The age-old question — should you rent or buy a home? Get a clear, data-driven answer based on your specific numbers.
Rent vs Buy
The rent vs buy decision depends on multiple factors — property price, rent, loan interest rate, how long you'll stay, and property appreciation. Our calculator factors in all costs including EMI, property appreciation, and the opportunity cost of your down payment to give you a clear answer.
You plan to stay 7+ years, rent is high relative to property price, and you value stability and ownership. Property also builds long-term wealth.
You may relocate soon, rent is low relative to property price, or you can invest the down payment for higher returns than property appreciation.
If annual rent is less than 3% of property price, renting is usually better. Above 4-5%, buying typically makes more financial sense.
Buying offers emotional security and freedom to modify your home. Renting offers flexibility and freedom from maintenance costs and property taxes.
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