India, Oct. 9 -- Buying a home in India's major cities is increasingly turning into a tug-of-war between aspiration and affordability. A recent Reddit post by a 30-year-old professional with a combined household income of Rs.3.8 lakh per month, along with his spouse, has reignited the debate on whether it makes financial sense to purchase a Rs.2.5 crore flat ( Rs.3 crore, including interiors and registration) in today's market.

The couple planned to make a down payment of Rs.50-75 lakh and take a home loan for the remainder, possibly for an under-construction property expected to be delivered in 2029.

Responding to the post, one Redditor advised caution: "At your age, my best number would be Rs.1.2 crore max. You need to work in reverse...