Well. It depends on your future earning power. But, assuming any increases in your future earning goes into your
retirement and your
kids' University education fund, and also to support your
ever increasing family expenses till one or more kids start working.
Your size of earning income at the time of taking up your housing loan is a good snapshot what can be expected. The above table gives you an idea for how long you will need to "kowtow" to your bosses and slog in your office and the chance of getting out of
Rat Race is not an early option.