Rent Vs Buy Debate | Full Clarity Given 

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What a coincidence! Today I was arguing with my mom that I don't wanna build my own home as I don't want to bear those huge emi's but sir your wise thoughts just inverted my mind. Thank you so much for opening my eyes 👀❤️❤️❤️

In the era of taane maarne wale fathers.... U are the True father figure who is creating impact in the life of youth... Thank you

In 2015 I was paying 12K per month rent for a 2BHK in Hyderabad. It was a new society, so I bought an apartment and started living in it. Obviously, thereafter I never paid attention to the ongoing rents. Last week shockingly I learnt that people were paying 26K per month in the same society for the same size of apartment.

I bought Villa and in 6 months 50L appreciated. I built a building with 6 flats @1.5L rent per month, but I knew return will be less compare to what I invested but it’s fine & went for it as financial security for family where they don’t have worry if I am not around and rental adjust with inflation.

sir ye bilkul sai baat boli, jaldi ghar leke, jaldi loan khatam kiya, ab apne terms pe kam ho paisa ho to hi company me rukta hu, nahi to change, boss ya company cannot do anything, open market he.

In 70s my grandfather purchased a shop as I remember For INR 2000 and now giving rentals for around 23000 p.m. , clearly indicates the astonishing returns of original investment but if we consider yield, the equation is same, but bechna hee kyon hai, go to hell with the yield and market value.

I agree. I am around 40. Live in Navi Mumbai. We had finished our home loan just before covid and started spending that amount saved per month after that unnecessarily. So, we decided to invest half of that amount in SIP and remaining for a smaller flat nearby. Its underconstruction Mivan construction by a reputed builder. We bought that for our 12 yr old son, so that when he starts his family he can be independent and yet we will be there close by of he or his wife needs help.

Real Estate, Pure Gold and Silver are best way to invest. But the problem with real estate is that when it goes in dispute it becomes zero. Anyway it is personal decision of people. Better they should learn from their experiences. But bragging about yourself is the worst thing one person can have and it is also your habit. The best way is to have balanced portfolio, Real estate, Pure gold, silver etc. That is the best wisdom.

Pranam Guruji..I was desperately waiting for clarity on this topic from your side !

Sirji. You are always the number one clarity giver. 🙏🙏🙏 Awesome video again, about sharing the insights. It has helped me a lot in many ways. Yes, definitely we need the prediction video for the next 1.5 - 2 years for real estate domain. Keep rocking !! 🕺 🕺 🕺. 🎉🎉

Sir no flat has a lifespan of 150 years. And I have a counter argument, you are not considering the interest lost on the initial deposit amount over the years. Considering most people pay 15-20 percent of the property, and considering CAGR, that amount will offset quite a bit of the ongoing rent itself. Taking huge loans at 6 percent or more is a bad decision. Another big assumption you made is that prices in next 30 years will go up same how they grew in past 30 years. That’s a dubious argument as wages are not going to go up as much l. Long story short, buying makes sense when home loan interest rates are lower than expected annual appreciation in the property. Otherwise, keep renting …. And rent cheap !

Eye opening discussion, like a Guardian 🙏🙏 very good.

Great video Guruji. Need a video on the people who is in 35-40 age and planning to buy a home. As we can't go back in 20's and buy a home in Pune City for own living 😊. Please give your expert advice on how we can plan this? Which all things need to take care as responsibilities are more now, kids, education and everything has to go parallel.

You should watch vivek Singhal rent vs Buy. It will be a very interesting thing to hear your take

Real estate investment is the mother of all investment, people earn from any industry and invest in real estate.

Bilkul sahi bat kahi sir apne aj un logo ko jawab mil gya jo mujhe mere decision ke liye criticise krre the .

Yes, need video on how to buy 4 properties in 20 years

If you have liquid cash or black money buy... Taking loan and buying its a liability

Sir you are giving right and practical advice in free. I got my first at 25. age GZB LIG. Second at 40 Delhi 2 bhk builder. Third MIG Mohali society at 45 it’s possible in JOB. saving 25 tho. Rental Living in own house and 20 as rental income and income tax saving 5 tho per month on H loan. Never invested in Stock . 🙏🙏

Very well said and rightly countered. One more point on top is that one feels their own house and create memories there. Who would want to create memories in a rental house

Sir you are a blessing for youth, thank you for your advice always on point.. God bless you 🙏🙏👍

Muu thod jawab video to all SIP Karo and Ghar vs SIP excel youtubers... Hats off to ur wisdom sir..😊.

I love the video. And I have the same mind set as you sir. I have bought a property in dwarka last year getting rent out of that and at the same time I am living on rent but in cheaper flat till my marriage. Got that aura in my family and inlaws al the respect support financial stability coming on its. The bad thing about your video is you leading customers to the hidden product

I totally agree. I bought a flat in 2014 for 19 L and then a duplex 4 bhk villa in 2022 for 53 lakhs. I currently stay in that Villa. I pay around 33k EMI for my villa. But if I ever have to rent this villa out, I will easily get around 37-38k rent for both floors (2bhk each) due to the two universities which are within a 4-5 km radius. I am saying this after seeing the same villas which are given for rent in our society. So, almost 8-9% rental yield. Currently, the price in this area is around 65-70 L for the same villa (Almost 20-25% appreciation in 2 years). But that flat that I bought still has the same value. So, not all properties will appreciate. Need to be careful while buying. ANd yes, when you buy a house on EMI, you get serious about your job and will try harder to increase your income. If everything goes well, I will be able to pre-pay most of my loan (almost 80%) in the next 4 years as few of my early investments will mature at that time (PPF).

Never ever buy flat for living! I would share my story some other time. Rent rent rent is way better don’t listen to this gentleman

Buying Residential property is a savings instrument. It's not an investment instrument. I own a flat in South Delhi, it's price is stagnant due to property depreciation. Please choose the locality carefully. Buying Residential property is not always good decision. Sango uncle is a relationship expert, not a fin guru..lol

What crap man. Why say 2% Expense ratio? There are MFs / ETFs with ERs lesser than 0.2%. Also, when you buy properties, the yearly maintenance & property tax etc is same as expense ratio of MF. Useless example. You are also cherry picking numbers and without telling infos like ER = property tax/maintenance fees etc.

Amazing Guruji !! Real estate kyu lena chahiye is baat par aapne aankhen khol di !! ❤

Sir, the way demographics of india is changing, i think to buy a home now will serve home for the population who is in majority after 30 years. There are examples like pakistan, bangladesh, kashmir, kairana and many parts of india... Is this point not worth the discussion?

Pune property purchased in 2011 at 18 Lacs.. today the rent is 5k. 10 years ago rent was 4k. 😢 Currently buyer is at 27lacs.. very poor investment in metro city like Pune. Area is not bad as one would expect. Problem is area is growing and nee properties are more in supply than demand

The main thing is investing discipline- stocks need it to a high degree but real estate is more passive so works for most people. Agree that it’s not either or

बहुत सही बताया है, बड़े भाई साहब ।मजा आ गया है। 🙏🙏🌹🌹

गुरुजी आपने बिल्कुल सही बोला है लोग परेशान हैं इस बात से लोगो के पास घर नही है

Simple math. i was paying 40K in rent and now paying 50k EMI. So paying 50K EMI much better then paying 40K in rent.

If you are smart, you will make more returns in markets than real estate. This advice is good for ordinary fearful persons, and Cash is good- liquidity. Prices will not increase like it did in past.

Should be buy ready to move in property or property which is under construction?

real estate is tough to sell and sale too tough.

Jo Banda paise hote hue puri zindagi rent pr rehta hai uska koi vajood nahi hai

Please make the video robert kyoksaki model indian blend

excellent clarity on rental yield

Reality given with the clarity for youth

Sir, I am living in Mohali. In our region, people have more craze for independent plots than flats, even than Mivan Construction flats. And rate surge is more for independent plots than flats. Is this pattern going to change soon?

Small cities m 4% tk bhi milta h rental yield abhi just 6 month before property kharidi resale ki jb Li thi tbhi rent pr thi 3.5% ka tbhi milra tha or ab mene Khali krwa kr dubara utha diya 4%yield pr or maintenance society ka alag

The argument on rent increasing proportional to value of property over the years is thought provoking. However, if you consider the fact that your rental income increases at 5% roughyl each year its not really a big deal. Haan if you have lots of spare capital then why not, else those with one house using entire capital stuck in it that too on loan, it is not a good deal at all

Sir which property you are talking about, which gives 7% rental yield?

Property even near meerut gzb border rrts and delhi meeut expressway became 5 times in 3 years

Very practical approach. The concept of leverage is good

I bought property in Badlapur near Mumbai in 2014. We haven't seen even 1% price appreciation since. Your logic may be right only in the places where prices have appreciated but not everywhere.

Perfect n bahot archa bataya hai, v gud

Sir , i think you are not aware about swing trading..usme paisa dala aur nikala jata h..usse paisa badhta h...man k chalo kuch musibat aa gai..paise chaiye..10 mese 4 share bech sakte he..kya aap sirf ghar k balcony bech sakte ho? Liquidity k sath paisa kamaya jata h. Share market me..

Sango sir you are the best👍 Please aapse ek guidance chahiye.. apna 2bhk rent par dekar rent par 3bhk lena better hai or 2bhk sale karke 3bhk purchase karna..West Delhi mein.. 🙏🙏🙏

We need it sir❤🎉

I notice a thing and it's very important to say our mother and father is last generation now a days cheat is common thing specially men suffering best don't marry

Hello sir, 1 video ispe bnao ki hmko registry flat ki kb tk kra leni chaiye turant krani chaiye ya 8-10 saal ruk skte h jisme hm long time rhenge

Rehne wale hum dehradun k aur property le top seven cities mei. Kaise manage karenge?

Best video guru ji 🎉

1 ghar lene ke baad haam soch rhe the multiple property le ki nahi aab sochenge

Hii Guruji... I'm 34 yrs old... a NRI... Presently I rent 2 home... one in India and one here in gulf... I'm paying 9000 rs rent in India and 16000 rs average rent in gulf... I need a home but have fear of loan. Because I was planning to buy a house in India worth 65L with 12L down payment. when I calculated I found at the end of 20 yrs, with 8.75% of interest rate it will reach up to 1CR+ repayment... what is your advise to me. Shall I go for Gold bar purchase every year and sell it later to buy home or better to go to home loan and own a home?

When people at office know u have a home loan, Oh manager will squeeze every last drop of blood from u

Subscribed in two minutes seeing😂 the name of so called RU-vidrs creating chaos in youth mind.. 2:36

Aap ki baat sunkar maine Shapoorji virar me ghar liya hai, us jagah ka feel he alag hai. Aur apko apke hisse ka punya jarur milega.

Very nice express your good life experience only for a like.Thahyou SANGWAN SAHAB 🎉

Bahut sahi baat hai sir, now i am reconsiding my sip

One word Jewel...for eternity...even when you will die this video will give you sum...!!!

Excellent video

Please make a video about how to make 4-5 properties

Chahiye Guruji😅. Want more such videos

Real estate and Gold. Once acquired, they dont cost you much in their journey to make you wealthy.

EIT ka jawab PURI DIWAAL MU PE MAR K DIYA aap ne GIRU ji. Proud to b ur folower FAAD K RKH DIYA AAP NE

👌👌 Really Great Sir .🙏🙏🌹🌹

Gr8 ..khud ki jagah ..very imp

Sirji... waiting for video how to buy 4-5 properties

Illogical bat krte ho sir aap..stock market kama ke bhi utna deta h ..jisse 2% nikal bhi jayw to bhi wo real estate appreciation se jyada he..real estate me bhi maintainnance hota hi he na

Very true Sir.

Jabardast analysis hai Sirji aapka

The best investment on Earth is Earth. Land is land. Purchased with comman sense, paid for in full and managed with reasonable care, it's the safest investment in the world. Thank you, guruji 🙏

Please sir video banaaye ki property kaise banayae at the age of 27

Uncle ka experience bolta h ❤❤ thanks sir for clearing mu doubt 😊

Sir please Dehradun ke bare bataiye land h uspe ghar banane ke liye papa bol rahe h, kya usme rent purpose ke liye bhii banana chahiye

Just love it, perfect he is best

Buying house early, makes sense from an emotional perspective, not from an investment perspective.

Truly you are legendary Guruji 🎉

Thanks a lot for very informative video Sir I am from Rajasthan Kota Let me know whether Flat or a house one should buy for Rent Please give suggestions

sir you say 5 properties in 20y so iam a 25y old earning 1l a month, tell me how can i purchase 5 properties by the time i'am 45 how much leverage i have to take?

I completely agree with you sir 🙏🙏🙏🙏

Absolutely fantastic

yes we need that young age house owner video

I and my husband had credit card bill for every month was 60k😂we bought home and pay EMI for 1 lakh so that we should not have money to buy unnecessary thing😂this generation needs money discipline 😢

Sir plz give gyaan on faridabad real estate

What's your view in investing in a flat at Diya Green City'.

I do invest in MF since 2012 and getting 20% return.....but i do like your videos..❤

Sahi Kaha stock market mein jyada Barbad ho rahe hain

This is such a wholesome video !!!!!!!

Personally, I am not totally agree with both of you. You both are right in some points not at all the points. Buying property is good option but cash should be in hand, especially an employee person job is not fixed, so hard cash (money) is neeeded firstly then decide to buy flat, land or whatever.

sach baat hai.. kitni darr darr k naukri karni pad rahi hai. na saving hai. na mutual fund me paisa badha aur naukri ko bhi 15 saal ho gaye. Gharwalon ne hamesha yahi kaha ki itni ghar kyu lene. rehna to ek hi ghar me hai naa.. itni jaldi kya hai

pls clarify if investment on REIT is good or bad ?

21:04 Please make this video on Indian Real Estate Cycle

सो बात के एक बात "माया से अच्छी छाया"

Very nice video 👏 clarity given for us