Archive · 2 Aug 2025
2BHK vs 3BHK: Financial Advisor Weighs Property Options
Imagine you make a lot of money, like ₹2.15 lakh every month!
You want to buy a house and are deciding between a big one (3BHK) and a smaller one (2BHK).
The 3BHK is more expensive, meaning you'll have less money left over each month after paying the loan and other things.
The advisor suggests the smaller house might be better at first.
This allows you to save money for emergencies, like if you lose your job, and helps you save more, so you can buy the bigger house later if you wish.
It's like choosing a path that helps you feel safe and secure with your money.
An IT professional earning ₹2.15L/month is deciding between a 2BHK and a 3BHK property.
The 3BHK costs ₹90L with a ₹60L loan and a ₹50K EMI plus ₹50K extra repayment, leaving ₹15K monthly post-expenses.
The 2BHK costs ₹60L with a ₹30L loan and a ₹25K EMI plus ₹25K extra repayment, leaving ₹65K monthly.
Financial advisor recommends building an emergency fund and insurance coverage first.
Property price appreciation varies by city; 3BHKs may have lower resale liquidity than 2BHKs.
- Who
- An IT professional seeking financial advice on a property purchase.
- What
- A financial decision between a 2BHK and 3BHK property.
- When
- The article doesn't specify when the decision should be made.
- Where
- The location of the property is not specified.
- Why
- To determine whether to prioritize a 2BHK or a 3BHK property purchase based on financial considerations.
Financial Risk and Liquidity
Lifestyle Comfort
Financial Strain vs. Lifestyle
Financial Risk and Liquidity
The larger EMI for the 3BHK stretches finances, potentially leaving little room for an emergency fund.
Lifestyle Comfort
The 3BHK offers more space for family comfort and lifestyle.
Resale Liquidity
Financial Risk and Liquidity
3BHKs may have lower resale liquidity compared to 2BHKs.
Lifestyle Comfort
N/A
- Monthly Income
- ₹2.15L
- 3BHK Cost
- ₹90L
- 3BHK Loan
- ₹60L
- 3BHK Monthly Expenses
- ₹1L
- 2BHK Cost
- ₹60L
- 2BHK Loan
- ₹30L
- 2BHK Monthly Expenses
- ₹50K
- Existing Mutual Funds
- ₹16L