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Chief
In what world will you have 30% of take home as your home loan EMI?
My home loan EMI percentage has been 70%, 120%, 70%. No regrets.
Sure..When I say good locality I keep in mind present connectivity and future plans for the area..
What!! 1.5 L as EMI?? Are you planning to take complete loan. U need to do as much downpayment as possible. Also if married, buying makes more sense so that you can share the emi burden.
Chief
Whenever you buy a home, make the minimum down payment to make best out of investments and tax savings. Low emi looks appealing but is not a great financial decision.