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"Sir, meri age 22 hai, main government service (CAPF/ SSB) me hu. Meri in-hand salary 44,000 hai aur mujhe 32 lakh ka home loan lena hai. Kya mujhe abhi loan lena chahiye ya pehle down payment aur investment badhani chahiye? EMI ke liye ideal ratio kya hona chahiye?"
