29/04/2026
For a ₹10 crore home — most people think they need ₹2 crore ready.
The real number will shock you.
Here’s what nobody tells you about buying luxury in Bangalore:
🏦 Bank loan: ₹8 cr (80% max)
💰 Down payment: ₹2 cr
📋 Stamp duty + reg: ₹60-70L
🧾 GST (under-construction): ₹50L
🛋️ Interiors + parking + club: ₹30-50L
Real upfront cost: ₹3.5 crore minimum
But smart buyers take 60% loan, not 80%. So plan for ₹4-4.5 crore liquid.
💡 BONUS for working couples:
Apply as joint borrowers. Your combined income = higher loan eligibility + lower interest rate + ₹7 lakh tax savings every year.
For ₹8 cr loan, EMI is ~₹7L/month. Banks need combined income of ₹14L (₹7L each).
Totally achievable for senior IT, finance & business couples in Bangalore.
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