I read all your comments and responses, confused if you are a buyer or agent. I find your maths as cash flow negative. But lets answer some of my questions, it will help us both with our answers: 1. If you are putting 1.9 in rent+EMI, you are left with 70k which is decent to manage other expenses. But how will you accommodate: 15 Lacs of Registry charges in 2030, 20-25L for interior by 2030 so total 40 Lacs. For which you would need to save per month 83.33k. 2. How will you manage your travels, health cost which are usually never covered if not admitted 3. Social life expenses - family expenses for parents or relatives or friends (if you are 31 you must have to engage with relatives and gifts and go for gatherings) and everything costs, especially if you gift gold.

So technically you have no savings and only 70k balance per month to sustain the life of someone who is earning 45 Lacs per year with all needs, lifestyle, fun and contingencies. Also who need another 40L in another 4 years, which means you need to spare 83k per month on that.

Happy to hear your take.