Chartered Accountant Ruchita Vaghani's analysis on X compares buying a Rs 1 crore home with cash versus a loan. Paying cash offers peace of mind and immediate ownership, while a loan provides liquidity, tax benefits, and potential investment gains. She says for an Rs 1 cr 20-year home loan taken at 8.5% interest, the EMI will be Rs 86,000, and their total outgo will be Rs 2.07 cr.