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🏠 Planning to Buy a Home with a Home Loan?

One of the biggest mistakes people make before taking a home loan is
❌ Not planning an emergency fund.

📌 Why is this dangerous?
When you take a home loan:
• EMI becomes a fixed monthly obligation
• Your income may fluctuate due to job switch, promotion delay, or business slowdown
• But EMI never stops

💡 That’s why an emergency fund is non-negotiable.

✅ What you should do:

✔ Keep at least 6 months of EMI as an emergency fund
✔ Ensure this fund is easily accessible
✔ Buy property only after emergency planning

⚠️ If you don’t have an emergency fund,
don’t rush into buying property or falling into the EMI trap.

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