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Follow 3 20 30 40 Rule:
3: The value of the house should not be more than 3 times your annual earnings.
20: The Home Loan tenure should be less than 20 years.
30: Sum of all EMIs that you pay must be less than 30% of monthly income.
40: 40% of the total property cost is the amount of down payment you should make while buying the property.
