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Am I Ready to Buy a House?

9-question readiness check.

Stable income for at least 2 years (job or business)

Down payment (≥ 20% of property cost) ready

Separate emergency fund of 6 months expenses

Apart from down payment

FOIR (existing EMIs ÷ income) below 40%

Plan to stay in this city for 7+ years

Credit score above 750

Term life + health insurance in place

Stamp duty + registration money set aside (~7%)

Comfortable with EMI even if interest rate rises 2%

Your Readiness Score

0/100

WAIT

Buying now will likely cause stress. Build foundations for 12-18 months and re-take this check.

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Want a closer look at your ready to buy a house? numbers?

This is an estimate to plan with, not a loan offer. Compare it against the other calculators before you commit to anything.

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