What term should I choose while applying for home loan?

The term is really a function of your repayment capacity. At any rate, ensure that your EMI doesn’t exceed 50% of your monthly take-home pay. A number 40% or lower is generally more comfortable. You can keep this variable in mind and choose your term accordingly.

In case you are buying an under-construction property and hence are forced to pay both rent and EMI at the same time for a few years, the ratio of EMI to your income should be even lower.

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