Compare the 15-year net financial wealth of buying a home versus renting and investing the surplus.
Result
Simulation assumes down payment and monthly EMI surplus are systematically invested in equity mutual funds.
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Net Asset Comparison = Home Equity Growth vs Rent Surplus Investment Compounding
₹75 Lakh home vs ₹25k rent, 5% appreciation, 11% MF return over 15 years.
Buying Net Worth: ~₹1.56 Crore | Renting & Investing: ~₹1.74 Crore.
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Open calculatorBecause rental yields in Indian metros are low (typically 2.5% to 3.5%), the monthly EMI and down payment savings invested into equity mutual funds can outpace physical real estate appreciation over long periods.
Buying builds forced equity and psychological security, but entails high mortgage interest and property taxes. Renting offers geographic mobility and frees up capital for higher-yielding equity compounding.