u/Apprehensive_Skin333

Need advice: Better financial decision between under-construction 2.5BHK vs near-ready 3BHK in Pune?

I’m confused between two properties and want objective financial advice from people who have bought homes recently.

My profile:

Salary: ~₹2 lakh/month

Existing liabilities:

Home loan EMI: ₹30k/month (only ~₹6L principal remaining, ends around 2028)

Car loan EMI: ₹30k/month (ends next year)

Current savings/liquid cash: ~₹22L

Already own a 2BHK flat in Wagholi

If I move to the new flat, I can rent Wagholi flat for around ₹20k/month

Option 1: Kamdhenu The Astria

2.5BHK

900 carpet

8th floor

Amenity facing

Price: ~₹87L

Possession verbally committed around 2028, RERA 2030

Construction-linked plan:

10% booking now

20% + govt charges in July

10% on plinth in Dec

then smaller 5% slab-wise demands

Plan is to take only ~₹30L home loan and self-fund remaining payments gradually from salary/savings

Option 2: Joyville Celestia

3BHK

936 carpet

2nd floor

Price: ~₹1.01Cr

Builder possession next year, RERA Dec next year

Need to pay ~95% quickly

Would likely need ~₹75–80L loan

My analysis so far:

Astria = much lower interest cost and lower risk/stress, but money gets locked for 3 years and possession delayed

Joyville = much higher EMI initially, but near-ready property, can shift earlier, rent out Wagholi flat, and possibly better long-term asset quality

Questions:

From purely financial perspective, which is smarter over next 5–10 years?

Is taking a bigger loan actually better here because of inflation + keeping my own capital liquid?

Is under-construction risk worth saving on interest?

Would you personally choose lower leverage or near-ready larger township?

Does the small carpet difference (900 vs 936) make the 3BHK premium worth it?

Would appreciate practical advice from people who have gone through similar decisions.

Anyone knows any Jain sthanak or Mandir near Hadapsar Gadital?

Hey everyone,

I need some guidance regarding my education path.

My qualifications is B.E. in Mechanical Engineering, and after that I did a PGDM (Distance MBA) from Symbiosis Centre for Distance Learning (SCDL).

Now I’m interested in moving into the data analytics field and was considering doing a PhD in this area.

My questions:

Is my PGDM (distance) from SCDL valid/accepted for pursuing a PhD?

Am I eligible for a PhD in Data Analytics or a related field with this background?

Do I need to do any additional certifications or a full-time master’s before applying?

Has anyone here made a similar transition from mechanical → management → analytics → PhD?

Would really appreciate any guidance, especially from people who have gone through a similar path or are familiar with PhD eligibility in India.

Thanks in advance!