Is buying a pricey apartment now a bad choice?

[Shivendra]

I'm from Pune and I'm almost done finalising a 4BHK flat that costs over 3 crore. I've already paid more than half as down‑payment and will take a loan for the rest. It's in a prime locality, but I'm worried the market might crash, especially after the PM keeps warning about rising poverty and a job market slowdown. Is this going to be a dead‑end investment?

[Advik]

If you're buying real estate just as an investment, I'd say skip it – there are better options out there.

[Sangeeta]

It really depends on your purpose. If you plan to live there with your family as your main home, it can make sense – just make sure you have a stable job or other income to cover the EMI and upkeep.

If you're looking at it purely as an investment, you need to be ready for a long‑term hold and a lot of uncertainty. Your money will be locked in the flat, and there's no guarantee you'll sell it later at the same price or higher.

[Hardik]

You're buying at a peak. Prices are likely to stall or even dip. Only go ahead if you have serious FOMO.

[Jayant]

For investment, steer clear of real estate. With all the layoffs these days, selling can be a nightmare.

If you don't really need it, bhai, don't buy – otherwise you'll end up in trouble.

[Adarsh]

We need risk‑takers like you for the country, buddy.

[Pratik]

If it's for your own living and you're comfortable with it, go ahead. A downturn is actually a good time to pick up any asset.

[Jasmin]

What do you do for a living?

[Shobha]

My advice: wait, the bubble could burst this year. Listen to the speech from 16‑May‑2026. Also check what the Singapore PM said to his people here: https://youtube.com/shorts/TTbZeWaNhuQ?si=_qcijVxqQQLdCYBC

[Subhash]

Which area or location are you talking about?

[Harini]

What exactly do you mean by 'prime location'?