Bangalore23mo
by SqueakyDonutSoftware Engineer
What's the optimum Rent/Income ratio for 20LPA SDE house-hunting in Bangalore
Wife Working in Whitefeild and I am working in Koramangala Looking across multiple regions in Bangalore
FluffyUnicorn
Paying ₹40k rent for ₹2.5L in hand income, financially is it too much?
2BHK in a perfectly located Central Bangalore close to Ulsoor Lake and 15 minutes from work
8mo ago
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WobblyCupcake
Stealth8mo
For family or bachelor? Age? 2.5L is very good, 40k rent is very much affordable and reasonable
FluffyUnicorn
Stealth8mo
I’m a bachelor and 32M (having 5YOE, started late), but my parents make a visit every quarter and stay for over a month usually. So sharing the space with someone is not viable
WobblyCupcake
Stealth8mo
Cool, I think it's totally fine. You must be saving/investing a good amount as well. I make similar amount, pay 62k as home loan emi, built house at my hometown, and live alone in pune, pays 25k rent there 32, unmarried
SnoozyLlama
I'm taking 55k rent + 2.8L in hand + husband salary of 1.75 in hand 😎
33yo
FluffyUnicorn
Stealth8mo
By taking, I’m assuming you have a tenant paying you ₹55k?
SnoozyLlama
Yup, from 2 houses - 15k & 40k
FuzzyPanda
Stealth8mo
I’m curious about you starting your career late, can I ask why? Because of higher education? Masters?
FluffyUnicorn
Stealth8mo
No higher education yet. Had a yearback in college because of personal things, did not go for college placements. After college did random gigs, mostly figuring out what to do next. Later learnt Frontend engineering (self taught + mentors help) and then began my career. It was a “der aaye, magar drust aye” wala situation. Also, shoutout to India’s booming economy!
SparklyCupcake
Stealth8mo
A great house is the best investment. You spend the most amount of time there. Spend more for a great house, because it gives you peace of mind and an environment to be happy.
If you look forward to going back to your house and spending time in it, it’s okay to spend. Also this is only a small part of your life. A few years amongst many.
FluffyUnicorn
Stealth8mo
Totally agree with this and makes sense
SwirlyTaco
Salesforce8mo
It is reasonable i am paying same rent in Hyderabad.
FluffyUnicorn
Stealth8mo
Thanks for the validation lol
FuzzyNugget
Linkedin8mo
That’s 15% of post tax income, it’s great. Personal finance cults put the upper end at 30% of gross
JumpyUnicorn
Stealth8mo
isn't it okay, i m paying 17k for one room full furnished in noida with 1lpa in hand? plus like u I don't have travel expenses as office is 2km only
SnoozyDumpling
Stealth8mo
Sort of worth it considering you earn well and you can't afford to waste energy in commute. My office is close to Cubbon park and I found an independent 2Bhk for 15k. Although my commute time is only 30mins, I hate it. Mainly because the metro ride itself is hell every fuckinn time. 9am, 9pm no fucking change in the crowd, no fucking seats.
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