It’s not a bank law, it’s a smart money rule built from real financial planning principles. The 5 makes sure your home isn’t eating up your entire income potential, 20 saves you from paying crazy interest, 30% down keeps you safe if prices drop, and 40% EMI ensures you have money left for living and investing. People can ignore it and still buy a house — but those who stick to it usually sleep better at night and build wealth faster. Follow for more . . . . . . . #canada #usa #immigration #2025 #finance #study #studygram #students #student #brampton #toronto #surrey #punjab #punjabi #india #jobs #viralreels #viral #instagram #college #studentlife #work #workpermit #amritsar #instadaily #home