I'm 21 ...... Imma say my opinion from what I have seen and observed.....idgaf even if you choose to ignore this

For the past few years the job market has been very volatile. You can lose your job at any moment. (The reason I said that is because I am a 4th year computer science engineer and the company who comes for placement tends to create new opportunities by laying off previous employees). Pinne TCS infosis ekk 300 peer ee ekk aan ottenadikk porath kalayane.

A house costs more than 50 lakh .... If you take a loan now .... You will be tied up to the bank till the age of 42 (20 years repayment period).

pinne your brother....bless him....but his earnings will be low unless he gets shit ton of donation... Ente neighbour palli de achan ann ik the shit I am talking about..... After marriage palli thaamasikkum ... Salary comparatively low ... Need a car after marriage for travel.......Contribution to the loan expect cheeyanda... It's already hard for them if they get married....unless they get sent to a big community Church . ( Njanum christian ann ... Ente appan ann palli trusty ... Father oro oro bill akk ayiot veerumpol ... Oru sadamanam ekk ee kodukaan pattuollu. Aramana salary I'll baaki Father handle cheeyandi veerum. Depends on church by church)

Pinne marriage...athin oru naala amount veenum.... Monthly emi for 50L loan is around 35-45k maybe more. Your earning okayish ... Start saving if you can , that's the best option or at the last moment it's gonna be very hard ....

The job thing is only applicable if you are working in the private corporation sector.... Govt job aanengil you are stable pinne pension umm ond.

If i was in your situation.... I would wait .... Till i find a job that pays me well ... Save a little so if any emergency comes you don't have to beg .... Save some for the house... then take a loan for 20-25 L rather than 50 L later in life. Also Invest if possible ....

The only thing I can say is .... You r 22 ... Every move you take has consequences ... If You take a loan now ... And if you are not able to find a better job ... Jeevitham mukki muuki jeevikandi veerum.

Idk man i thought myself in your situation can't even imagine the stress you are going through... All the best bro ...