India, Feb. 22 -- Rohit Sarda, a 34-year-old IT professional in Bengaluru, plans to buy a two-bedroom apartment for Rs.80 lakh or less. He starts by assessing affordability, ensuring his home loan EMI stays under 40% of his net monthly income. Using online EMI calculators, he factors in stamp duty, registration and monthly maintenance costs. Rohit shortlists RERA-approved projects near metro lines, prioritising commute time, schools and hospitals. He also evaluates upcoming infrastructure in emerging micro-markets, balancing day-to-day convenience with long-term investment potential.

Prospective homebuyers should closely monitor interest rates, property valuation trends, upcoming infrastructure development, and policy changes impacting r...