Home Loan Trick: Personal Loan se Down Payment, Rent se Recovery & Flat Purchase | My Story

Jab maine apna ghar kharidne ka plan banaya tab mere paas savings bilkul nahi thi. Lekin maine risk liya aur smart financial planning karke Bangalore me apna flat kharid liya.

📌 Step 1 – Personal Loan for Down Payment & Registration
Mere paas initial paisa nahi tha, isliye maine ek personal loan liya. Us paise se maine flat ka down payment aur registration karwaya.

📌 Step 2 – Flat ko Rent pe Dena
Flat lene ke baad maine turant usse rent pe de diya. Jo rent mujhe milta tha, usse maine apna personal loan aur interest cover karna start kiya.

📌 Step 3 – 3 saal me Recovery
Sirf 3 saal ke andar, rent ke through mera down payment aur registration ka paisa almost cover ho gaya. Matlab ghar kharidne ka pressure kam ho gaya.

📌 Step 4 – Property Appreciation
Maine flat liya tha Bangalore ke Electronic City me, jaha us time semi developed area tha. Rate sirf ₹3000 per sq ft tha. Lekin sirf 2 saal ke andar us flat ki value ₹5000 per sq ft tak badh gayi.

👉 Matlab, maine bina apni savings use kiye ghar kharid liya, rent se EMI handle ki, aur property ke price appreciation ne mujhe double benefit de diya.


---

✨ Learning / Tips for You

Agar aapke paas savings nahi bhi hai to smart tarike se loan + rent model use karke ghar kharida ja sakta hai.

Semi developed area me property kharidne se rate kam milta hai aur future appreciation high hota hai.

Risk lena zaroori hai, lekin calculated risk hi lena chahiye.