Home Finance Planning Guide 2026: Budget, Down Payment, EMI & Tax Benefits
Home finance planning means knowing your true property budget before you apply for a loan. In 2026, Indian buyers should keep total housing costs within 30–40% of net income, target a 15–20% down payment, stress-test EMI against rate rises, and use Section 80C and 24(b) tax benefits to lower the long-term cost of ownership.
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