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        From Founder's Desk
        4 May 2026
      
    
  

  
  
    Consumer Strategy · Expert Insight
    

# Don’t be Penny Wise, Pound Foolish: RSUs, Layoffs, and Home Loan Planning

  

  
    ![Mangesh Zope](../../assets/founder.jpeg)
    
      

Mangesh Zope

      

Founder, Peaceful Loans · IIM Calcutta Alumnus

    
  

  ![Penny Wise Pound Foolish](../../assets/blogs/penny-wise-pound-foolish-rsu-home-loan.png)

  
  
    

One consumer conversation over the last few days: *"I have RSUs worth almost 2 cr, I was hoping that the stock price moves to a certain number before I start using the proceeds to fund payments towards my under construction home. I want to take only on 1 cr loan on 2.9 cr home."*

    

In the journey of optimising costs like upfront processing fees, MOTD, property insurance, credit insurance, interest rate, OD, no OD, interest will be only on disbursed or on sanctioned amount.

    

At times, this optimisation is assuming following things.

    

        
- **Your RSUs will continue to only go up in price.** All excels are built on it going from X to 1.25X. Never at x to 0.3x. Prepare for this as well.
        
- **Salary is assumed as sure shot in future.** This is where many folks are struggling with layoffs mentally and financial planning wise. AI oriented layoffs are a looming sword. It is not an empty threat it is a reality. Like most men, assuming that the problem will solve itself if not addressed won’t work. This needs active planning.
    

    

## Peaceful-Loans Advice:

    

        
- **Take max sanction limit bank can give.** Even if you don’t need it. Can’t stress over this enough! Do not think of compromising this. Price of this is only at max MOTD on extra amount. Absolutely worth the risk. Costs much lesser than one years health insurance. So don’t be stingy here. Sanction limits can’t be changed for an under construction property without changing the bank and incurring all costs again.
        
- **Use only as much as you absolutely need to.**
        
- **One in hand is better than two in bushes.** Sell some RSUs and make down payment or at least keep it in Home Loan OD account to avoid emotional breakdown in tough moments.
    

    

Fortunately the consumer we have understands and values our advice and will the take path of least tension along with cost optimisation.

    

But we have seen people who have gone down the road of only 50% loan and then struggle as they lost their job. Now no one will take over their loan or increase loan amount. RSUs had to be sold in the midst of Iran conflict, all this did saving some small amount on MOTD and processing fees.

    

> 
        Don’t be penny wise pound foolish.
    

    

Link to original article: [LinkedIn Post](https://www.linkedin.com/posts/mangeshzope_one-consumer-conversation-over-the-last-few-share-7456915367701979138-Gm-S?utm_source=share&utm_medium=member_ios&rcm=ACoAAANymyIBkTsSp_JgAU9V8NlfP5ctyZqJgSs)

  

  
  
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