Ek flat ke liye 11 saal ki poori salary lagti hai, kya apna ghar ab sirf sapna hai?

Zara is baat ko samjhiye. Ek aam Indian ko ek sadharan flat kharidne ke liye apni 11 saal ki poori salary chahiye, har ek rupaya, bas ek bunyadi flat ke liye. Luxury apartment nahi, villa nahi, ek sadharan flat. Aur Mumbai ya Delhi me? Bhool hi jaiye. 20 se 30 saal ki poori aay lagti hai. Matlab agar aap 25 saal me kamana shuru karte hain toh aapko 55 saal tak bina khana, kiraya, kapde ya kuch bhi kharch kiye kaam karna padega. Ye kaise mumkin hai? Ghar ki keematein salary se kahin zyada tezi se badhi hain. Bade Indian shehron me property ki keematein pichle 10 saal me 3 se 4 guna badh gayi, lekin salary me kuch nahi badla. Arthik survey khud manta hai ki 10 saal me asli wage growth mushkil se 0.4 percent raha. Toh ghar 4 guna mehenge ho gaye lekin aapki salary wahi rahi. Ye kaisa ganit hai? Builders luxury tag aur phooli hui keematon ke saath naye projects launch karte rehte hain jo koi khareed nahi sakta. Mumbai me akele 5 lakh se zyada ghar khali khade hain kyunki wo 90 percent logo ki pahunch se bahar hain. Lekin keematein kam karne ke bajaye builders investors ka intezaar karte hain. Aur sarkar? Home loan par tax chhoot deti hai. Badhiya, toh aap tax par kuch hazar bachate hain aur 20 saal tak mahine ke 80,000 rupaye EMI dete hain. Isse ghar saste nahi hote, bas loan thoda kam dardnak hota hai. Home loans zyadatar middle class parivaron ki masik aay ka 40 se 50 percent kha jaate hain. EMI, maujooda jagah ka kiraya, kirana, school fees, healthcare, commute sab dene ke baad kuch bachta hi nahi. Ek medical emergency aur poora budget dhwast ho jata hai. Aur jo baat dimaag kharab karti hai wo ye hai ki kiraya bhi tezi se badh raha hai. Toh na kharidna aasan hai na kiraye pe rehna. Aap dono taraf fase hue hain. Kuch log kehte hain bahari ilaqon ya tier 2 shehron me khareedo. Lekin un ilaqon me naukri nahi, infrastructure nahi, aspatal nahi, school nahi. Office se 50 km door ghar kharidne ka kya matlab jab roz 3 ghante ka safar karna pade? RBI ne housing bubble ke baare me kaafi baar chetawani di hai. Indian shehron me property aay ke muqable kaafi zyada keemat par hai, global average se kahin upar. Vikasit deshon me ek ghar salana aay ka 4 se 6 guna hota hai. India me ye rashtriya star par 11 guna aur mahanagron me 20 se 30 guna hai. Ye healthy real estate market nahi hai, ye sankat hai. Sarkar sabke liye housing ki baat karti hai lekin PMAY jaisi yojanayein chhut bhar hain. Subsidy ka amount mahanagron ke liye bahut chhota hai jahan asli samasya hai. Aur zameen ki keematein sattebazi aur zameen niyaman ki kami se badhti rehti hain. Kya India me apna ghar kharidna middle class ke liye ek namumkin sapna ban gaya hai?