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Earning ₹2.9 Lakh gives you access to 'High Net Worth' banking teams. Instead of a standard term, look for 'Maxgain' or 'Overdraft' style home loans. These products allow you to park your surplus savings in the loan account to save interest, while keeping the money liquid. Given your high eligibility of 174.0 Lakhs, consider splitting the loan across two properties for better tax efficiency if you plan to rent one out.
