Should I Invest in a ₹2.7 Crore 3BHK with ₹1.8 Crore Loan? Bengaluru Techie Seeks Advice
A 30-year-old Bengaluru techie's Reddit post has sparked a heated debate about whether it's wise to invest in a ₹2.7 crore 3BHK in JP Nagar with a ₹1.8 crore home loan. The couple is weighing the pros and cons of buying versus renting.
Real EstateHome LoanBengaluruProperty InvestmentFinancial PlanningReal EstateSep 10, 2025
He and his wife, both working professionals, earn ₹5.1 lakh per month. After monthly expenses of ₹60,000 to ₹70,000, they have a strong financial base, including ₹40 lakh in emergency and buffer funds, and a ₹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 the ₹90 lakh down payment and related costs.
The flat spans across 1,800 square feet (sqft) in an eight-year-old gated society built by a reputed developer. It offers metro access, greenery, and a peaceful living environment. The couple currently pays ₹35,000 in rent and prefers staying in the southern part of the city rather than relocating to areas like Sarjapur or Outer Ring Road (ORR), despite most IT jobs being located there.
Redditors were divided. Some praised the location, build quality, and long-term liveability. Others questioned the price, suggesting similar homes are available for less. A few warned about overcommitting financially and recommended renting while investing the rest.
“2.8 is a bit expensive for an apartment in south bangalore (I've seen 3bhks in gated socieities going for 1.8-2.3 cr) but if you really like the flat & the area then go for it; you can afford it,” a user replied.
“If this house is truly where you want to be for the next 15–20 years, then stretching is justified. If there’s even a small chance you’ll want to move in 7–8 years, renting in that area while continuing to invest aggressively may give you better balance. A house should give you freedom and security, not tie you down with anxiety. Run the numbers again with worst-case assumptions (higher rates, income dips, job changes). If you’re still comfortable, go ahead. If not, wait,” another advised.
The debate highlights the complex decision-making process involved in real estate investments, especially in a city like Bengaluru where property prices are high and financial planning is crucial. The couple's decision will not only affect their current financial stability but also their long-term goals and lifestyle choices.
Frequently Asked Questions
What is the main financial concern of the Bengaluru techie?
The main financial concern is whether it is wise to invest ₹2.7 crore in a 3BHK apartment in JP Nagar, with ₹1.8 crore financed through a home loan, given their current financial situation and future plans.
What are the monthly expenses of the couple?
The couple's monthly expenses range from ₹60,000 to ₹70,000.
What are the benefits of the 3BHK apartment they are considering?
The 3BHK apartment offers a spacious 1,800 sqft area, metro access, greenery, and a peaceful living environment in a reputed gated society.
What advice did Redditors give?
Redditors provided mixed advice. Some praised the location and build quality, while others cautioned against the high price and suggested renting and investing instead.
What should the couple consider before making a decision?
The couple should consider their long-term plans, financial stability, worst-case scenarios, and whether the property aligns with their lifestyle and investment goals.
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