u/Jo_hai_sahi_h

Hi folks,

I am 25M, and earn about ~1.7LPM, with one dependent.

Total investments - FDs + Debt + MFs - 19L (less because the salary increased just now).

The plan is to start SIP of 1L from the upcoming month and my current expenses are as such 30k (personal) + 10k (dependent) + 3k (insurance) = 43k

What I am wondering is can I afford a flat with registry for 20L with some down payment (~4L), a old building around 10 years old In a tier 2 city I grew up in and take loan or other amount.

The rental yield will be close to ~8k.

My job is kinda unstable as well. Can I afford it?