09 Nov 2025 | 5 Mins Read
Key considerations for homebuyers in their 40s
Flipitmoney
Homebuyers in their 40s face higher EMIs due to fixed costs. Lenders reduce tenures after 40, increasing EMIs. Couples can use joint loans or larger down payments to manage costs. Prioritize retirement savings and maintain a 30-35% EMI-to-take-home-pay ratio. A bigger down payment can reduce EMIs and a home upkeep fund covers future expenses. Insurance and risk planning also play a crucial role.