Early Decision to buy Housing is A Wise Decision 1. Take the decision to own a house early, between ages 23-28, which allows upgrading the house 2-3 times and building net worth over a lifetime. 2. Do not over-leverage by strictly saving for a margin and not relying solely on loans; the housing loan EMIs should match cash flow with enough remaining income. 3. The location that fits one's budget in an upcoming city/town should be prioritized over restricting ownership to currently unaffordable areas, as housing appreciation and career growth can help realize dreams over time.