u/ToneCertain4322

I've been in IT for a while. Everything on paper looks fine — the kind of situation where taking on a home loan always made sense.

But lately I just can't shake the feeling that the ground is shifting under everyone in this field. Not in a paranoid way — just... realistically. I've watched teams get halved, people with 10+ years of solid experience suddenly find themselves job hunting in a market that's getting harder to navigate.

And yet here I am, looking at a 20–25 year home loan with EMIs that don't care whether AI restructured your team last quarter.

The thing that gets me: banks don't care about any of this. They look at where you are today, tick their boxes, and sanction the loan. The risk of your situation changing completely in 2–3 years because of AI? Not their problem. It becomes yours — with a massive debt attached.

I've been in IT for a while. Everything on paper looks fine — the kind of situation where taking on a home loan always made sense.

But lately I just can't shake the feeling that the ground is shifting under everyone in this field. Not in a paranoid way — just... realistically. I've watched teams get halved, people with 10+ years of solid experience suddenly find themselves job hunting in a market that's getting harder to navigate.

And yet here I am, looking at a 20–25 year home loan with EMIs that don't care whether AI restructured your team last quarter.

The thing that gets me: banks don't care about any of this. They look at where you are today, tick their boxes, and sanction the loan. The risk of your situation changing completely in 2–3 years because of AI? Not their problem. It becomes yours — with a massive debt attached.

I'm not saying don't take the loan. I'm just genuinely curious how people in IT are weighing this right now:

— Did you go ahead and take the loan? What gave you the confidence?

— Are you holding off? For how long?

— Did you build a much bigger emergency fund before committing?

— Has anyone actually had things go sideways after taking a home loan because of AI-related changes at work? How did you manage the EMIs?

Feel like this is something a lot of us are quietly stressing about but not really talking about. Would love to hear honest experiences, not just "IT is fine, stop worrying" reassurances.

Hello Team,

Can you please advise how to book biometric for france visa from manchester now as I am not getting any slots, advise if any one booked.