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Frequently asked questions
Why 30% rule?
Traditional guideline from US housing policy. Leaves 70% for savings, food, debt, emergencies. Outside bounds, financial stress rises.
Is 30% realistic in Mumbai/Bengaluru?
Metros may push rent to 35–45%. Suburbs or shared housing brings it back to 30%. Or get roommates.
Rent vs home purchase EMI?
Home EMI = 30–40% of income is high but tolerable if EMI = rent equivalent. Rent = "paying for flexibility"; EMI = "paying for ownership".
Security deposit — is it legal?
In India, typical 1–3 months. Some cities (Bengaluru, Mumbai) demand 6–10 months. State tenancy laws regulate max deposits.