Buying a home is a major financial milestone for most Indians, but it also becomes one of the longest and most expensive commitments they ever make. And while buyers spend time comparing interest rates and EMIs, many critical details slip through the cracks — often buried in the fine print or conveniently left out by bank relationship managers. Advertisement

A growing number of financial planners are warning that Indian homebuyers may be walking into a long-term debt trap without realising it. A recent thread by CA Nitin Kaushik, shared widely on social media platform X, breaks down how a typical home loan, often seen as a safe, predictable commitment, can quietly drain lakhs in interest payments unless borrowers act strategically.

For most borrowers, the excitement of owning their firs

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