Rent Vs Buy Debate | Full Clarity Given
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- Опубликовано: 29 сен 2024
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Maan gye aapko guru ji, bht se fininfluencer ne faltu ka ltka diya, kash phle mil gya hota aapka channel to apni bhi koi property bna li hoti😅
Dear sir if real estate growth is 6-8% and SIP growth is 15-16% then why could we don't give 2% to the fund manager
And SWP is the process from which you can take money monthly after a long time of investment 😊
In the era of taane maarne wale fathers.... U are the True father figure who is creating impact in the life of youth... Thank you
Baap badal liya
@@darshan_shukla😂
@@darshan_shukla sabke baap apke jitne ache nahi hote darshan bhai... Khair sabki apni apni problems h... I wish u best 😇
@@RaviRegarmay your relation with your father become good and understanding, wishing you best for future
But do not judge someone based on their videos or a few meetings
@@darshan_shukla biological pita and rasta dena wala pita alg hote h bhai, vo bs bol ni paya, mahadev ko bhi pita mante h log, anath balak ko jo pale vo bhi pita ho jata h, aise hi guide krne wala bhi hogya life m.
Sir you are a blessing for youth, thank you for your advice always on point.. God bless you 🙏🙏👍
If you are smart, you will make more returns in markets than real estate. This advice is good for ordinary fearful persons, and Cash is good- liquidity. Prices will not increase like it did in past.
Amazing Guruji !! Real estate kyu lena chahiye is baat par aapne aankhen khol di !! ❤
The main thing is investing discipline- stocks need it to a high degree but real estate is more passive so works for most people. Agree that it’s not either or
Small cities m 4% tk bhi milta h rental yield abhi just 6 month before property kharidi resale ki jb Li thi tbhi rent pr thi 3.5% ka tbhi milra tha or ab mene Khali krwa kr dubara utha diya 4%yield pr or maintenance society ka alag
Very informative video ♥️
bahut badiya
Great video sir. Nice reply to Finance with Ankur Shrivastava.😂 I have actually done the maths in excel based on your calculations and turned out that it's actually beneficial to buy a house than rent it in a 30 year horizon but on the following conditions
1. Min. Rental yield is 3.5%
2. Rent appreciates min 8-9% every year and property doubles every 10 years.
3. Down payment = 20%
4. Rate of interest = 8.5%
5. Avg. Return from mutual funds = 12%
5. Last and most importantly, joint home loan is taken by two people who are in 30% income tax bracket to maximise tax deductions.
We want calculation bro
Real estate is a secret wealth creator. The only, problem is that wealth created is in the form of black money.
Why u need likes...?
property doubles every 10 years ??? Bhai kuch cities ke kuch areas chhod kr kahin nhi hota esa. Spurts aati h (jese covid, metro line, big projects) usme jisne liya tha usi ka appreciation hota h. I am not supporting Akshat Shrivastav either, but he says the same thing as Mr. Sangwan is saying, buy home with a investor mindset, not emotional mindset. Ye bhi jo fayde bata rhe wo ghar ke returns ka dikha rhe, Akshat also promotes the same thing.
It is foolish to buy home at 10%-20% down payment jab aap aadhe se zyada salary dekr emi chuka rhe ho, build some cash, lower your expectations and buy home at at least 35-40% down payment which is net 30% of your income.
Rate of interest = 8.5% nahi milta hai. Now with high CRR minimum ROI is 10.5%
My PG owner bought property in 2002 worth Rs. 2.75 lakh. Now, he's getting rent 3 lakh monthly.
2002 was a different time. Now it is different, especially in big cities it is different!
2002 there was abundance of black money. And everything was dealt in cash.
Where is this... definitely not mumbai
@@srashsrash1 ludhiana
Having a plot is different thing..Flats are scam
What crap man. Why say 2% Expense ratio? There are MFs / ETFs with ERs lesser than 0.2%. Also, when you buy properties, the yearly maintenance & property tax etc is same as expense ratio of MF. Useless example. You are also cherry picking numbers and without telling infos like ER = property tax/maintenance fees etc.
Which MF have 0.2% charges? Bhai mujhe bhi bta de.
I am just 19 years old and very glad to have found all your channels at such an early age.
I am also 19 and I completely agree with you and am very glad !!
Job lgte he ghar le lena bhai log😊
You won't regret
You are lucky. Learn it and spread 🎉
I joined very late. It's a blessing that you got the channel.
Real estate is the only way to build wealth! Totally nailed it! I bought my first house in US in 2020 and now have 6 properties, tenants are paying my mortgage and my wealth is increasing rapidly! Reaching financial independence!
You work in software field.??
How did you transition from 1 to 6 in just 3 years??
bhai puchne ke waise koi fayeda nahi hai waha ka ssystem alag hai...jjaake smash ata hai
@@chinmayprakash9252
@@chinmayprakash9252yes i wonder 🤔 too.
He must be in a high paying job or have his own business.
Exhi
@@chinmayprakash9252 yes I do.. just kept buying.. I was working since 2009 but never thought of buying a house and kept good cash.
sir sabse important point jab aap ghar khareedte hai to mental satisfaction kitna zyada rehta hai. usme bhi ghar plot lekar banwao to ahaaa.... sab kuch apne man ka. koi aapko tok nahi sakta koi apko sawal nahi kar sakta... ghar mai kutta palo yaa billi koi shikayat nahi kar sakta padosi..
😂😂😂😂
Kuttaa billi...dekho baaat to shat pratishat sahi hai
Lekin plot buy karne ke baad jo kabze hote hain unse kaise bache? Bahut common hai North India mein toh. Legal procedures etc mein mental health kisi aisi taisi ho jaati hai.
@@chetanshukla768 bhai aise to fir kuch na kar paoge... car mai baitho accident ho rahe.. plane crash ho rahe.. shadi ke baad divorce ho rahe... bacche bade ho kr maa baap ko ghar se nikal rahe
Please make a video how one can make 3 to 4 properties in Mumbai...like Robert kiyosaki
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.
What a coincidence! Today I was arguing with my mom that I don't wanna build my own home as I don't want to bear those huge emi's but sir your wise thoughts just inverted my mind. Thank you so much for opening my eyes 👀❤️❤️❤️
Brother, if you had settled in a particular city, I advise you to buy a house even on EMI. That will reduce your overall retirement cost as well, as you don't need to pay rent than.
Having a no cost roof over head, ( now as there is solar top schemes for free electricity) is truly a mesmerizing experience to live with.
Great learning
I am 57 years old. You are correct. I start my journey and after 32 years of working made 2-3 property first and for the last 7-8 years doing sip and invtesting in stocks. You view is correct but my thinking and feeling after seeing the market senerio that our childrens are not hard working and they are not even doing the rent collection, building maintenance work of their property, depositing their house tax , water bills on time. So in that view investing in a mutual fund and in etf is good. My suggestion/opinion.
great insight. Thats so true...property management is a pain in the arsss.
Insightful session.
I am not against buying flat or plot but just sharing my experience.
I had booked flat in noida in year 2013 still awaited.Builder was renowned in during that time.Still paying EMI.Had I invested same amount in SIP it would have grown to more than 1.5crores.
Housing is need I agree but buy ready to move-in for end usage.
Stamp duty,registration are huge cost.
Also real estate is not something which will grow always.please read on Japanese real estate bubble burst in 90s.
Nothing is in black and white ,take decision as per your situation.
True. and there are 20,000 homebuyers in Noida going through the same since 2013. Even thousands in Ggn had their money stuck for the past 9 years as the property market was all bearish. But hardly anyone comes forward. Glad to know you chose to share. Kudos! ✌️
We bought a flat in Gurgaon in Ramprastha builders in 2010 and still awaiting possession. Swamih fund bhi release hua, fir kuchh kaam shuru hua then again kuchh builders partners ka aapas mein problem hua and ab to account freeze ho gaya hai, fir kaam band. 14 saal se possession ka intezar hai, pataa nahin kab milega.
Such dumb logic of comparing an sip of 10,20,30 or 40k with buying a home? Take a break babaji..how can you compare two totally non comparable amounts to derive a conclusion..
Where there is an option there is a comparison..you won't understand bcoz you are in that phase of life where you want commitment not returns..i would have respected you if you would have shared your actual breakup portfolio
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 !
A bigger outgo that instills financial discipline in yourself, will help you in the longer run.
Also bigger outgo can keep you somewhat healthy as Zomato outgo will reduce considerably
I bought flat at age of 24, loan cleared at 27, in Pune in 2013 at 52 lacs, sold in 2022 at 58 lacs. The flat was on rent since 2016 and since Covid much rent was also not there. Property has got many variables like city, location, areas nearby. Although my area h as great growth and multinational companies coming nearby still returns were not good. I have used all the money from selling of flat into stocks and in last two years have seen 12% growth in stocks value although it is bad market still earnings is more than seen in my property of 9 years. Apart from low returns, maintaining the property was headache, finding tenants used to be headache and selling the property was another big headache. Buy property only you want to live in it!
No one will reply to this fact now. Wasting space doing Guruji, Papa ji but not discussing facts. At least learn from Sangwan ji and argue with facts
Property prices don't increase linearly. Also, flat prices increase marginally with increase in land prices unless city grows exponentially.
Buying flat in Pune a very bad decision.
Pune people will only understand this pain.
@@semekd4940 why one shouldn't buy flat in pune?
@@nareshagarwal5605 Flats give best return in places where cities grow so exponentially that they can only grow vertically. Bangalore is one such example in last 30 years. Pune is not the case and never going to be the case because another big city is already nearby i.e. Mumbai.
In 2015 I was paying 12K per month rent for a 2BHK in Hyderabad. It was a new society, so I bought an apartment and started living in it. Obviously, thereafter I never paid attention to the ongoing rents. Last week shockingly I learnt that people were paying 26K per month in the same society for the same size of apartment.
Not agreed with you uncle . I am buying property since 2006 continuously and my overall problems are as
Always problem in sell
Always get weaker returns comparatively gold and mutual fund
High cost in property.
Uncle nowadays no one wants to live in one house one city all life .therefore i m not agreed with u
Budhha satiya gaya hsi
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
Property usi jagah buy kro jaha regular sabhal sako. Ye bhi to batao. Bina sar sambhal ke property ka kya hota hai.
Ur narrative on investing on big names of real estate doesnt stand true for cases of Amrapali and Jaypee. Big time real estate companies have failed and Home buyers are crying since a decade
Real estate cartel pays huge commission to promote their highy overpriced products .....China is an example where real estate boomed and people lost their investment in real estate
Subscribed in two minutes seeing😂 the name of so called RUclipsrs creating chaos in youth mind.. 2:36
My friend buy flat with 38k emi per month. Same building i have got same kind flat with 10k rent.😂😂😂
I m investing remaining amount in midcap and small cap.
If u invest such amount in property u must get land also. Buying flat in building is waste. Till the time loan finished, flat become old and useless.
Next year i m looking to buy farm land at native.
Uncle aap satiya gaye ho agra baju me hai
When people at office know u have a home loan,
Oh
manager will squeeze every last drop of blood from u
You are like an eye opener for me. I don't know how I came across this video. I hv unsubscribed all the RUclips channels. You hv given me a different prism of looking at life. Practical and blunt!❤
In 70s my grandfather purchased a shop as I remember For INR 2000 and now giving rentals for around 23000 p.m. , clearly indicates the astonishing returns of original investment but if we consider yield, the equation is same, but bechna hee kyon hai, go to hell with the yield and market value.
Buying a flat is never a good decision. Specially in India. It's like buying a car. after 30 years no body will buy the old flats . And 500 flat owners will never come to a settlement to re develop it . Today's youth are earning lot of money and the builder nexus want to loot it . Don't waste your hard earned money to feed these goons . Even you should stay away from stocks and mutual funds those are manipulated when it will crash you don't know. Only keep your hard earned money in govt schemes or renowned banks. Don't gamble with it. Even if you want to buy a flat buy resale you will save quite good amount of money.
inhe chijo se inka ghar chal rha h@@universe_105 , ghar ho ek ho jyada na ho
Uncle ji, you called yourself a one 1 clarity giver, it's just a misconception you are having.
Real Estate, Pure Gold and Silver are best way to invest. But the problem with real estate is that when it goes in dispute it becomes zero. Anyway it is personal decision of people. Better they should learn from their experiences. But bragging about yourself is the worst thing one person can have and it is also your habit. The best way is to have balanced portfolio, Real estate, Pure gold, silver etc. That is the best wisdom.
sir ye bilkul sai baat boli, jaldi ghar leke, jaldi loan khatam kiya, ab apne terms pe kam ho paisa ho to hi company me rukta hu, nahi to change, boss ya company cannot do anything, open market he.
Ye aadmi ye nhi samjh paa rha ki... Ek stocks me aap bhot jyada lose nhi krte... Lekin ek property galat nikalne me... Jindagi ki saari kamai nikal jaati h... This man won't stand for a second in a debate if confronted. Here apna RUclips channel h to koi dikkat nhi 😂
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
Real estate investment is the mother of all investment, people earn from any industry and invest in real estate.
If you have liquid cash or black money buy... Taking loan and buying its a liability
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.
The total return on a property is both the appreciation and rental return, which you've missed.
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
Guruji is king and this proves why experience is important and achi chize sikhane ke liye time lagta hai 30 sec ke reels or shots ne nahi milti❤
The comparison is good but i request you to include maintenance charges of the flat, although it may be a minor consideration.
Mazaa aa gaya guruji...
Today's lesson: life is a cricket match.
Uncle can understand why you are promoting real estat but life me aur bhi priorities hai multiple properties lene ke alawa.
Guru ji.. apna portfolio diversify karna padta ha.. property ke baad.. equity investment bhi karni padti ha.. 10 Lac ki need ho toh ratoon raat share bech saktey hain.. par property araam se nahi bikti... loan voan ke chakkar mei ham naa padtey..
Baaki jo property ma fasey bathey ha wey stock ma hi invest kara hain.. JP ka Yamuna expressway ka project 10 saal ho gaye khun pee rha ha kayiyan ka..
Aapki baat apni jaga saahi ha....jiski kismat jit chaal ja ha..usnay wo hi bhadiya laggya kara...Raam Raam ...
Buying Residential property is a savings instrument. It's not an investment instrument. I own a flat in South Delhi, it's price is stagnant due to property depreciation. Please choose the locality carefully. Buying Residential property is not always good decision. Sango uncle is a relationship expert, not a fin guru..lol
Pune ke naye flats ki life 15-20 years hai due to construction quality unless u buy premium flats or more than 3-4 cr.. Loan ? Down payment ? to buy flat, n then buying new for investment with perception of getting rent and flat appreciation?? Plz let us know ..
Sir, the way demographics of india is changing, i think to buy a home now will serve home for the population who is in majority after 30 years. There are examples like pakistan, bangladesh, kashmir, kairana and many parts of india...
Is this point not worth the discussion?
Sir i hv property in my home town,purchased on loan last year.
Should I buy another house in Delhi/Ggn or stay on rent and pay my 30-40 percent of home loan.
I also planned to go back to hometown in 10-12 yrs
Wht should I do?
Please guide
One word Jewel...for eternity...even when you will die this video will give you sum...!!!
I agree. I am around 40. Live in Navi Mumbai. We had finished our home loan just before covid and started spending that amount saved per month after that unnecessarily. So, we decided to invest half of that amount in SIP and remaining for a smaller flat nearby. Its underconstruction Mivan construction by a reputed builder.
We bought that for our 12 yr old son, so that when he starts his family he can be independent and yet we will be there close by of he or his wife needs help.
And do you know what career he would pursue, which city he would work in and want to settle?
@@BrownByTasteProudByChoice doesn't matter. He can put this house on rent and pay the rent in another city.
We have done our part.
Thanks, that just helps to understand if it was a financial decision or emotional one.
@@BrownByTasteProudByChoice
Definitely a good decision
Godrej golf links … is the prime example of Godrej not doing good
House is big purchase.. I gathered initial downpayment using GOLD.. and then i managed to have EMI which is 1/4 th of take home income.. I was able to close gold loan and then i closed plot loan fast using part payment parallely i changed career and multipled my salary.. Finally i want to build my dream home
Thanks Guruji ! Apke Videos ko samjh kr me and my wife hav purchased a 2bhk 8 months back , today it's rental yield is 3-4%
Where did you purchase
I do invest in MF since 2012 and getting 20% return.....but i do like your videos..❤
You should watch vivek Singhal rent vs Buy. It will be a very interesting thing to hear your take
I have purchased a flat in 2008, never stayed in that as i got transferd on other location. I put on rent and after 5 years, rental amount increased and become same of emi amount. I cleared loan in 2022.
Now i purchased another flat for reside on loan, there is very less difference in emi and rental income of first flat, and i hope in 5 years it become equal.
Guru ji...I follow Akshat and Ankur...I was very impressed by them but somehow I had a feeling that they don't give the complete picture...after watching your video I can see the Complete picture of the real estate..Thank you and keep posting more on real estate
Finance with Sharan is the biggest scammer of all time. He has no financial knowledge and only scams people in the name of selling courses.
Real estate and Gold. Once acquired, they dont cost you much in their journey to make you wealthy.
Guruji I never share your videos. Because I don't want to create competition in a clearity
Sango ji, dont make too much of good content.
ab saare hi shaane bangaye toh humare saath alag hi level ki politics shuru hojavegi 😂😂😂😂😂😂
Jo Banda paise hote hue puri zindagi rent pr rehta hai uska koi vajood nahi hai
sab kuchh rent pe hi he duniya me, ye body bhi rental pe he
Aap 7 minute tak khuch bataye nahin sirf apne baare me bhasan de rahe ho
Yes, need video on how to buy 4 properties in 20 years
I have 6 properties in gurgaon with a 1.2 lac salary, my suggestions as soon as possible start saving. It will help you a lot in the near future.
@@nitinverma1330 yes definitely, still property prices will rise. But getting affordable for investment is just like a lottery.
@@nitinverma1330 Even mahira people will get possession but it may take long time. But nowadays, all builders are identified for their work and payment plan has became clp. So don't need to worry more, just avoid a very new builder . But Getting Affordable is a very big task now, it's not an easy task.
Yes sir we want !!!
@@assonusethi how much you save from your salary?? In which instrument you're saving ?
7/8 saal phle meri salary Rs 100 thi,,Aaj 150 hai,, Baat baraber padti hai,, lekin Apna apna hi hota hai agar Resale nahi karna hai,,agar investment ke baare me soch kar flats lia,to 80%chance hai bikne me dikkat hogi,aur expected return bhi nhi milega
Yes please make a video on how to buy 4-5 properties in the next 20 years 21:22
Never ever buy flat for living! I would share my story some other time. Rent rent rent is way better don’t listen to this gentleman
And listen to you only...😂😂
@@shibooster Yes! Listen to me, because I wouldn’t say anything for getting views.
@@naseemahamad3006 I think we are metured enough to take what we want and leave what is not needed. If every RUclips vlogger starts thinking like you said, we won't have any content available.
Sir, fractional investment pe bhi ek video bana dijiye. Kya fractional investment karna sahi hai
Abhi he Sina sir ka 45min ka rent vs own house wala video dekh ke ay raha hu....😂....
Saha mood ka maa-behan ho gaya....😂😂😂😂
Simple math. i was paying 40K in rent and now paying 50k EMI. So paying 50K EMI much better then paying 40K in rent.
Pranam Guruji..I was desperately waiting for clarity on this topic from your side !
Pune property purchased in 2011 at 18 Lacs.. today the rent is 5k. 10 years ago rent was 4k. 😢
Currently buyer is at 27lacs.. very poor investment in metro city like Pune. Area is not bad as one would expect. Problem is area is growing and nee properties are more in supply than demand
exactly the point bro! Thats so true! Bus property lelo - fir retire ho jao is just a dream and only a few lucky ones get to grab it. Mostly it is a mess unless you wish to stay in that house for at least a decade. Also makes sense for ppl with tons of money to invest and even lose or hold for longer time.
Janak Puri ka example bata rahe ho aap...titne sare stocks the..1998 me liye hote to ab crore me khel rahe hote.. Better that real estate
Sir pls make video on how to make 4-5 properties within time span on 20 years.
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.
Stock market mutual fund valo ki vat laga di Guru ji 😅
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..
Absolutely true.
My funda is simple.
1st buy Home when u can afford it. (With or without loan)
Zaroorat se thora bada lo
Jabhi lo atleast uska price ka double paisa apko already hona chahiye ap hamesha happy rahoge.
Very impressive vedio. Thanks guro ji.
Kamath house is big one with 3 entrance😂😂
Benjamin netanyahu 😂
Sir please clear expense ratio is charged only once at the time of investing not every year
BAKWASS 😂😂😂😂😂 BAKWASS 😂😂😂😂😂 BAKWAS 😂😂😂 IDEAS BY THIS JOKER
What's your view in investing in a flat at Diya Green City'.
Rehne wale hum dehradun k aur property le top seven cities mei. Kaise manage karenge?
Yes, need video on how to buy 4 properties in 20 years
Zabardastttttt Mazzaaaaa Aa Gayaaaaa, Guru Ji! 🔥💫🔥
Makaan hey tou aadhi tension khatam. Kal business fail ho jaata ya bacche achhe settle nahi ho patey. Makaan bahut sahara benata hey. 🙏🙏🙏
I live in outskirts of ghaziabad near to rrts metro project property in my area locality shoot from 15 k to 40 -45k sq yard within 1 year
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. 😂😂😂
wrong in pune my manager brought flat at 30 lacs in 2009 now he can easily sell at 90 lacs . In reconstuction he will get 2 flats also !
Sir raju Choudhary star sip mutual fund wala banda hai wo, bolta hai sip se ghar le liya usne
Sir hun dehradun wale hai to gurgaon mei agar property mehenat karke lete b hai to uski dekh bhal kaise kar lenge??
Sir you are giving right and practical advice in free. I got my first at 25. age GZB LIG. Second at 40 Delhi 2 bhk builder. Third MIG Mohali society at 45 it’s possible in JOB. saving 25 tho. Rental Living in own house and 20 as rental income and income tax saving 5 tho per month on H loan. Never invested in Stock . 🙏🙏
Sir, I am living in Mohali. In our region, people have more craze for independent plots than flats, even than Mivan Construction flats. And rate surge is more for independent plots than flats. Is this pattern going to change soon?
what is the rent for 4 floors on that plot ? Assume 4% rental yield, and calculate the value off the plot.
@@fwefhwe4232 we have made a triple storied house on plot. The total Cost was around 1.3 crores and rent per month from 2 floors is Rs. 30k per month. We live on G.F. if g.f. is rented out, we will get 50k per month.
Not for Mohali especially. Plot owners in Mohali are end users specifically. Tricity is different than gurgaon however mohali is also booming but cautious with builder, go for original and trusted builders
Bilkul bakwaas bol rahe ho aap. I bought 2 bhk next to Infosys bangalore in SJR Equinox for 46 lacs in 2009. I paid 20 lacs down payment and took a loan of 26 lacs from icici bank. I will now end up paying 60 lacs back to the bank with 34 lacs as interest !! And now coming to the main point. Out of 34 lacs interest spread over 20 years, bank has already eaten 28 lacs interest in the first 15 years itself. Now my flat selling price is only 80 lacs. And i have to pay capital gains tax on it. Instead of this if i had trusted sensex with my 20 lacs, i would now be sitting on 1 crore cash pile.
Nahi. Real estate mein all my capital gains 80 - 46 = 34 lacs is being paid as interest to bank
Haven't you also saved rent every year ( is that also covered)?
You should paid your loan in 10 years
Ho hi nahi paayega with expenses of Bangalore
@@anilprasannau can't sell Ur flat now u need to leave it for 30 years
Sir which property you are talking about, which gives 7% rental yield?