Bengaluru, Sept. 10 -- A Bengaluru techie's Reddit post has stirred a lively debate about real estate, finances, and lifestyle priorities. The 30-year-old, who has lived in South Bengaluru for nearly a decade, asked if it makes sense to buy a Rs.2.7 crore three-bedroom apartment in JP Nagar, with Rs.1.8 crore of it financed through a home loan.

He and his wife, both working professionals, earn Rs.5.1 lakh per month. After monthly expenses of Rs.60,000 to Rs.70,000, they have a strong financial base, including Rs.40 lakh in emergency and buffer funds, and a Rs.18,000 monthly rental income from a 2BHK in their hometown. With no kids planned for the next few years, they are considering using their savings, without touching investments, for ...