A viral thread on Reddit has ignited a sharp debate over the real value of buying ₹1-crore-plus apartments in India, with users arguing that soaring prices, shrinking tax benefits, and disproportionate bank and government charges have eroded the original purpose of flats as an affordable housing option.

The user recalls how the flat system first emerged as a cheaper alternative to independent houses. “Land is expensive… In the beginning, when a row house used to cost ₹50 lakh, a flat was available at ₹20 lakh. The ratio was always 2.5x,” the user writes, adding that this fundamental affordability gap has collapsed as builders began packaging apartments with amenities to justify higher prices. Advertisement

According to the post, facilities like swimming pools, play areas and gated secu

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