Short Term Goal

Buying a Home

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Buying a Home is one of the biggest decisions you will make in your lifetime. With careful investment & proper planning you can arrange Dream Fund for Dream Home.

1 Year Return


3 Years Return


I belong to middle-class family. My grandmother always said that we have to work for Roti Kapda aur Makaan (Food, Clothing and Shelter). For middle class a home in the city is like a dream, they always struggle for Roti and Kapda.

So, for buying own dream home we need long financial planning.

If middle-class people want to buy a home they have two options:

1) Take a home loan from the bank

2) Plan before 5 or 10 years early

1) Take a home loan from the bank

Dream Home

From the above image, it is clear that for buying a home you have to take a loan of at least 20 lakhs.

Time period of loan = 25 and interest on home loan = 12%

For 20 lakhs loan, you have to pay monthly EMI of Rs 21,064/month for next 25 years

For that loan, you have to pay total amount = 43, 19,345

Here you have to Pay 23 lakhs as an interest which more than doubles the principal amount. 

2) Plan before 5 or 10 years early

Dream Home

From the above chart, you can clearly see that if you plan for the home 5 or 10 years earlier and invest the same amount of Rs 21,000 that you above pay as an EMI

Interest on Investment = 12%

Then you will easily get the amount of Rs 50 lakhs (approx) in the next 10 years.

For the next 10 years if you include the inflation then also you can easily buy the same home in 50 lakhs in after 10 years.

By analysing the data here you can imagine how much you can save if you plan it earlier.

How much you are in the loss if you take the same home by taking a loan?

So, be wise and make a wise move

Invest money for a few years and buy a home without any loan repayment burden.

Dream Home

Equity2Commodity will guide you step by step on how to manage your fund for your Dream Home. This step-by-step guide gives you the complete idea where to invest for Dream Home and how much to invest?

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