Old and new tax regime for 15.5 LPA in hand salary ,need guidance

If I take home loan after 3-4 months and then change my regime to new,what's your opinion on this @JuniorAspic1

go for new regime if you dont have home loan. TCS salary structure is fraud, they have a very low percentage of basic salary of the total package, this makes the HRA and NPS and other deductions very less.