Whalesbook
Buying a home in 2026 hinges on your income keeping pace with prices and interest rates. The Reserve Bank of India sets loan-to-value ratios: up to 90% for homes under ₹30 lakh, 80% for ₹30-75 lakh, and 75% above ₹75 lakh. With a 20-year loan at 8% interest, your EMI should ideally stay below 30% of your monthly income. Experts from Sanghvi Realty and Easy Home Finance emphasize that smart financial habits and a strong credit profile are becoming more critical than just high salaries for securing home loans.