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Separate the relationship decision from the compliance work. First check the signed agreement and get Delhi-specific guidance on the required process and notice; local treatment can depend on the tenancy details. Then compare two written scenarios: a moderate increase with continued occupancy...

I wouldn’t give portability much weight unless a move is genuinely likely and the conditions are clear. Early repayment matters more if your comparison assumes refinancing. Make a small table for staying 5, 10, and 30 years: monthly payment, fees paid upfront, cumulative interest, repayment...

Photos can help remember layout and surroundings, but date them and respect access and privacy. They are most useful when tied to a specific observation rather than stored without context.

I’m not convinced a larger contingency fixes the main problem if the ₩69,360,000 scope is still broad. Do you know the building’s age, previous renovation history, and whether supply and waste pipes can be reached without removing finished floors or walls? Moisture readings around bathrooms...

That clarification changes the exercise. Make one bucket for each search pocket, then divide known maintenance from unclear maintenance within it. You may find that 44 days is an average created by combining quick, well-understood homes with slower uncertain ones.

I’m less convinced that thin reserves alone justify a large discount. A building can hold more cash yet still have weak maintenance planning, while a low reserve may coincide with a deliberate pay-as-needed approach. The condition of the exterior and the quality of the proposed work are more...

On its own, 107 days sounds more like a prompt to investigate than evidence of a market change. I would compare recent completed sales with the active listings, then separate properties that are genuinely comparable by condition and neighbourhood. Asking prices can sit unchanged while the...