of eviction and shifting
3. Interest amount upto 2L can be offset against taxable income so net interest paid to the bank is technically reduced.
4. It's easier to sell a flat that has been purchased at home loan rate. To down the line exchange for a commerical property. Than having to take a loan later at commercial rate (no LTCG as selling real estate to buy real estate has exemption, shares cannot accommodate this tax cut)
5. Peace of ownership