The Indian housing market is witnessing a significant shift, with homebuyers showing remarkable confidence in long-term home loans, even for high-value properties ranging from ₹1 crore to ₹100 crore. According to the Prestige Estates CEO, this trend reflects not just financial resilience but also a growing belief in real estate as a stable and high-return asset class. The demand is particularly strong for luxury and ultra-luxury homes, driven by affluent professionals, entrepreneurs, and NRIs who see real estate as both a lifestyle upgrade and a wealth-building opportunity.
One of the key reasons behind this rising confidence is the availability of attractive loan interest rates and flexible EMI structures offered by leading financial institutions. This has encouraged buyers to opt for long-term loans, making premium properties more accessible without immediate financial strain. Buyers are now more comfortable committing to 20–30-year loan tenures for high-ticket apartments and villas in metro cities like Mumbai, Bengaluru, and Delhi NCR.
Prestige Estates has reported a surge in inquiries and bookings for premium housing projects, showcasing strong end-user demand rather than speculative buying. The CEO emphasized that buyers today are financially savvy, focusing on long-term appreciation, lifestyle amenities, and brand credibility of the developer.
This growing preference for funded purchases rather than outright cash payments indicates a maturing real estate market driven by structured finance and consumer confidence. As economic stability strengthens and incomes rise, the trend of using long-term home loans to purchase luxury real estate is expected to accelerate, shaping the future of India’s premium housing segment.
