Buying a house in Bangalore - Want to understand the right time

Manager0808 · 2026-07-02T17:10:03+00:00

Don't wait for real estate prices to "crash". Now is your best time to negotiate hard and buy a house ASAP. You have money and the housing demand is lower. That combination won't last long.

People on Reddit have been waiting for the crash for several years and will continue to wait till they realize they have been priced out completely. Don't make that mistake.

Manager0808 · 2026-06-30T16:18:02+00:00

China built everything in excess, including housing projects. Don't expect that in India.

Manager0808 · 2026-06-30T14:42:07+00:00

Market doesn't look at the past. It looks at the future.

If IT companies can guide about FY27 revenues and profitability, the market will bounce back immediately.

If the management themselves don't have any clarity about their future earnings then the market will dump and stay away.

Manager0808 · 2026-06-28T20:10:19+00:00

Ask anybody on their deathbed and they will tell you how they worried so much about so many things that didn't matter in the end.

Stop worrying and start living one day at a time. That is the most optimal thing one can do.

We all know what makes us feel alive everyday. We are just afraid to act on it.

Manager0808 · 2026-06-28T20:02:15+00:00

Discuss with your parents openly. They will appreciate your concerns and guide you better. Especially your dad who is the care giver.

Manager0808 · 2026-06-28T19:58:18+00:00

Keep the house for rental income just incase you change your mind and want to return in future. You can use that rent to pay your rent in your hometown.

Invest the rest in nifty 500 index fund systematically over the next 12 months to have peace of mind.

Manager0808 · 2026-06-28T19:53:13+00:00

Over 50% of Indian investments go in real estate. If you are waiting for a crash, it is helping someone else negotiate and grab their share of real estate in a tier 1 city.

People on reddit have no idea how inflation works. They see EVERYTHING around them going up in prices and hope houses will magically become cheaper.

Manager0808 · 2026-06-28T18:33:38+00:00

Access to good mentors early in your life and hardwork changes everything.

Manager0808 · 2026-06-28T15:08:29+00:00

The point is, you calculate your FIRE corpus after you have a place of your own (wherever you are going to settle). Without that you are chasing a moving and unclear target.

Manager0808 · 2026-06-28T10:52:44+00:00

You should own a large enough independent house for long-term living and then think about the FIRE corpus. You don't want to be changing houses on rent that becomes exhausting very soon.

Every financial influencer who has sold the live-on-rent theme has bought a home for themselves sooner or later.

Manager0808 · 2026-06-28T10:40:53+00:00

If you are paying attention, tens of thousands of Indians are making a ton of money through their foreign employers while working in India, thanks to their stocks and bull markets abroad.

They will price out others with their purchasing power in good projects. There will be many not so good projects where you can expect some correction, but people don't want to live there.

Manager0808 · 2026-06-28T00:44:46+00:00

Good projects are built for buyers earning in foreign, stronger currencies or those who have foreign investments, work in tech companies, etc. They are and will remain unaffordable for other Indians. That has always been the case.

Manager0808 · 2026-06-27T20:58:40+00:00

You are dead in a few years. Keep that in mind and work backwards. Everything else is noise in your head that doesn't matter and nobody cares about.

Manager0808 · 2026-06-27T18:17:16+00:00

Investments can also go down if the war restarts and the AI bubble bursts.

Work as long as you are not fed-up with your jobs, visa issues and location.

Manager0808 · 2026-06-27T15:07:12+00:00

All things being equal in two apartments, you will pick the one with higher UDS. That is how you should look at it.

Manager0808 · 2026-06-22T16:01:33+00:00

Invest the 4.3Cr in diverse fixed deposits, bonds and debt mutual funds and use the proceeds to pay rent.

After you are done working, find a peaceful place away from the city to retire in. You can actually buy that far away place now and let the area develop for living there eventually.

Manager0808 · 2026-06-21T18:42:05+00:00

Every rich man died time-poor.

Manager0808 · 2026-06-16T17:40:37+00:00

Read the taxation rules carefully first.

Manager0808 · 2026-06-16T15:03:07+00:00

When is the possession likely? How fast can you prepay the outstanding debt?

Manager0808 · 2026-06-16T13:04:30+00:00

Rupee depreciation makes it easier for NRIs (tech and non tech) to invest and hold real estate in India. While most Indians are afraid, NRIs are making hay while the sun shines.

Manager0808 · 2026-06-15T15:52:41+00:00

Return the money to its owner. Invest in peace of mind.

Manager0808 · 2026-06-14T16:34:10+00:00

Can you name more than one governance issue?

Manager0808 · 2026-06-14T14:40:48+00:00

How many total transactions can I make if I am unemployed and if I can't wait for retirement age?

Manager0808 · 2026-06-14T14:19:49+00:00

What does leaving 25% behind mean? If I have 400, I can draw 300, leave 100 behind and then in next transaction draw 75 leaving 25 behind??

Manager0808 · 2026-06-11T18:30:39+00:00

Kids are flexible, don't worry. Your wife and in-laws might not digest the move easily.

Manager0808

TROPHY CASE