![Okay, let’s do some Mumbai real estate maths.
A 3 BHK at Lodha World One starts at around ₹12.73 crore according to Lodha’s current listing.
Now imagine trying to build that kind of wealth purely through a salary.
If you managed to save:
₹50,000 a month → ₹6 lakh a year
₹1 lakh a month → ₹12 lakh a year
₹2 lakh a month → ₹24 lakh a year
Saving the entire ₹12.73 crore would take roughly:
₹50K/month → 212 years 😭
₹1L/month → 106 years
₹2L/month → 53 years
Of course, nobody realistically saves the entire property value in cash before buying.
For a home loan above ₹75 lakh, the RBI framework caps the loan to value at 75%, meaning a buyer may need around 25% of the property value upfront.
For ₹12.73 crore, that is roughly ₹3.18 crore upfront.
Even saving ₹2 lakh every month, without considering investment returns, would take around 13 years just to reach that amount.
And that is before stamp duty, registration, interiors, maintenance and other costs.
So for a regular salaried person, buying a home at this price purely through monthly income and savings can be extremely difficult.
At this level, it generally takes a very high income, substantial existing wealth, successful business income, investments or family wealth to make a purchase like this realistic.
Basically, this isn’t just a luxury home.
It’s a different level of wealth. 👀
Would you ever spend ₹12+ crore on a home in Mumbai?
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