The rising cost of homeownership has placed a significant financial strain on middle-class families in Hyderabad, Telangana, potentially affecting their overall well-being. This study examines the impact of housing loan burden on the quality of life of middle-class households, focusing on financial stability, mental well-being, and social relationships. Employing a mixedmethods approach, the research integrates primary survey data from 300 middle-class families with in-depth interviews of 30 participants. The quantitative data were analyzed using descriptive and inferential statistical techniques, while qualitative insights were derived through thematic analysis. Findings indicate that excessive housing loan commitments contribute to financial stress, reduced discretionary income, and increased psychological distress, leading to diminished life satisfaction. The study underscores the necessity for policymakers and financial institutions to implement measures that mitigate loan-related financial strain, such as improved loan structuring and enhanced financial literacy programs. Additionally, the research highlights the importance of proactive financial planning to ensure sustainable homeownership without compromising quality of life.
Housing loans, financial burden, middle-class families, quality of life, mixedmethods research, financial well-being, mental health, social impact.