ये honestly आपकी priorities पर depend करता है। अगर stable income है और future में property prices बढ़ने का भरोसा है तो home loan लेकर FD interest से EMI manage करने का option कुछ लोग choose करते हैं। लेकिन इसमें risk भी है क्योंकि FD interest और loan interest दोनों बदल सकते हैं। अगर peace of mind चाहिए तो सीधे घर खरीदना safer लगता है। कई लोग loan इसलिए लेते हैं ताकि liquidity बनी रहे। लेकिन personally मुझे लगता है unnecessary loan तभी लेना चाहिए जब investment returns loan interest से ज्यादा हों। वरना debt stress दे सकता है। Family responsibilities भी consider करनी चाहिए।
Ved Tiwari is a Chartered Accountant (CA) and finance writer with over 20 years of professional experience in taxation, auditing, financial planning, and business advisory. He is a Fellow Member of the Institute of Chartered Accountants of India (ICAI) — one of the most rigorous professional qualifications in Indian finance — and holds a Bachelor of Commerce (B.Com Honours) from Shri Ram College of Commerce (SRCC), Delhi University. His content covers personal finance, corporate taxation, GST, investment strategy, business compliance, financial planning, and India's evolving regulatory and economic landscape. His work has appeared on platforms including Moneycontrol, The Economic Times Wealth, and CA Club India, where he writes for finance professionals, business owners, and informed readers who need content built on two decades of real-world financial practice — not surface-level commentary. Over 20 years, Ved has advised hundreds of businesses and individual clients on taxation, audit compliance, and financial restructuring. He has handled complex multi-crore audits, represented clients before tax authorities, and guided startups and established firms through India's regulatory environment. He has published 400+ articles on finance and business, spoken at ICAI seminars and industry finance conferences, and is a practising member of the ICAI Western Region chapter. Across all his writing, every figure is verified, every regulatory reference is current, and every recommendation reflects the same professional standard he applies to his clients — because in finance, accuracy is not optional.