20/30/20 Rule: Kitna Ghar Aap Afford Kar Sakte Ho? | #oolka #creditworthy #homeloan

Ghar lena chahte ho, par budget kaise set kare samajh nahi aa raha? Is video me hum simple 20/30/20 Rule se batayenge ki aap apni salary par kitne ka ghar afford kar sakte ho.

20/30/20 Rule (Quick Guide)

20% Down Payment

30% of Take-Home = Max EMI

20 Years Tenure (assumed interest ~9% p.a. for illustration)

Example (₹1,00,000/month income):

Max EMI ≈ ₹30,000

Approx Loan Eligibility ≈ ₹27 lakh

Add 20% down payment → Home budget ≈ ₹37.5 lakh

How to Use It (Steps):

Apni take-home salary nikalo.

Uska 30% max EMI cap maan lo.

20-year tenure & ~9% rate ke hisaab se loan amount estimate karo.

20% down payment add karke total home budget mil jayega.
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