Rent vs Buy House

10-year cost comparison

Property Price

₹80,00,000

Down Payment

₹

Home Loan Rate (%)

Loan Tenure (years)

Property Appreciation (%)

Current Monthly Rent (for similar home)

₹25,000

Annual Rent Hike (%)

Alt. Investment Return (%)

Recommendation after 10 years

RENT IS BETTER

₹1.2 Cr

Buy · Net Worth

₹1.3 Cr

Rent + Invest · Net Worth

How to decide: rent vs buy

This isn't just "EMI vs rent". The real comparison is net worth after the period:

Buy path: pay down payment + EMIs + maintenance. Your asset is the appreciated property minus the remaining loan.
Rent path: pay rent (rising yearly) + invest the savings (down payment + monthly EMI-rent gap) at your alternative return.
If property appreciation beats your alt investment rate, buying usually wins. If not, renting + investing often wins.

Rule of thumb: if annual rent < 3% of property price (rental yield), renting is typically cheaper. Above ~4%, buying looks better.