Rent or Buy a House? - Analyse with Calculator 

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If u look at the video, we can say this guy spent a lot of time to prepare the sheet, briefing, video editing, analysis etc. I'd like to thank you for the effort put in together to prepare this video.

house is not an asset or liability for most people, it is an emotion. Hence they buy it even when they cannot afford it

As far as I'm concerned, there are lot of risks associated with buying an apartment: 1. What if you have to relocate and you're not able to sell off your apartment? 2. What if you lose your job and you're not able to pay EMIs? 3. What if real estate does not grow as fast as you think? ie, there is only a marginal difference between loan interest rate and real estate growth rate. The only reasons I can see to buy an apartment are: 1. If you don't have any ancestral home that you can fall back to if nothing goes right 2. Sentimental reasons - there is prestige and dignity associated with owning your own home 3. Marital reasons - Bride's parents may look if the groom owns the flat he's living in

me and my family had stayed in rented houses since I was born and married from there also. I know how much they need their own home. Azadi Hoti hai Apne Ghar me.

Very simple approach, Your first home is your need. Second home purchase and renting it means max 2.5% appreciation. Second home purchase and keeping without renting is 'Financial illiteracy' !

The biggest asset in one's life is to remain debt FREE.

Correct analysis but having your own house is also important!

You forgot to mention one thing, to recover monthly EMI in case of an Independent house with a floor you can rent it out and repay the EMI accordingly. Thus reduces the risk

By owning own house is peace of mind ....security ,and retired person when inflow of income is decreased ,beside after every agreement is over it's pain for hunting and depends on landlords whims .

We both are working couple and at that time our salary was 32,000. We purchased a flat in 2011 at EMI of 16500 which was equal to one of our salary. Now after 10yrs our salary is 80,000 and the rent is 10,000 flat price is hiked from 22lacs to 75lacs. I think it was our good decision at good time. By this decision I think we have reduced a major tension of unstablelity in our after retirement and next generations life.

This man can guide any person even under educated person like HSC or SSC pass can get good knowledge and can make good decisions about their investment. I appreciate his efforts for unlocking finance knowledge. He is great teache best guide and also want to thank you for making vedio in hindi. As we are not good in English language. Wish you prosperous Diwali Dusshera and also wishing you helthy and wealthy life. You are best guide.

Buying house includes cost of construction: for example: Say 50 lacs flat is 1000 sqft. Cost of construction is 1200 per/sqft. Total cost of construction = 1000 *1200 = 12 lacs Perc cost of con = 1200/50 = 24% If we opt to sell flat after 20 yrs, in the above example. Flat would need rebuilding due to wear n tear(Depreciation of building). Hence (FV)Cost of con = 24% of 1,24,41,600 = approx 30 lacs Should be treated as additional loss in case of selling property in future.

20 साल बाद पूरा लोन निल होने के बाद खरीदा हुवा घर ज्यादा बेनिफिट देता है. 20 साल बाद लोन की किश्ते बंद हो जाएगी। लेकिन रेंट वाले केस में जीवनभर भाड़ा भरना ही पड़ेगा. ओल्ड एज में ये रेंट वाला घर परेशानी का कारण बनता है।

आपका बात को समझाने का तरीका बहुत सरल, सहज और अच्छा है. वास्तव में, अर्थ से जुड़े विषयों पर वीडियो बनाकर आपने इससे जुड़े मामलों पर मेरी सोच को काफी स्पष्ट किया है. धन्यवाद. साथ ही, इसके लिए शुभकामनाएं.

Hi Sir, My Financial Knowledge was almost zero before I started watching your videos.Your Content is easy to understand and Impliment in daily Life.

Genuine efforts never get subdued! This is the first channel where I have seen more focus on knowledge building of the viewer rather than high handed and cacophonous efforts to sound classy and earn subscriptions ...The first channel that I have subscribed in last 8 years!

One point is missing. There is moving charges. We don't stay forever at the same house as the landlord will usually vacate the premises within 3 years. That would easily cost about 50k.

Thanks for your input. I like your way to teaching things by making people decide based on their circumstances rather than giving any rigid advice

But the best option is buy a house and also do mutual fund together and make a plan till 7 or 8 years to complete the home loan.. I am doing that and expected to complete my 20 years loan in 8 years..👍👍

1) What about rent received on the property whereas the owner stays at another own house - Buying scenario 2) What about to be paid income tax , at least housing loan saves some tax from salary - Rent scenario 3) Rent that can be acquired on the construction of couple of floors in an individual plot scenario - Buying scenario 4) Insurance benefits of the house if property owner or buyer hits with any uncertainty, his family can have house - Buying case 5) Loans like OD or SBI maxgain or any other OD loan will help buyer to get some liquid funds if necessary along with having property - Buying scenario

Nice informative video, but you have forgot to highlight an Important point shown below : 1. In your 1st example you have shown net savings of 1.04 crore on Rent and 1.38 crore on Own house, present scenario of long term capital gain on mutual funds or shares is 10 % while tax on ltcg on immovable property is 20 % with slight benefit of Indexation 2. 1.04 crore is fully liquid, you can utilize for your social commitments, where as in case of sale of own property you need the sale proceed to either buy a new property which might be of same value with no liquidity in hands or go to a rented house to utilize the sale proceeds for your social commitments. 3. Own house needs lot of maintainance over the period and would look worn-out whereas you have the liberty to change to newly built house if you wish to. Correct me if I am wrong. Regards Amit

Buy is always best if u think for ur children point of view.

Buying is better.. Because of NO RISK.. IT'S LIKE GOLD.., whenever you need sell out and you can get cash. Apna ghar Apna hota h.. Sweet home ♥️

If you have salary above 60k in hand then , The best way is playing safe on both sides. Buy affordable property that lets you keep EMI below 30k and invest monthly 10k in mutual fund. Then at the end of 15-20 years you'll be having good savings and also a sweet home that is all yours . Let me know your views on this

Need one more calculation, the net profit in case of buying is 35 lacs after 20 yrs, what is the value of that money in current time. With 8% appreciation that amount should be 7.50 lacs. My personal feel is one should not buy homes just for the sake of traditional thinking that one should own a home. Renting home specially in the start and middle phase of your career will allow you to go wherever you want to work with best facilities/compensation. But if you really already have a heavy lumpsum amount may be from your dad's retirement , from investment perspective you can buy home/property etc.

Buying a home in early age is very beneficial for salary class . Age above 40 can go for rental

Fifty lacs ka flat, if bought ten years ago in Delhi, is not getting sold at even 50 lacs at present because everyone wants a new construction. But those bought fifteen years ago is now giving 2.5 times return. So, going by your logic, wo baaki ki 2.5 times return abhi next ten years mein dega.

Sir, It is very difficult in India to find a suitable rented house of your choice and price without restrictions by the owner. In small cities the landlord feels that he the boss of the tenant. So if you have capacity to by a house it is always better to buy or construct it unless you frequently change the city.

Truly speak always buy a house .... I have purchased a flat in 2007 in Mumbai for 15 lakhs now it's worth 1.5 crore , worth the pay and in next 2 years it will become 3 crore.. Edit: it's just 200 sq ft..

If you buy a house of 50 lakh (50000 month on loan) or take is as a rent of 20k per month so till 20 years you have to pay 50000 a month (1.2 crore+ Maintenance+Tax) let's talk about rent you have to pay 20k (After 20 years total rent paid is about 48 lakhs ) Choose your option

Overall Best knowledgeable Video and This channel is best in finance. But, given calculator is on the assumption that tenure for loan and rent are same. Problem is that after completion of loan, Property buyer pay nothing and invest everything and renting always paying his Rent.

25 saal apne khud ke ghar mein rehne ke baad, mujhe ghar ke paas, thode din rent par lene ki zaroorat padi. Mujhe ghar repair karna tha. Rent par available flats/houses ki haalat dekh kar, rent ki keemat dekh kar aur usse upar, makan maalikon ka ghamand dekh kar laga ki hotel mein reh kar, 15 din, ghar ek room hi repair karke, waapis aa jaun. Apna ghar, apna hi hota hai. Akele to mein rent par 6 saal bhi raha hoon. Par pehli baar hi family ke saath, rehne ki naubat aayi thi.

I know those who pays rent and with those money that has been saved they r running a sucessful business where the returns are much much high,so if u you have a prper bussiness plan there's no need of comparing ,rental is beneficial.

I always had this confusion between rent n buy. This video makes it much clearer. At least I have an insight now. Thank you so much 🙏

Excellent presentation.. We need to consider while purchasing a property 1) Stamp duty and registration charges 2) Cost of the interior decoration

I am 27 year old from Uttrakhand. i live in Delhi. earn 35000/- and live in sharing with my friends which cost me 5000/- maximum including foods, rest amount i invest for future saving. I can't planning to buy a home at present because i am not sure this is last point of my carrier wing. True fact is i want to spend my old age life in the hills of my Uttrakhand.

Great analysis , one thing i can't quite agree with, is the FV of property at the end of 20 yrs is 2.33cr , appreciating at 8% . Here me out 1. Any house you consider, in 10 years the design of it becomes old school compared to the current to the latest designs 2. You don't know the quality of the building where you're buying the flat, i don't think the buildings will last as a livable place for more than 40-45 years, even after considering all the investments you'll make in doing some major repairs. I've seen apartments in a metro city, where the owner was trying to sell a house for 65-70 lakhs , which he bought 14 years back for 60 lakhs, still nobody buying it. And this is in a prime area. That's like 10% in 14 years. Plz give your opinion with this. What's your experience been. Any example. Previous buildings life time anyhing!!! Thanks

I have seen property appreciation in South Delhi almost increasing 12 times the original cost in 20 years.

Biggest issue in this theory is consideration period of 20yrs. As one will have to give rent till he dies, to own house EMI payment will be for 20yrs only. So consider rental time for atleast 40yrs vs emi time of 20yrs

Buying house is better any time. Because your property is your assets. For long term buying house is better.

Really nice video. Clears a lot of doubts. I have been living on rent for past 10 years and here are my additional experiences: Pros: 1. You can live in a better area which you wouldn't be able to afford otherwise. For example: You can live near a big market where the costs are higher, but you would have to spend little bit of money in commute to the market if you were living away from the market, etc. 2. Office commute. My office is 5 mins of walk from my rented house. This is a great benefit. I don't have to spend any money on commute. And guess what? I get additional time to pursue my hobbies or get more time with family. 3. Health issues due to travel. I used to live far away from my office earlier, but after moving closer, I feel much more relaxed and my overall medical bills have reduced! Some cons that I have experienced: 1. Societies don't give equal benefit to tenants. Tenants get treated like they are some low lifers. Which I can't understand! 2. People in the society do not mingle well with the tenants. Again, I don't understand why. 3. Moving from one house to another is a pain. One question: Can societies differentiate between buyers and tenants? Like not giving access to clubhouse etc. Is this even legal?

Thank you sir for the amazing video, just the exact calculation i was looking for, i used your excel sheet too But i have 3 questions 1. Rent ke case mein, D' + S' - R' kaise ??? S' means saving, humne rent pay karke jo bache wo S' cell mein put kiye hai, then wapas R' subtract kyu kar rahe hai ? 2. Net saving in Rent scenario is completely liquid and we still paying our rent regularly. But in case of Net saving in Buying scenario, it won't be Net SAVING instead it would be Net COST, toh we can not utilize entire cost, rather i am saying if we sell our home, we need to buy any small home worth 50-70% cost of previous home, then net saving would come down to 30-50% only ( considering we have only one home, jaha either we are paying rent or emi) 3. After 25-30years, a home/flat would require entire renovation which would cost minimum 50% of its market price else its price would start decreasing year after year, what about that point for long term calculation ? Correct me where i am calculating wrong Thanking you in advance 👍

Insan chahe kitnae Ghar bana le is dharti par Lekin insan ka asali Ghar upar hi hai 😊😊😍😍☺️☺️ ऐसा यहु संसार है, जैसा सैंबल फूल। दिन दस के व्यौहार में, झूठै रंगि न भूल।।

Having your own home is like a dream for many people. Every thing should not be put into calculator

In short buying at better place at good price is better than getting it on rent in long term.

right sir..same thinking here....i m working on this thought and bought a new home

THERE ARE THREE BASIC NECESSITIES OF LIFE. FOOD WATER AND SHELTER. THEREFORE BUY A HOUSE RATHER THAN RENT IT . WHEN SHELTER IS OWNED , EVEN IN YOUR BEKARI DAYS,, YOU CAN SURVIVE IF YOU HAVE ROOF OVER YOU. PERIOD.

There is a flaw in your calculations. When you have already deducted 15000 from monthly savings then why are you again deducting this again from total savings.

Sir ,wanted a video like this and finally I found your channel. Thanks a million sharing the valuable information. Looking forward to watch all your upcoming videos. Really appreciate your work.

Missing things - Changing of Rented Properties includes major costs like - BROKERAGE, MOVERS AND PACKERS CHARGES, RELOCATION CHARGES OF - TELEPHONE, DTH, AC DISMANTLING/REINSTALLATIONS, WATER RO etc

It depends from case to case and hence thank you for providing the template for it... your guidance and insights are highly appreciated.

Malik ji.... monthly rent bhi badega 20 saalo me.... Buying me 36000 fix h...but rent hamesha badega.....20 saal me 15000 ka rent....Kam se Kam 30-40k ho jyega

A simple point to understand is that, when renting, the savings are over and above rent paid. In case of owning a house, it’s your house plus the savings that you do.

Sir..very good video..but u missed few things in renting..u hv not consider 1/ 2 month brokerage every 11 months plus the security deposit which u may loose based the move out condition of the house....that will pull down the renting benefit..coming to flexibility..one can always move out of his own property n rent elsewhere based on need and put own hoise on rent, which will generate revenue...buying a home is a big achievement n every should buy house which can be a wise investment for the old age...also you hv not consider the tax implication on investment, that will also pull down final benefit out of renting..also Pradhan Mantri Aawas Yojona will help first time home buyers to save a lot...like term insurance, every young professionals should invest in buying a house/flat..early start will help people to complete the house loan commitment early...

Everything can't be measured by money and savings. Having a peaceful joyful life in your own house is priceless.

Agar bilkul sahi advice chahiye toh poora padhna Samajhdaari isme hai ki agar aap 15,000 monthly rent pay kar rahe ho toh 50 lakh ka ghar mat lo sasta lelo 20 - 25 lakh tak ka jisme se 10 lakh jo aapke paas hai pay kardo 2 number paisa toh dena padhega pehle hi aur uske baad 9 percent interest ke hisab se pay karte raho aur jitni jaldi nipta doge utna hi acha rahega aur jab tak loan khatam hoga tab tak 25 lakh ka makaan 30 lakh ka ho gaya hoga jitna interest pay kiya sab wasool bas chote ghar mein adjust karna padega lekin aese future acha rahega aur 15,000 jo interest pay kar rahe thaey wo khatam ab uss 15,000 ko invest karo aur jab paisa jud jaaye tab iss makaan ko baech ke aur saving ko daal ke bada aur naya ghar lelo 20 saal ki journey bata di maine Thanks for reading.

Hi, Great analysis! Point to add: Over a 20 year period, a purchased apartment would undergo at least one major upgrade. Would be nice if you could add this to your analysis.

Good analysis.. but buying home is emotional decision for 20 years you loose the freedom of doing something on your own take some bold steps in your life

2002 me humne ek plot liya tha 3000 per yard tha ab wahi property 80000 per yard ho gai h. In 2002 : 400 yards X 3000 = 1200000 In 2020 : 400 yards X 80000 = 24000000 Capital Gain in 18 Years : 2 Cr. 28 Lacs

I think rent is better option it gives a lot of benefits for wealth creation and there is no guarantee that the home loan or the house an family has purchased there is no guarantee that it will be sold after 20 years with capital appreciation and its benefits

hr chiz profit loss nhi hota ....home means emotion ...

Long term appreciation of a residential house is just a notional profit because it is a 'dead investment' as we're living in it.. Renting is always better if you think about flexibility and practicality.

Ek point bhi note karo :- I am single age 30 & mera sallery 8000 monthly milta hai shop pe aur total saving PPF mein 3 lakh ke kareeb hai aur chhote se chhota makaan bhi 10-12 lakh ka hai , wo bhi shehar se baahar. Isliye wo to le nahin sakta , aur 2000 rs monthly rent pe 1 room ka ghar 2nd ya 3rd floor pe humare yaha mil jata hai. Ab mere pass to rent ka hi option hai, aur kai saal se rent pe reh raha hu.

I think you missed few things in calculator. 1. In buy section reduce rent from the EMI Because when you are paying emi for home. You are saving rent , so calculate total of rent at ROI of 9 % and reduce it. 2. Calculate 3 months of security deposit at ROI 9% and reduce from buy. 3. Last but not least, brokerage + movers packers + AC and other fixing charges whenever you change the home. To me it's min 25k. Calculate at 9% roi and reduce. And not only this. After completion of 20 years the current rent of that time will always be a saving per month for further 10-20 years, this no one is considering and this will always prove buying better.

sir ji, 15000 rent 20 yrs tak same thodi hoga... har sal usme 10% increment hota hai. but EMI 20 yrs tak same hoga....

One has to consider if the house is not going to be sold then mostly it will have unrealised value.

1. Maintenance is usually passed on to the tenant. 2. Interest rate ain't 9% even in todays recessive market. Interest rates are bound to go down both for loan as well as FDs. 3. Appreciation 8% < interest rate 9%, this is definitely not the way market has behaved in the past. 4. On assured debt instruments like FD, nobody gives 8% return. Also FD returns are taxable. However, if the money is invested in equity, then it could be a borderline case. Paying rent and putting money in FD is senseless.

कम से कम एक निजी मकान तो होना ही चाहिए , अगर ऐसा नहीं है तो चाहें आपके खाते में कितना ही रुपये हो लेकिन किरायेदार की कोई वैल्यू नहीं होती है ।

Totally incorrect Analysis. Ignored many important factors 1. Property tax is not evaluated. This would start with some value and keep on incrementing every year. 2. Tax and registry are not incorporated in initial amount. Bank will only give loan for property value and not for tax and registry. This is add another 10 percent to the cost. 3. 8 percent return on property is totally incorrect figure. No property in India is giving this kind of return 4. Liquidation of property is not easy. Selling a 20 year old property has very bleak chances when people always have the options to buy new and cheaper flats.

Mukul ji you are doing a great job! Your knowledge and efforts are appreciable! All the very best!

Maine apne sabhi whtsapp broadcasts mein forward krdiya hai sir.. Thanku so muchh.. Maine khud ka construction startup kiya hai cousins ke sath jo already 4 saal se builder hai.. mra business to logo le ghar lene par hi badhega..isliye main clients ko yahi suggest krta hu ki landlord ko paise dene se achha property purchase kariye aur rent ko bank ke emi mein convert krdijiye taaki asset ban jaae..

Even if there is a risk i think it is better to buy a house. Risks are involved in investments also. Good Reason to buy a house is: 1. Security: As said for long term we may not afford to take a house on rent, specially retirement can be sound and peaceful. Rent would be an additional burden. 2. Forced Savings: Absolutely right. The amount in saving is generally used up for luxury. Not many people opt for systematic investment. Apart from that even if one need to pay EMI, can't one just rent it and use that amount for investment. It is as good as Rent minus EMI + the rent amount used in investment is also growing. 3. Govt. has allowed 1+ house/flat - One can be used for living and another let out for rent. It is as good as pension for retirement. Though you can rent both and live the retirement where the rent/living expenses is low. 4. Some feel we can comfortably choose the house if we rent a house. It is not totally true. Changing the house frequently is a big headache. In places like Mumbai you won't get flat on rent for long period. You may have to change every 11 months or 2-3 years. 5. In Bangalore one need to pay the maintenance and when one change the flat one need to pay one month rent extra. Places are expensive and one may not be able to choose the location as per ones desire. One has lots of regulation from landlords - walls should not be nailed, one may not be able to decorate as per their desire. It is like living with restrictions. 6. Value appreciation, emotional ties are yet another reasons for buying a house.

Nice analysis and I agree to it. I just want to point out one thing that if my property value becomes say 2 CR after 20 years (which is great!), but who is going to pay me 2 CR for a 20 year old construction (talking about flat only!) and how many people can actually afford to buy a flat worth this money. I am considering if I need money on an urgent basis (medical bills, etc. etc.). At least with invested money (returns in the form of SIP, FD, or whatever), I can withdraw it anytime with may be less value but I will be rest assured that I have this amount in hand. I may be wrong, but that is my perception. Thank you!

अपने पैसे को 15% से 60% (annual) के return से बढ़ाते रहो और जब प्रॉपर्टी में थोड़ा resation दिखे उस वक्त full पेमेंट (No loan) से खरीद लो यही तरीका है,,

Excellent video sir. I agree with you, own house provides you stability and mental peace. It is very difficult to shift house with having baby and after marriage.

Owning a house was better earlier since most people had government jobs,job security and pension.Nowadays,with most people working in private companies do not have job security so owning is risky affair..

Very fast explaining ! Slow & Bold Letters...Thanks

Clear, crisp and to the point. Kudos !!

i live in a 400 sq.feet home. happy forever.

Ur decision is fully knowledgeable and perfect than other person..So sir I really respect ur perfect knowledge for common people like me..Thanku

Bhai, please remember there are atleast 3-5 lakh unsold properties in most of the metro cities; not to mention of all the frauds builders trick people into. Rent bharo, invest kro aur sukoon se jio.

Own flat is always good it's an asset rather than money investment on any mutual fund or fixed deposit or any thing

Slowdown mein government creates new money to fund itself to complete projects and distribute salaries. It's because tax collection bahut kam ho jaati hai. Abhi inflation bahut speed se increase hogi. Government ko, economy ko revive karne ke liye aisa karna padta hai. Government has already reduced corporate tax by a huge amount. Since tax amount is now foregone, the only other method is to generate more money through RBI. Creating money is not same as printing money. Printed money is only a fraction of the total money. In few years, property prices will go further up along with the rent. FD ka return kuchh bhi nahi hoga.

Few points: 1. A man should spend only feasible in his means. You should always get a peaceful sleep at night and not worry any big loans hanging like sword on your head. 2. You can buy a home if you have means and still enjoy flexibility. You can rent your house to someone and based on your job location you can become tenant to someone else. That way you can leverage flexibility to relocate and not waste time in traffic and still be able to own a house. 3. In current times, real estate in NCR is not appreciating much and the hype has fizzled out. You can consider that while buying any property in NCR. Hyderabad is appreciating last time I checked.

One Wrong calculation It assumes that Every year saving of EMI over Rent is same but thats not case as time progress Rent will increase EMI remains constant and after few years Rent will be more than EMI and therfore no Saving at all and thus will alter the decision

Mukul ji.Very nice and informative video.I am living in Mumbai and this rent vs buy is common debate among my friends.Thank you for such great informative video and excel sheet

Rent pr rehne pr savings zara bhi nhi hota..aur buying mein at the end woh tumhara hi lifetime ho jata hai... Buying better hai

No body is going to buy 20 year old property in such a high price. Everyone is wanting a latest trend. So, after 20 years with the savings of 1.3 cr (holding house on rent), you can get a house wherever you wanted and take retirement there. You have a choice where you want to retire. Having a house on rent is best option for working person. You are free to go whenever and wherever you wanted as per your job location.

Pata nahi aapka video mere recommended me kyo aya me to is field ka hu bhi nhai BUT jo bhi tha accha hi laga kuch naya seekhne mila

Buying a house is to opted when you are permanently settled at a place. Buying and renting for others involves lot of issues, particularly depreciation of property and maintenance cost, and other unforseen issues.You have not discussed the property tax and other taxes which are to paid on annual basis. The property maintenance requires huge cost for revamping after 20 to 25 years. In case of renting also appreciation of rent and shifting charges, and loss of interest on security deposits on house taken on rent which is appreciable in big cities and metros have to be considered in calculation of cost. Moreover prudency of investment on regular basis have to be diffential and practically impossible in all cases due various factors which decide spending pattern and emergencies of life. Therefore there is no thumb rule for taking decision of buying or renting.The issue to be addressed on case to case basis.

Sir apki video toh mere Dil ko chuli.... Mai bohot confused tha... Now I'm very clear God bless 🙏 you 💞

जब भी मकान चेंज करते हैं ट्रांसपोर्टेशन कॉस्ट लगती है। और जब भी आप मकान चेंज करते हैं लैंडलॉर्ड सिक्योरिटी अमाउंट मार देता है। यह दोनों चीजें भी ऐड कर लीजिए।

After 20 years also you have to pay rent... but when you purchased it will be yours after that loan period

Forced savings :) ekdam sahi Only way for a middle class person to own something

5-10 years rent par raho, saving and investment karo. Fir saving se makaan purchase kar lo. Apna ghar apna hota hain. Bank se loan bhi nahi lena hoga ya kam lena padega. Job ke bharose na rahe... Other source of income bhi bataye kyuki kharche bhi badte hain income ke saath.

Money is freedom right? Same with your own home It gives you a sense of security and freedom When you come home after your shitty day at office You feel very relaxed coming to your home because of your emotional connection you make with it Not Everytime its about saving and investment Sometimes it's about feel good factor

Rent increases every year in Bangalore! Buying a property is anytime better!

Very good comparison. Usually I avoid commenting on social platform. But I couldn't stopping my self from commenting.

Apka analysis bahut achchha hai ... Aisi jankari dene ke liye Dhanyavad ...