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Festive offers fade — financial readiness stays forever.

Missed Diwali Deals? Here’s How to Smartly Prepare for Your Home Purchase.                                                                                                                                                  

Missed Diwali property offers? Don’t worry — smart financial planning matters more than seasonal discounts. Experts say buyers should first build strong saving habits and maintain a healthy credit score before diving into real estate. Set up automatic transfers to grow a dedicated down payment fund and clear high-interest debts to boost your credit score above 750 for smoother loan approvals. Remember, affordability matters more than eligibility — keep total EMIs below 40% of your monthly income to avoid financial strain. Always maintain an emergency fund covering 6–9 months of living expenses post-purchase. A large down payment helps, but don’t empty your savings. Factor in hidden costs like maintenance, insurance, and taxes. Missing festive offers could actually be a blessing in disguise — giving you time to strengthen your finances and make a confident, well-planned investment when the next window opens.