I'm planning to buy flat but unable to take decision. What should I do?
I'm 33M, Govt employee with 45k in hand salary. At present I have no loan or responsibility as I'm single rn. I have seen two flats 2bhk and 3bhk after bargaining at my best builder agreed on 26lacs for 2bhk and 34 lacs for 3bhk plus 3.5 lacs documentation for each. Both are different builders. I have 6 lacs in bank, 7.5 lacs in MFs and 3 lacs in stock. Now if I consider for future 3bhk looks better option but it will drain me in monetary terms and will left me with house poor. On the hand 2 bhk will be smooth going but again thinking of future this house will be out of space. But sometimes I think with different scenario that my promotion is going to be in next year and about 8th pay commission that I should go for 3bhk by taking risk now but again I come to backfoot what if that might not happened.
Please give your honest opinion what should be done here or anyone have faced this type of confusion in past what you have done to overcome.