Rent Or Buy A Home?

[@sanjaygadri3643]

this formula doesn't work in most of the cities. for ex 1cr property, rent is currently around 40-50k in BLR.

[@cnsaheen]

But EMI is 80,000. If you pay 40,000 as Rent and invest the remaining 40,000 in SIP, the return from it in a span of 10-15 years is enough to buy a property + even save further

[@abhilashkolhapur9563]

​@@cnsaheen U forgot the increase in the rent which happens every year. So better to buy

[@hardikkunkalagunta2173]

Also there is rise of land value too

[@subhrajit.talukdar]

1 cr property rental 15k/month? doesn't it sound a bit cheap? In Kolkata, a 30-50lakhs flat's rent is around 15k/month.

[@achyuthpv]

He means overall average in India not big cities alone

[@pritammishra9850]

Rental in pune 2 bhk is 22-25k.. Kolkata 20k Bnlore mumbai 30k+

[@omkargaykar1378]

depends on city basically, my uncle was rent in a 1cr 3bhk bungalow for 15k but it was in a no namer city

[@MrMayankthakur]

15k rent fr 1 cr property is it India 😂 I pay 25k for a 2 bhk here in Bangalore. Apartment cost might be 45lks

[@omkargaykar1378]

@@MrMayankthakur tier 2 and tier 3 cities have less rent cost for higher valued cities and tier 1 cities have high rent for less valued properties, Pune has a 50 lakh for 18k rent but in another place called Karjat it is 15k for a 1cr bungalow

[@aryapatel9131]

Ye sab finance ke gyani sirf retirement tak ki bat karte hai ,they just follow western culture but they don't know that there audience are indians they think for there future generations. And most important is our respect in society

[@gautam01m]

In our locality, the rent is 25k for a property worth 80 lakhs.

[@MrMayankthakur]

Save till 40 yrs and buy outright. When 1cr house becomes 5cr and home loan interest rates become 10-12 percent😂 phook ke ayya hai kya

[@lakshmi1994-d4t]

You will have corpus of 20cr

[@lyricanosworld7576]

Sahi bola

[@Karna-l5e]

I totally disagree, so let me clear it guys if are looking for a house rn in any tier1 city, On average metro city have 15% increase in the real estate value, considering this buying a 1cr house now will be equal to buying 8.14 cr house after 15years (1.15^15) consider a home loan at 10% interest rate(in India), you will spend 1.93 Cr over 15 years (including interest) if you choose to rent a house, considering average rent of 30K for 15 years (it can be more) rent you pay = 54L investing in a SIP(assuming 15% yoy) monthly 1.2L you can buy the same house so you will spend 1.2L X 12 X 15 = 2.16Cr + 54l + taxes = 2.7 Cr + taxes so choose wisely guys, buy a home now and spend 1.93 Cr for 15 years or buy a home 15 years later spending 2.7 Cr for 15 years Note: You can even scale it to 20 to 25 years, still logic remains same, if you are planning to buy a home go buy it..

[@sta_1087]

Yaa it means also get Married at the age of 40. Coz nobody would like to give their daughter to you unless you have a owned/loaned home...

[@athribhat2243]

Exactly

[@chiragsharmaYoutube]

Ye tumhari problem hai usne bas facts bataye hai.

[@jagadeeshrudrapati4276]

For 40L property rent is 20k

[@achyuthpv]

It varies from city to city and location near main road may also be expensive

[@skooo7]

Bruh you don't know what's place worth??

[@prajwaldsouza4559]

In navi mumbai rent of a 1bhk is between 11-16k per month

[@MrMayankthakur]

So true

[@MegaJonty]

super which area bro?

[@joshuab3280]

Thanks for sharing; considering the case when monthly EMI-interest ~ Rent! Instead of paying rent, pay almost same amount as interest, at the end of 15-20yrs you get to own the house?! Isn't it a safe mid-ground of own-vs-rental house dilemma ?!

[@swarnabhopaul9740]

Bro is living in whole another world😂 in Kolkata a 3bhk costs 30-40 lakhs and the rent is 15k-18k.

[@suranjabarat5457]

2bhk costs 30-40L...

[@rishuvatsa3126]

1 cr flat has 15k as rent, I pay 20k for a 40L home. Don't mislead your audience in the name of financial advice. Even if we invest that money somewhere else, I still have to pay a rent of 30-40k for living in a city.

[@Ethicallaunda]

I dont know from where did he get this logic ??? As per him those 80 k per month will not profit him in long run dude you will owning a house in 15 years and that property rate would be doubled that time, with the same logic if he buys that same property at 40 that would cost him 10-20 cr & that money which he paid as rent are waste and where the hell is he talking about living with just 15k month on 1 cr property??? Where is that property????

[@harekrishna165]

Really, I rented a Small house with 2 Bedroom + kitchen + Bathroom, it's Market price won't be more than 20-25 Lakhs.... And I get 11K from that small House

[@grimo3685]

this vid was needed thanks for mythbusting

[@Jambudwip]

Wrong information regarding renting yield

[@AnuragMishra0009]

Try renting in mumbai

[@lakshmi1994-d4t]

Do you know he stays in Mumbai in a beachfront luxury flat. Rented

[@Being_myself.25]

But bro, people don't have extra income to invest. They have only money equivalent to rental charges. Hence, the buy house so the amount they are paying to live in someone else' house. They can pay same to the bank and own the house in same amount of expense.

[@lakshmi1994-d4t]

But if you are asked to vacate next month. You have to leave all your scheduled works and search home and shift. Arrange everything in home later..... Who will do?

[@Qwerty-jc3so]

Thats why you make a rent agreement where it states that you cannot be evicted without 2 months notice.

[@etextraterrestrial8677]

Now a days rental yield in metro cities somewhere near to 5-6% 😢😢

[@myrohitc100]

That's stupid. 😂 Rate of property rises too.

[@sarujanview]

Correct sir its applicable in Canada also

[@aiquantum9]

i am living in 66 lakh worth property in 14k per month ..

[@sharanyabhattacharya3561]

The rental yields taken by all fincluencers be it Sharan, Ankur, Pranjal seems really low from ground reality, at least for a guy like me in IT who has searched for flats both in Hyderabad and Bangalore at least for some cities this does not hold.

[@Mrunknown-qu4fb]

This doesn't make any sense, for the Bangalore residents, 2bhk flats rent is 40k - 60k in Bangalore

[@aayushkalra9963]

Which finance degree did you get ….? Also what about capital appreciation don’t mislead people with non sense analysis

[@veeresh195]

Not applicable for Bangalore. Average rent for 2bhk in Bangalore is 25k for a flat worth 70 lacks. In next 5 years rent will reach 40k

[@TechXaa]

Hi Sharan Bro, Property prices increase every year in good areas by 7-15%.. With that rental price also increases every year by the same percentage..So after say 5 to 10 years property value will be doubled.and the rental price also. This 2% might be still be same after 5 to 10 year but the rent is doubled.. So the logic you are telling covers only half of this entire scenario But this 2%

[@tejaswinipatankar4880]

What do you have. Once you have made the money do you cont to stay in rented place

[@roxxgaming4771]

I live in South Delhi and here rent of 3bhk and 4bhk flats are above 20k and on a good location it may exceed 30k also 😂😂😂

[@rajansingh-km4jx]

😂 show me a 2bhk flat in 15k rental in bangalore or pune .

[@shettyprajwal7386]

If everyone start following these influencers, rental yeild will definitely reach 8_10% in next 10-15 years..

[@subhartheedey1961]

Half baked info shared just to sound cool.

[@two8915]

plus maintenance charge

[@buddylove7935]

Now a days for A 1crore property it is 30k

[@aayushinag]

Buy after 40s and what if i die who will pay emi.. 😢😢😢

[@prethijeevakumar5999]

1 cr 15 k.. 😂😂😂😂😂 saran this I completely disagree. I am staying in a 31.5k rental 2 bhk. Min amenities. I feel If I put just 5 k more i can get good house.

[@himanshuupreti9457]

1cr property rental of 15k, Study hard bro.. your calculation doesn't fit here..

[@lyricanosworld7576]

BULLSH*T. I DONT THINK LIKE THAT IN INDIA LIFE IS DIFFICULT FOR JOBERS/ WORKING MEN. IF YOU HAVE A BUSSINESS THEN BUY A HOME AT LEAST CHEAP FOR SOME TIME UNTILL YOU MAKE BIG MONEY IN 5-10 YR. THEN SECOND BIG HOME BY SELLING OLD ONE AT INCREASED PRICE. TAKE BIG ONE. LIKE IT.

[@sriram93r]

My 60lakh home is giving 25k rent. So your whole video's base is wrong

[@lyricanosworld7576]

Bhai calculation and dimaag dono galat hai. Khaas kar Mumbai ke liye.

[@sahilsachdeva72]

Robot advise

[@hiteshgarg2912]

Where do find 15k rent for 1 cr property?? On moon?? Seriously???? Go and hunt for renting house and u will know

[@zedkon3302]

If i rent my current flat it will get approximately 25k meri salary 40k he ghr khrcha 20k ajata he, excluding petrol n other expenses....to isme rent kisse bharu aur ghr kharcha kisse karu? Also rent increases every year This is jst rich ppl sht

[@rohitchoudhury1]

What about rent increase every year

[@gauravsachar677]

1 doubt h mera rent vs apne ghr k suppose mere parents+ spouse aur 2 bche , in total 5 dependents merpe Hum rent pr the aur hum easily rent bhr re the meri salary me savings bhi 1 saal ki h aur 5 saal tak kharch uthane wala term insurance ( actually vo poora milega bhi nh but let's assume) Now one day I m dead then unn 5 dependents ka kya hoga mere bina? Kon aayega rent bhrne 5 saal ka backup use hone k baad? Apne ghr k loan pr insurance hota h to meri death k baad koi preshan nh krega aur zaada difference nh hota rent ka aur home loan ka aur aage 20 saal k baad ghr apna hojyga 2nd Koi security nh h rent pr kb land lord bahr nikal de kisi bhi reason pr Please solve my doubt.

[@abhaynaithani2745]

It's all good but this guy who replies every one 💀

[@akulakalyan1242]

Haha

[@Ashu__108-i5g]

😂 he didn't reply you

[@sahilsachdeva72]

Lol.. Its s semi half knowledge.. Who will talk about project / land appreciation?? Who will talk about increase in rent every year atleast by 10℅? Who will talk about the down payment which will reduce the loan amount and emi amount. Who will talk about 30% tax deduction on interest on loan of amount up to 200000 every year?? Kuch bhi bol rhe hoo yaar... Jis book se ratt rhe hoo?? Ausko ye toh dekh lo ki woh humari country mai lage ga ki nahi..

[@GodsonTheGamer]

Hmm

[@chandrashekharkale1697]

Half analysis only

[@chetanayalangde4758]

sharad youre talking nonsensical

[@benedictjoseph3832]

So this guy will give his 1 crore house mansion for 15k rent 😂. I think if he is a owner he wont give as in 2023 😂. If he is talking about his house in the village or a small town or a tier 3 city then ok 😊. This videos are created so that u dont own a house

[@3lpme]

What is difference between rental yield and rent??

[@primegurjar]

No way

[@AlokKumar-wm1fk]

kya bewkuf bana raha :D kuch bhi bol kar view ley raha..bhai dede apna flat 15k/month mein :D

[@vtembekar]

rent for 1cr property 15k?/// kya phoonk ke aya hai be

[@chiragsharmaYoutube]

Still if it is 30k then also you need to shell out another 40k a month for emi of home loan.

[@teddie177]

​@@chiragsharmaKZbinthe home be mine after some years, but rented cant be.

[@chiragsharmaYoutube]

@@teddie177 if you know better ways of using that money and generate better returns than real estate than good. Otherwise buying a house is good