India, Feb. 12 -- Amid mounting fears of layoffs and AI-led disruption in the technology sector, many Bengaluru homebuyers, largely IT professionals, are reconsidering one of their biggest financial commitments: long-term home loan EMIs. With job security no longer assured, high monthly repayments can quickly turn into a strain if income suddenly stops. "The monthly EMI becomes a nightmare when the salary disappears," one user noted online.

At the same time, some argue that buying still makes financial sense if the EMI is comparable to or lower than rent, since loan repayments remain relatively fixed while rents typically rise each year. Even so, a growing number of tech professionals appear cautious about locking themselves into EMIs th...