📅 Last updated: October 2026
Dono options ka 5–20 saal ka poora hisab.
Is scenario me
Kiraya + invest behtar lag raha hai
₹13,95,160 ke fark se
Estimate: maintenance 1%%/saal included; registration/tax included nahi. Assumptions badalte hi result badal sakta hai.
⚠️ Ye sirf estimate hai, financial advice nahi hai. Disclaimer padhein.
Kharidne par wealth = ghar ki future value − bacha hua loan − maintenance
Kiraye par wealth = down payment ka growth + (EMI − kiraya) ki monthly bachat ka investment
Dono ki tulna = kaunsa option aapko zyada ameer banata hai.
Example: ₹75 lakh ghar, 20% down payment, 8.5% loan, ₹25,000 kiraya, 10 saal → kharidne par net wealth ≈ ₹84,81,728, kiraye par rehkar invest karne par ≈ ₹98,76,888. Is scenario me kiraya + invest ~₹13,95,160 behtar! Assumptions badalte hi jawab badal sakta hai — khud try karein.
5% rule: agar saal ka kiraya ghar ki keemat ke 5% se KAM hai to kiraya aksar behtar padta hai; zyada hai to kharidna. ₹75 lakh ke ghar par 5% = ₹3.75 lakh/saal — ₹25,000/month kiraya (₹3 lakh/saal) isse kam hai, isliye calculator bhi kiraya ke paksh me hai.
Home loan EMI (reducing balance), kiraya me saalana growth, property appreciation, aur bachi hui raqam par investment return. Maintenance 1%/saal included hai — registration, stamp duty aur property tax nahi.
Bilkul nahi. Agar property appreciation zyada ho (jaise 8–10%), ya kiraya bahut zyada ho, to kharidna jeet jaata hai. Upar values badalkar apna scenario zaroor check karein.
Fair comparison ke liye dono options me utna hi paisa lagna chahiye. Kiraye wale scenario me down payment ki raqam invest hoti hai — warna tulna ek-tarfa ho jayegi.
Nahi — ye educational estimate hai. Asli faisle me job stability, sheher, aur personal preference bhi matter karte hain.