A 25-year-old Mumbai-based professional earning Rs 1.3 lakh per month has ignited discussion online after seeking advice on whether purchasing a 1 BHK apartment priced between Rs 80 lakh and Rs 1 crore is a financially prudent move. She indicated that she does not plan to marry in the next two to three years but is uncertain how future life decisions might affect her housing plans.
In her Reddit post, she wrote, “I’m (25F unmarried woman) considering buying a 1BHK in Mumbai. I’m not looking to marry for the next 2-3 years. I’m born and brought up in Mumbai and earn around Rs 1.3 lakh per month in hand. I don’t have any other personal loans.”
She questioned how a potential marriage might alter her plans. “What if my future husband wants to buy a 2BHK or 3BHK for future kids and us?” she asked, wondering whether she would eventually need to sell the apartment, especially given the high cost of upgrading to a larger home in Mumbai.
Clarifying her priorities, she added, “Please don’t suggest other cities, since I have lived in Mumbai and have my family/relatives here, I’m not planning to settle elsewhere and hence want to purchase in Mumbai. My budget is Rs 80 lakh to Rs 1crore, and I do not have any major expenses yet. My question is less from expenses or EMI or downpayment perspective and more from a finance viability standpoint.” She also mentioned having savings of Rs 10 lakh and planning to rent out the property.
Several users advised caution, citing modest rental yields of 4–5% and potential vacancy and maintenance costs. Others suggested alternatives such as mutual funds or market-linked instruments, arguing that real estate is less liquid and involves significant transaction expenses.
One commenter noted, “Buying a house at 25 changes a lot of things. Your flexibility reduces… So don’t overthink the marriage angle. This is less about marriage and more about whether you’re ready for that level of commitment right now.”
Source: Hindustan Times
