A Bengaluru couple has drawn attention on social media after sharing the reasons behind their decision to purchase their first home despite already paying nearly ₹50,000 in monthly rent.

Rajani Naik, who documented the journey on Instagram, said the decision was influenced by a combination of lifestyle preferences, financial planning and long-term family goals.

Sunlight and ventilation were non-negotiable

According to Naik, one of the couple’s top priorities was finding a home with ample natural light and ventilation.

Having previously lived in high-rise apartments, they realised the importance of sunlight and airflow in improving day-to-day quality of life.

These factors became key considerations during their property search.

Rent versus EMI calculation

The couple said paying close to ₹50,000 every month in rent prompted them to rethink their housing plans.

While a home loan EMI appeared daunting initially, they felt the money would at least contribute towards building an asset rather than being spent entirely on rent.

The comparison between rising rental costs and home loan repayments ultimately played a significant role in their decision-making process.

Looking beyond immediate needs

Naik revealed that the couple initially considered buying a resale apartment because of budget constraints.

However, after evaluating available options, they concluded that a new apartment offered better long-term appreciation potential.

They also upgraded from a planned 2 BHK to a compact 3 BHK, taking into account future family requirements, visiting relatives and the possibility of having children.

Social media users join the discussion

The video sparked numerous reactions online, with many users agreeing that rental costs in Bengaluru are increasingly approaching home loan EMI levels.

Others highlighted the importance of factors such as location, connectivity and proximity to metro stations when purchasing a home.

The discussion reflects broader concerns about housing affordability, rising rents and the financial decisions facing young families in Bengaluru’s competitive property market