India, March 12 -- A 27-year-old tech professional earning Rs.1.6 lakh a month has triggered an online debate after sharing that he is managing two home loans while holding investments worth Rs.44 lakh and simultaneously saving for his wedding. In a Reddit post, he said he pays around Rs.90,000 in monthly EMIs for two properties in Noida and Bengaluru and is unsure whether to prepay the housing loans or continue investing in stocks and other assets to build long-term wealth.

The first property in Noida was purchased for Rs.1.3 crore with a loan of Rs.60 lakh. The Redditor wrote that the outstanding balance is now around Rs.50 lakh at a 7.8% interest rate, with roughly 10 years remaining on the tenure.

The second property in Bengaluru wa...