most of your logic is incorrect honestly. it is entirely a financial and convenience decision.if you get a good deal and can afford you must buy a flat.flat offers a host of facilities which a house does not ,if one is hassled about time,changing jobs etc. if you plan to relocate often,do not buy too much household gadgets like elaborate sofa sets,kitchen appliances.also do not spend too much money on customization like special flooring,special toilet fittings etc.
better still buy a flat in a different city and rent it out.live yourself in a rented flat.get tax benefits of both the house loan and hra.
