people buying a ₹1.5 Cr flat on emi think they’re building wealth. let's do the actual, real math: • down payment: ₹30 lakh • monthly EMI (20 yrs @ 8.5%): ₹1.05 Lakh • total interest paid to bank: ₹1.03 Crore • maintenance + taxes over 20 yrs: ₹25 Lakh you just paid ₹2.78 Crore for a ₹1.5 Crore property. if you invested that ₹30L down payment + the ₹60k EMI difference in index funds at a basic 12% return: your portfolio in 20 years = ₹8.4 Crore. BlBuying a home in your 20s isn't financial security. It's a ₹1 crore donation to your bank because you were scared of renting.