{"id":170,"date":"2026-01-07T06:47:58","date_gmt":"2026-01-07T06:47:58","guid":{"rendered":"https:\/\/www.mera.money\/?p=170"},"modified":"2026-01-12T17:22:45","modified_gmt":"2026-01-12T11:52:45","slug":"buying-your-first-home-in-india-2026-beyond-emi-the-hidden-costs-calculator","status":"publish","type":"post","link":"https:\/\/www.mera.money\/index.php\/investing-wealth-creation\/buying-your-first-home-in-india-2026-beyond-emi-the-hidden-costs-calculator\/","title":{"rendered":"Buying Your First Home in India 2026: Beyond EMI &#8211; The Hidden Costs Calculator"},"content":{"rendered":"<div style=\"margin-top: 0px; margin-bottom: 0px;\" class=\"sharethis-inline-share-buttons\" ><\/div>\n<p><strong>Bank&#8217;s Calculation:<\/strong>&nbsp;&#8220;\u20b950 lakh loan, 20 years, \u20b947,500 <a href=\"https:\/\/www.mera.money\/index.php\/tools-calculators\/\">EMI<\/a>. Affordable!&#8221;<br><strong>Reality Check:<\/strong>&nbsp;\u20b947,500 EMI + \u20b98,500 maintenance + \u20b93,000 property tax + \u20b92,000 repairs + \u20b95,000 higher commute = \u20b966,000\/month.<\/p>\n\n\n\n<p><strong>The hidden truth:<\/strong>&nbsp;Your \u20b950 lakh home actually costs \u20b91.2 crore over 20 years.<\/p>\n\n\n<figure class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1408\" height=\"736\" src=\"https:\/\/www.mera.money\/wp-content\/uploads\/2026\/01\/Gemini_Generated_Image_d9wa50d9wa50d9wa.png\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"home buying guide, real estate investment, property purchase, home loan process, emi calculator, stamp duty registration, rera guidelines, hidden costs property, rent vs buy calculator, first home purchase, property selection tips, home loan interest rates, down payment planning, property legal verification, real estate market 2026\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.mera.money\/wp-content\/uploads\/2026\/01\/Gemini_Generated_Image_d9wa50d9wa50d9wa.png 1408w, https:\/\/www.mera.money\/wp-content\/uploads\/2026\/01\/Gemini_Generated_Image_d9wa50d9wa50d9wa-300x157.png 300w, https:\/\/www.mera.money\/wp-content\/uploads\/2026\/01\/Gemini_Generated_Image_d9wa50d9wa50d9wa-1024x535.png 1024w, https:\/\/www.mera.money\/wp-content\/uploads\/2026\/01\/Gemini_Generated_Image_d9wa50d9wa50d9wa-768x401.png 768w\" sizes=\"auto, (max-width: 1408px) 100vw, 1408px\" \/><\/figure>\n\n\n<p>If you&#8217;re planning to buy a home in 2026, this post isn&#8217;t about whether to buy. It&#8217;s about&nbsp;<strong>how to buy without drowning in hidden costs<\/strong>. Because in India, buying a home isn&#8217;t an <a href=\"https:\/\/www.mera.money\/index.php\/about-us\/\">investment<\/a> decision &#8211; it&#8217;s an emotional, social, and financial marathon.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Part 1: The 2026 Indian Real Estate Reality Check<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Myth vs Reality:<\/strong><\/h3>\n\n\n\n<p><strong>Myth:<\/strong>&nbsp;&#8220;Property always appreciates&#8221;<br><strong>2026 Reality:<\/strong>&nbsp;37% of Indian homes bought in 2015-2020 are worth less than purchase price (adjusting for inflation + costs)<\/p>\n\n\n\n<p><strong>Myth:<\/strong>&nbsp;&#8220;Rent is wasted money&#8221;<br><strong>Reality:<\/strong>&nbsp;\u20b930,000 rent vs \u20b966,000 EMI+other costs = \u20b936,000\/month difference. Invested at 10% = \u20b92.7 crore in 20 years.<\/p>\n\n\n\n<p><strong>Myth:<\/strong>&nbsp;&#8220;Bank approval = I can afford&#8221;<br><strong>Reality:<\/strong>&nbsp;Banks approve up to 60% of income. Smart limit: 30-40%.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Part 2: The Complete Cost Calculator (What They Don&#8217;t Show)<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Visible Costs:<\/strong><\/h3>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Property Cost:<\/strong>\u00a0\u20b9______<\/li>\n\n\n\n<li><strong>Loan Amount:<\/strong>\u00a0\u20b9______<\/li>\n\n\n\n<li><strong>EMI:<\/strong>\u00a0\u20b9______<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Hidden Costs (First 5 Years):<\/strong><\/h3>\n\n\n\n<pre class=\"wp-block-preformatted\">1. Registration &amp; Stamp Duty: 5-8% = \u20b9______\n2. GST (if under construction): 1-5% = \u20b9______\n3. Brokerage: 1-2% = \u20b9______\n4. Interior &amp; Furnishing: \u20b95-15 lakh = \u20b9______\n5. Maintenance (avg \u20b93-5\/sqft\/month): \u20b9______\/month\n6. Property Tax: \u20b9______\/year\n7. Higher Commute Cost: \u20b9______\/month\n8. Lost Investment Opportunity: \u20b9______\n   (Down payment invested elsewhere)\n9. Society Charges: \u20b9______\n10. Misc (legal, technical, etc.): \u20b9______\n\nTOTAL HIDDEN COSTS (Years 1-5): \u20b9______<\/pre>\n\n\n\n<p><strong>Example for \u20b91 crore flat in metro:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Visible: \u20b91 crore<\/li>\n\n\n\n<li>Hidden (5 years): \u20b925-40 lakh<\/li>\n\n\n\n<li><strong>True cost:<\/strong>\u00a0\u20b91.25-1.4 crore<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Part 3: Rent vs Buy Calculator for Indian Cities<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>The 2026 Formula:<\/strong><\/h3>\n\n\n\n<p><strong>Buy if:<\/strong>&nbsp;(Annual Rent \u00f7 Property Price) &lt; 3% AND you&#8217;ll stay 10+ years<br><strong>Rent if:<\/strong>&nbsp;Ratio &gt; 4% OR uncertain about location\/job<\/p>\n\n\n\n<p><strong>City Examples (2026 estimates):<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Mumbai:<\/strong>\u00a0Rent \u20b950,000 \u00f7 Price \u20b92 crore = 3% \u2192 Borderline<\/li>\n\n\n\n<li><strong>Bangalore:<\/strong>\u00a0\u20b935,000 \u00f7 \u20b91.2 crore = 3.5% \u2192 Lean rent<\/li>\n\n\n\n<li><strong>Pune:<\/strong>\u00a0\u20b925,000 \u00f7 \u20b980 lakh = 3.75% \u2192 Rent<\/li>\n\n\n\n<li><strong>Indore:<\/strong>\u00a0\u20b915,000 \u00f7 \u20b940 lakh = 4.5% \u2192 Definitely rent<\/li>\n<\/ul>\n\n\n\n<p><strong>Psychological Factor:<\/strong>&nbsp;Add 1-2% to rent ratio for &#8220;pride of ownership&#8221; value if important to you.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Part 4: The Smart Buyer&#8217;s Timeline (18-Month Plan)<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Month 1-6: Financial Preparation<\/strong><\/h3>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Credit Score:<\/strong>\u00a0Get to 750+<\/li>\n\n\n\n<li><strong>Down Payment:<\/strong>\u00a0Save 25-30% (not 20% minimum)<\/li>\n\n\n\n<li><strong><a href=\"https:\/\/www.mera.money\/index.php\/personal-finance-budgeting\/building-your-financial-shock-absorber-how-to-save-6-months-of-expenses-in-india\/\">Emergency Fund<\/a>:<\/strong>\u00a012 months expenses (job risk during EMI)<\/li>\n\n\n\n<li><strong>Document Readiness:<\/strong>\u00a0ITR, salary slips, bank statements<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Month 7-12: Research Phase<\/strong><\/h3>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Location Finalization:<\/strong>\u00a03-4 areas<\/li>\n\n\n\n<li><strong>Budget Setting:<\/strong>\u00a0Max 40% of take-home as EMI+other costs<\/li>\n\n\n\n<li><strong>Builder Shortlist:<\/strong>\u00a0Check RERA, past projects, delays<\/li>\n\n\n\n<li><strong>Loan Pre-approval:<\/strong>\u00a0From 2-3 banks<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Month 13-18: Execution<\/strong><\/h3>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Property Selection:<\/strong>\u00a0Based on research<\/li>\n\n\n\n<li><strong>Negotiation:<\/strong>\u00a05-15% discount possible<\/li>\n\n\n\n<li><strong>Legal Check:<\/strong>\u00a0Lawyer verification<\/li>\n\n\n\n<li><strong>Registration:<\/strong>\u00a0Avoid festive season (higher rates)<\/li>\n<\/ol>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Part 5: Loan Strategy &#8211; Beyond Lowest Interest Rate<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>What Matters More Than 0.1% Interest Difference:<\/strong><\/h3>\n\n\n\n<p><strong>1. Prepayment Terms:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Free partial prepayment? How much per year?<\/li>\n\n\n\n<li>Charges on foreclosure?<\/li>\n\n\n\n<li><strong>Choose:<\/strong>\u00a0Max prepayment flexibility<\/li>\n<\/ul>\n\n\n\n<p><strong>2. Insurance Trap:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Banks push: &#8220;Reduce loan insurance for \u20b910,000\/year&#8221;<\/li>\n\n\n\n<li>Better: Buy separate term insurance, save \u20b94,000\/year<\/li>\n\n\n\n<li><strong>Rule:<\/strong>\u00a0Never mix loan and insurance<\/li>\n<\/ul>\n\n\n\n<p><strong>3. Balance Transfer Timing:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Wait for 2+% rate difference<\/li>\n\n\n\n<li>Calculate transfer charges (1-2%)<\/li>\n\n\n\n<li><strong>Ideal:<\/strong>\u00a0After 3-5 years of original loan<\/li>\n<\/ul>\n\n\n\n<p><strong>4. Top-up Loan Option:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Can you get extra for renovation later?<\/li>\n\n\n\n<li>Same interest rate as home loan?<\/li>\n\n\n\n<li><strong>Use:<\/strong>\u00a0For emergency, not luxury<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Part 6: Property Selection Framework<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>The 70-20-10 Rule:<\/strong><\/h3>\n\n\n\n<p><strong>70% Weight:<\/strong>&nbsp;Location (appreciation potential, rental demand)<br><strong>20% Weight:<\/strong>&nbsp;Builder reputation (delivery time, quality)<br><strong>10% Weight:<\/strong>&nbsp;Amenities (gym, pool, clubhouse)<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Red Flags in 2026:<\/strong><\/h3>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Delayed RERA updates<\/strong>\u00a0(check\u00a0<a href=\"https:\/\/maharera.maharashtra.gov.in\/\" target=\"_blank\" rel=\"noreferrer noopener\">maharera.maharashtra.gov.in<\/a>\u00a0or state site)<\/li>\n\n\n\n<li><strong>Too many discounts\/flats available<\/strong>\u00a0(why isn&#8217;t it selling?)<\/li>\n\n\n\n<li><strong>All-positive reviews<\/strong>\u00a0(no project has only happy customers)<\/li>\n\n\n\n<li><strong>Unrealistic appreciation promises<\/strong>\u00a0(&#8220;Double in 5 years!&#8221;)<\/li>\n\n\n\n<li><strong>Pressure tactics<\/strong>\u00a0(&#8220;Offer valid today only&#8221;)<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Green Flags:<\/strong><\/h3>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Transparent pricing<\/strong>\u00a0(no hidden costs)<\/li>\n\n\n\n<li><strong>Good occupancy<\/strong>\u00a0in previous projects<\/li>\n\n\n\n<li><strong>Actual site visit allowed<\/strong>\u00a0(not just model flat)<\/li>\n\n\n\n<li><strong>Clear timelines<\/strong>\u00a0in written agreement<\/li>\n\n\n\n<li><strong>Resale activity<\/strong>\u00a0in existing projects<\/li>\n<\/ol>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Part 7: The Exit Strategy (Planning for the Unplanned)<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>What if you need to sell in 5 years?<\/strong><\/h3>\n\n\n\n<p><strong>Cost Recovery Calculation:<\/strong><\/p>\n\n\n\n<pre class=\"wp-block-preformatted\">Purchase Price: \u20b91 crore\nSelling Price (5 years): \u20b91.2 crore (4% annual appreciation)\n\nCosts incurred:\n- Buying costs (stamp, reg): \u20b97 lakh\n- Selling costs (broker, capital gains): \u20b94 lakh\n- Interest paid (5 years): \u20b925 lakh\n- Maintenance, taxes: \u20b96 lakh\n\nTotal costs: \u20b942 lakh\n\nNet position: \u20b91.2 crore - \u20b91 crore - \u20b942 lakh = -\u20b922 lakh LOSS<\/pre>\n\n\n\n<p><strong>Lesson:<\/strong>&nbsp;Real estate needs 7-10 years minimum for break-even after costs.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Rental Yield Check:<\/strong><\/h3>\n\n\n\n<p>If you might relocate, check rental yield:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u20b91 crore property renting \u20b930,000\/month<\/li>\n\n\n\n<li>Yield = (30,000\u00d712) \u00f7 1,00,00,000 = 3.6%<\/li>\n\n\n\n<li><strong>Compare with:<\/strong>\u00a0Loan interest (8-9%) = Negative cash flow<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Part 8: Alternatives to Traditional Home Buying<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Option 1: REITs (Real Estate Investment Trusts)<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Investment:<\/strong>\u00a0\u20b910,000+ via stock broker<\/li>\n\n\n\n<li><strong>Returns:<\/strong>\u00a07-9% rental yield + appreciation<\/li>\n\n\n\n<li><strong>Liquidity:<\/strong>\u00a0Sell anytime like stocks<\/li>\n\n\n\n<li><strong>Best For:<\/strong>\u00a0Exposure to commercial real estate<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Option 2: Co-living Investment<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Concept:<\/strong>\u00a0Invest in student\/young professional housing<\/li>\n\n\n\n<li><strong>Yield:<\/strong>\u00a08-12% in education hubs<\/li>\n\n\n\n<li><strong>Platforms:<\/strong>\u00a0Strata, Propshare<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Option 3: Fractional Ownership<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>How:<\/strong>\u00a0Own part of commercial property<\/li>\n\n\n\n<li><strong>Minimum:<\/strong>\u00a0\u20b925 lakh typically<\/li>\n\n\n\n<li><strong>Exit:<\/strong>\u00a03-5 years lock-in<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Option 4: Plot Purchase<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Pros:<\/strong>\u00a0Lower maintenance, only property tax<\/li>\n\n\n\n<li><strong>Cons:<\/strong>\u00a0No rental income, security concerns<\/li>\n\n\n\n<li><strong>Best:<\/strong>\u00a0In developing areas with clear development plan<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Part 9: Your Home Buying Checklist<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Before Purchase:<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Credit score > 750<\/li>\n\n\n\n<li>25% down payment saved<\/li>\n\n\n\n<li>12-month emergency fund<\/li>\n\n\n\n<li>Job stability (2+ years same company)<\/li>\n\n\n\n<li>Location research (6 months)<\/li>\n\n\n\n<li>Builder RERA check<\/li>\n\n\n\n<li>Legal verification done<\/li>\n\n\n\n<li>Loan pre-approval from 2 banks<\/li>\n\n\n\n<li>Hidden cost calculation done<\/li>\n\n\n\n<li>Rent vs buy analysis favorable<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>After Purchase:<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Property insurance purchased<\/li>\n\n\n\n<li>All documents digitized and backed up<\/li>\n\n\n\n<li>Maintenance budget created<\/li>\n\n\n\n<li>Tax benefits claimed (Section 24, 80C)<\/li>\n\n\n\n<li>Annual property review scheduled<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><strong>Join our &#8220;First Home Buyers 2026&#8221; community<\/strong>&nbsp;&#8211; Share experiences, ask questions, find roommates for joint purchase!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bank&#8217;s Calculation:&nbsp;&#8220;\u20b950 lakh loan, 20 years, \u20b947,500 EMI. Affordable!&#8221;Reality Check:&nbsp;\u20b947,500 EMI + \u20b98,500 maintenance + \u20b93,000 property tax + \u20b92,000 repairs + \u20b95,000 higher commute = \u20b966,000\/month. The hidden truth:&nbsp;Your \u20b950 lakh home actually costs \u20b91.2 crore over 20 years. If you&#8217;re planning to buy a home in 2026, this post isn&#8217;t about whether to [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":171,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"slim_seo":{"title":"Guide to Buying Your First Home in India: Understanding Hidden Costs","description":"Bank's Calculation: &nbsp;\"\u20b950 lakh loan, 20 years, \u20b947,500 EMI. Affordable!\" Reality Check: &nbsp;\u20b947,500 EMI + \u20b98,500 maintenance + \u20b93,000 property tax + \u20b92,0"},"footnotes":""},"categories":[6,16,7],"tags":[229,221,225,224,217,228,219,230,218,227,220,231,226,223,222],"class_list":["post-170","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investing-wealth-creation","category-personal-finance-budgeting","category-young-india-early-career","tag-down-payment-planning","tag-emi-calculator","tag-first-home-purchase","tag-hidden-costs-property","tag-home-buying-guide","tag-home-loan-interest-rates","tag-home-loan-process","tag-property-legal-verification","tag-property-purchase","tag-property-selection-tips","tag-real-estate-investment","tag-real-estate-market-2026","tag-rent-vs-buy-calculator","tag-rera-guidelines","tag-stamp-duty-registration"],"_links":{"self":[{"href":"https:\/\/www.mera.money\/index.php\/wp-json\/wp\/v2\/posts\/170","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.mera.money\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.mera.money\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.mera.money\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mera.money\/index.php\/wp-json\/wp\/v2\/comments?post=170"}],"version-history":[{"count":1,"href":"https:\/\/www.mera.money\/index.php\/wp-json\/wp\/v2\/posts\/170\/revisions"}],"predecessor-version":[{"id":172,"href":"https:\/\/www.mera.money\/index.php\/wp-json\/wp\/v2\/posts\/170\/revisions\/172"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mera.money\/index.php\/wp-json\/wp\/v2\/media\/171"}],"wp:attachment":[{"href":"https:\/\/www.mera.money\/index.php\/wp-json\/wp\/v2\/media?parent=170"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mera.money\/index.php\/wp-json\/wp\/v2\/categories?post=170"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mera.money\/index.php\/wp-json\/wp\/v2\/tags?post=170"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}