How Much 3BHK Can You Actually Afford in Bangalore?

Most buyers start with the sticker price. Start with your EMI capacity instead.

Keep total EMIs under 40% of net monthly take-home. At 8.6% for 20 years, every Rs 1 crore of loan costs roughly Rs 87,000 a month.

Lenders fund 75-90% of the agreement value. Your down payment plus registration and interiors is realistically 25-30% of the all-in cost.

Add 12-14% over the base price for stamp duty, registration, GST on under-construction, floor rise, PLC, club and maintenance deposits.

Budget Rs 12-25 lakh for interiors on a 3BHK depending on finish level. Buyers routinely forget this and stretch their loan afterwards at a higher rate.

A Rs 1.4-1.6 crore all-in 3BHK typically needs Rs 2.4-2.8 lakh household take-home to stay comfortable. Our advisors run this model with you before shortlisting.