See which builds more long-term wealth for your situation — buying, or renting and investing the difference.
If You Buy
If You Rent (and Invest the Difference)
The renter is assumed to invest whatever they didn't spend upfront (down payment + stamp duty + registration), plus any month where rent is cheaper than the EMI + maintenance, at the return rate above.
This model is a simplified, indicative comparison — it doesn't account for tax deductions on home loan interest/principal (Sections 24b, 80C), rent paid tax benefits (HRA), or transaction costs on selling. Actual outcomes depend heavily on real market returns and property appreciation, neither of which is guaranteed. Speak with our team or a financial advisor for a decision this size.
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Net Worth if You Buy
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Net Worth if You Rent
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Total Rent Paid
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Upfront Cost to Buy
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Want Us to Run the Numbers?
Our team can model this against real projects on our books, with actual pricing and appreciation trends.