Rent Vs Buy Debate | Full Clarity Given

CAPITAL APPRECIATION ❤

Anant ladha hai 😂😂, ca rachana ranada hai 😂😂

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

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 !

Personal loan milta hain

Old soch wala

Uncle aap satiya gaye ho agra baju me hai

Very nice video n information shared is also very valuable, thanks

Godrej golf links … is the prime example of Godrej not doing good

Sir, fractional investment pe bhi ek video bana dijiye. Kya fractional investment karna sahi hai

Yeah real estate wala hai 😂

very good

Luxora realtors Pvt Ltd Mumbai me due diligence

I like your videos and there is always something to learn from these.

I am giving a real life example: Summary ( I made a loss of 40 Lacs with a 3BHK flat if I compare that with a hybrid equity mutual fund)

In 2012 I brought a 3BHK flat in Pune for ~70 lacs (Pristine Prolife Phase 1) - this is including stamp duty, legal changes and everything.

The possession was delivered on time in April 2014. From April 2014 till Feb 2023 the flat has been on rent (except 1 or 2 months where tenants changed).

Rent started from 15K in 2014 and went till 25K in 2020 , dipped when COVID hit and recovered to 25K in 2023. (2014 = 15K, 2015 = 17K, 2016 = 19K , 2017 = 21K , 2018 = 23K , 2019 = 25K , 2020 = 17K , 2021 = 21K , 2022 = 23K , 2023 = 25K) These are approximate numbers.

Society maintenance is 4K per month so , total rent that I got in these years is around 18Lacs (Lets round it to 20Lacs).

Now I am selling the flat for 1cr 35 lacs ( including broker charges) After TDS I expect around 1.30 CR

Total profit = 6000000 + 2000000 = 80 LACS

Instead If I would have invested 50 Lacs in 2014 in SBI hybrid equity fund (I would have had that money if I would not get this flat) - the total value of that today would be 1.72 CR rounded - Which is a profit of 1.22 CR

My total losses due to the flat are around 40 lacs (when compared to a mutual fund)

Note:

- Investment in mutual fund is 20 lacs less than flat.
- I am not counting the tax I paid on the rent
- I am not counting flat maintenance such as painting , repairs when tenants change
- I am not counting the interest paid (I was in the US so paying interest went very well)
- Had lot of trouble when society was very strict against tenants and some tenants were nuisance makers
- Otherwise also , when tenants are OK, there is some or the other thing that I needed
- Overall , the flat experience was OK as I had a very good broker. But I probably would be better off with a hybrid equity fund. A flexi cap would have given me more profit.
- My plan was not to invest but to live. Unfortunately I returned back to HYD and after seeing the new luxorius flats in HYD - I cannot live in Pune flat - so planning to sell it off.

Pls advise if I already have one home on emi ,can I take another home on loan and give it for rent as in Bangalore rents r quite high.
Very confused ,pls make video on this

Buying a flat does not even beat inflation. Appreciation is less than 7-8% but in MF you can expect at least 10%. I am not saying one should not buy a house but only when they have 70%+ house value so minimum loan and no corporate slavery. You said one will work honestly if he is having a home loan is illogical. Sometime covid like situation can occur and PPL may lose their jobs. Will the bank wait for EMi till the person gets a job.

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..

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

Wife k kiye sukoon he ghar but jisko emi pay karna usko nind nhi aati..wo freedom kho baithata he..life insurance to chaiye no issue with that and relatively life insurance ka premium bhi kam hota h..not huge like your home loan emi

Very important information for me sir...❤

good

Great Video sir 🙏🏻

excellent clarity on rental yield

A flat will depreciate over time, I can never get a buyer for a 20 year old flat for current market price. However we can't generalize but overall depreciation in real estate is definitely a con. However if is a plot or a isolated property with the land then I agree with old man In a brand new bottle. 😂😂😂

Ur thoughts is great

Sir mutual fund wale hrr saal isliye commision lete hain kyuki vo hrr trime shares change krte rehte hain. Aisa nhi hota ki bss share liye aur so gye. Boht mehnat lgti hai stock market main paisa banane main.

Sir ek vedio sonipat pr banaiye please

Wah... haryana Wale h😂...Nice quote.

Ye aadmi…. Topic srart krne se phle 2 ghante apni tareef krta h aur apne aapko best batata h 😂..best clarity ka to pata nhi lekin sabse arrogant jaroor h ye.

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

Nice video Sir...

Financial porn cracked me up 😂.
Very good video. 🎉

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.

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).

May be for you but not for others, real estate is the most fucked up asset class with zero transparency, hoards of unprofessional bookers, toothless Rera, Not to forget people who are payign EMIs for flats that are not even constructed even after 10 years

One person will say real estate is investment another will say its loss. Maturity says decide yourself by seeing your pocket.

Uncle can understand why you are promoting real estat but life me aur bhi priorities hai multiple properties lene ke alawa.

Great Sir, Dho Dhala apne💪

Excellent analysis Love from Sahiwal Montgomery Punjab

Sab sahi hai sir, lekin 6-7 saal mein paise double hone ke din gaye. Increased transparency, improved infrastructure, inflation ke kaaran, at least metros mein aaj 6 cr ka ghar 6 saal mein 12 ka nahi hoga. Pichhle 5 saal mein wo 8 se 6 ka ho gaya hai.

Real guru

Only fifty lakh per acor

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

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

Sohana hr. Amravati. Telangana, kya best hai

I want to know how get 5 properties in 20 years😊

SIR AAJ TO SABKI BATTI ME AAG LAGA DIYA GURU JEE