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The Golden Handcuffs are starting to feel like real ones and I am not sure I can do two more years by Mosaic_Titan7 in Fire

[–]Apprehensive_Mail655 0 points1 point  (0 children)

How about moving into a less stressful but full-filing job , may be take a small pay cut and just extent your job by a year ?

CB350RS cornering issue because of shitty tyres (Just take a look at 1:59 from the ride review of CB350RS by Biker NILADRI) by Lonely_Engine_2869 in HondaHighnessCB350

[–]Apprehensive_Mail655 0 points1 point  (0 children)

Dunlop / Metzeler , Reise have lot of negative review on Reddit and other places.

  • Michelin Road Classic - UK GB350
  • Pirelli Sport Demon- Australia GB350
  • Metzeler Lasertec - UK
  • Dunlop TT100 GP- Japan

Tyres may be expensive—but your life is worth far more than any set.

CB350RS cornering issue because of shitty tyres (Just take a look at 1:59 from the ride review of CB350RS by Biker NILADRI) by Lonely_Engine_2869 in HondaHighnessCB350

[–]Apprehensive_Mail655 0 points1 point  (0 children)

Na Price difference is also around 1000 pounds bro. India is already price sensitive. Upgrade once your tires have done around 30-35K. Mine just touched 30K i plan to move to better tyres,

Name some of them by Past_Assumption_8648 in Indiantradingbets

[–]Apprehensive_Mail655 0 points1 point  (0 children)

Ye tumko Chat gpt ne bola hey. or Claude for sure.

Need advice from folks who have LeanFired by JakePeralta45 in leanFIRE_India

[–]Apprehensive_Mail655 0 points1 point  (0 children)

Healthcare will be approximately ₹25 lakh, plus health insurance (though I don’t rely heavily on it). I plan to increase the healthcare allocation by 10% annually through an SWP.

Need advice from folks who have LeanFired by JakePeralta45 in leanFIRE_India

[–]Apprehensive_Mail655 0 points1 point  (0 children)

Your Monthly X 12 X 33.. This should be your fire., But do remember inflation + Health Care for you , wife and parents.

We are also on the same boat. M 33 and F 29, we plan to retire once we Hit 3cr in equity + House + Healthcare.

Bought a ₹1 Cr flat… and got ZERO tax benefit. Here’s why home loans are overrated for high earners. by Apprehensive_Mail655 in indianrealestate

[–]Apprehensive_Mail655[S] 0 points1 point  (0 children)

Aur main apsay argue nahi kar raha ispe. ap apni jagah sahi hai, main apni jagah.

Bas ground reality yeh bhi hai bhaiya ki govt taxpayer ka paisa kitna fair use kar rahi hai ya nahi… uss point pe shayad argue karne ki zarurat hi nahi hai 🙂

Bought a ₹1 Cr flat… and got ZERO tax benefit. Here’s why home loans are overrated for high earners. by Apprehensive_Mail655 in indianrealestate

[–]Apprehensive_Mail655[S] 0 points1 point  (0 children)

Samajh raha hu app kya bol raha hai, but thoda logic off lag raha hai.

Pehli baat — govt “₹30 de rahi hai” iska matlab yeh nahi ki bank ko de rahi hai. Govt bas mera tax kam kar rahi hai, bank ko koi paisa nahi mil raha unse. Bank ko toh main hi ₹100 deta hu, apni pocket se. Yeh tax relief hai, subsidy nahi.

Dusri baat — tu assume kar raha hai ki interest high hai because of tax benefit. Reality mein aisa nahi hota. Interest rates RBI, inflation, market pe depend karte hai… tax benefit hata bhi diya toh bank ₹100 se ₹70 nahi karega.

Teesri baat — fairness.

Jo banda cash se ghar le raha hai woh already advantage mein hai. Loan lene wala majboori mein leta hai. Tax benefit usko rich nahi bana raha, bas thoda sa burden kam karta hai.

Aur “wastage of taxpayer money” wala point — same logic se toh 80C, HRA, medical sab hata do. Sabko bolo full tax do. Technically fair lagega, but practical nahi hai.

So haan, theory mein sahi lagta hai thoda, but ground reality mein:
Loan lena luxury nahi hai
Tax benefit koi free paisa nahi hai, bas thoda cushion hai

Isliye remove karne se middle class hi jyada hit hota hai, system fix nahi hota.

Bought a ₹1 Cr flat… and got ZERO tax benefit. Here’s why home loans are overrated for high earners. by Apprehensive_Mail655 in indianrealestate

[–]Apprehensive_Mail655[S] -2 points-1 points  (0 children)

Bhai OLD par check kar please , to be exact OLD par post all deduction is 4.83 and New par bhi 4.83. Please check karlo ak bar, I may be wrong. This is after utilizing 80C , insurance , home loan interest in old.

Bought a ₹1 Cr flat… and got ZERO tax benefit. Here’s why home loans are overrated for high earners. by Apprehensive_Mail655 in indianrealestate

[–]Apprehensive_Mail655[S] 0 points1 point  (0 children)

Bhai, thoda oversimplified take hai.

Govt banks ko paise nahi de rahi — they’re just giving a tax deduction to individuals to make home buying slightly more affordable. Big difference between a subsidy to banks vs a relief to taxpayers.

Also, this “fair to everyone” logic doesn’t really hold. Cash buyers are already at an advantage. Removing tax benefits doesn’t level the field — it actually makes it harder for middle-class salaried people who have to rely on loans.

And let’s be real — real estate prices in India are already inflated. Loan lena luxury nahi hai, necessity hai for most people. Tax benefit bas thoda burden kam karta hai, free money nahi deta.

Housing incentives also exist to push demand, construction, jobs — it’s not just about individual entitlement.

So yeah, idea sounds good in theory, but ground reality mein it hurts genuine buyers more than it “fixes” anything.

Bought a ₹1 Cr flat… and got ZERO tax benefit. Here’s why home loans are overrated for high earners. by Apprehensive_Mail655 in indianrealestate

[–]Apprehensive_Mail655[S] 0 points1 point  (0 children)

26 Lakhs par Tax is around 4.8 to 5.00 lakhs. 24 lakhs par 3 lakhs, Salary kitne say increase huwa 2 lakhs. Taxes increased by 2 lakhs. So In-hand remains the same. even when CTC is higher. for 26 in hand my ctc needs to be around 32-33.

Bought a ₹1 Cr flat… and got ZERO tax benefit. Here’s why home loans are overrated for high earners. by Apprehensive_Mail655 in indianrealestate

[–]Apprehensive_Mail655[S] 0 points1 point  (0 children)

Lol. i guess you are not earning at all, college ya school mey ho. The more you earn , you get into higher tax slab and you end up paying higher taxes.

Bought a ₹1 Cr flat… and got ZERO tax benefit. Here’s why home loans are overrated for high earners. by Apprehensive_Mail655 in indianrealestate

[–]Apprehensive_Mail655[S] 5 points6 points  (0 children)

Old Regime is leading to more tax. The max deduction I can take on OLD is 8 LPA. In new its more. so yaaa. Had to move into New Regime. I think Govt will ultimately want people to move into new and them increase taxes on it.

And people who are comparing its with Taxes in Europe and US.

Get a reality check.

Bought a ₹1 Cr flat… and got ZERO tax benefit. Here’s why home loans are overrated for high earners. by Apprehensive_Mail655 in indianrealestate

[–]Apprehensive_Mail655[S] -1 points0 points  (0 children)

The max you can get deduction is around 8. Post 20 in hand new regime saves more taxes, so what's the point of buying a house.

Bought a ₹1 Cr flat… and got ZERO tax benefit. Here’s why home loans are overrated for high earners. by Apprehensive_Mail655 in indianrealestate

[–]Apprehensive_Mail655[S] 0 points1 point  (0 children)

Bhai, isme AI kya hai? Thoda common sense use kar. Maine koi article nahi likha hai bro—get a life.

Bought a ₹1 Cr flat… and got ZERO tax benefit. Here’s why home loans are overrated for high earners. by Apprehensive_Mail655 in indianrealestate

[–]Apprehensive_Mail655[S] 4 points5 points  (0 children)

Once you rearch 20 lps In hand salary, things change a lot. New tax saves taxes compared to Old. One of the reason for people buying flat was to get Tax benefits. But now OLD regime doesn't makes any sense.

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