Rent vs Buy india : Which is a better long-term option?

Home Loan……A Trap!

Present private sector and government sector lo employees ki manchi salaries ravadam valla job vachana kothalone sontha intlone happy ga vundali and society lo status vuntundi ani home loan pettukoni house koukovadaniki plan chesukuntunaru. Kani 20-30 years ki home laon pettukovadam valla double amount pay cheyalsi vastundi ani gamanincharu.

E roju nenu house konukovadaniki 2 suggestions cheptanu.

    1. Loan pettukoni house konukovadam kante home loan ki pette EMI money mutual funds lo SIP chesukoni future lo illu konukovadam better (With better infrastructure).

Oka vela ledu sontha illu kavali ante

    1. Mutual funds lo SIP start chesi easy ga home loan ela repay cheyalo telusukundam..

Option-1: Better to pay Rent than Buy

It is better to start investing now and buy home later (after 15-20 years) with your own money rather than taking a home loan and repay more than double.

Home loan pettukoni ippudu house konukune kante 15-20 years ki mutual funds lo money save chesukoni appudu mi sontha dabbulu tho house plan chesukovadam better.

Oka example teesukundam, suppose iddaru friends Charan and Krishna kothaga Hyderabad lo oke company lo job join aiyaru and iddariki manchi salary vastundi anukondi.

Oka roju charan Hyderabad lo 2BHK house konukundam ani plan chesukoni 50 lakhs home loan teesukunaru with 8.35% interest rate for 20 years.

Home loan calculation muutal funds telugu

So Charan prati nela 42,918 rs EMI pay chestaru 20 years ki and total 20 years ki 1.03crs pay chestaru ( Down payment Zero vundi anukondi) 50 lakhs flat ki.

Inko vaipu Bunny Rented house lo vundam ani cheppi 20 years ki 2BHK rent house lone vuntunaru.

Rent every year increase avutundi kabbati manam rent average ga 30,000 teesukundam.

Rent amount pay chesaka Bunny daggara 12,900 migulutundi (42,918 charan EMI-30000 Bunny Rent). Bunny aa 12,900 amount ni mutual funds lo invest chedam ani anukunnar 20 years time period ki 15% returns tho.

sip tenure mutual funds telugu

Sip calculator mutual funds telugu

After 20 years

20 years tarwata charan daggara 2BHK falt vundi kani bunny daggara 1.95 crs vunnayi e money tho tanu kavali ante kotha house knukovachu.

Please note: 20 years ki manam house maintaince charges evi calculate cheyaledu simple ga EMI matrame calculate chesam and 20 years tarwata house value 2cr aina sare Charan 1cr loss lo vuntaru endukante home loan total amount 1cr aindi kabbati. (Flat ki 15 years tarwata market value raadu but still e assumptions evi manam teesukoledu). But bunny ala kaadu 20 years tarwata 2crs tho manchi house without loan teesukovachu.

Oka vela sontha illu Home loan peetukoni teesukovali anukunte

Option-2: Take Home Loan and Repay through SIP

Ikkada manam home loan home loan easy ga ela repay cheyalo telusukundam paina meeru chusinattu 20 years home laon teesukunte double amount pay cheyalsi vastundi. 50 lakhs home laon ki 1cr pay cheyalsi vachindi.

Home loan twaraga paycheyadaniki Edina option vunda ante oka alternate option vundi, Mutual funds lo SIP cheyadam.

Same example teesukundam Charan 20 years ki 50 lakhs loan teesukunnaru 8.35% interest rate ki and monthly pay cheyalsina EMI 42918 and total ga kattalsina loan amount 1.03crs.

Oka vela charan ganaka every month mutual funds lo kontha amount invest cheste tana home loan pay cheyadam easy aipotundi kani mutual funds lo invest cheyadaniki Charan ki kontha money kavali kada?

Charan tana EMI tenure ni oka 5 years penchukunte tanu kattalsina EMI taggutundi, Entha money migulutundo aa money mutual funds lo invest cheste charan home laon easy ga pay cheyachu.

Home loan tenure penchukoni remaining money mutual funds lo invest cheyadam better option ela avutundi total ga pay cheyalsina money perugutundi kada ani anukuntunara?

E table chudandi.

Home loan calulcator mutual funds telugu

Table lo chupinchinattu loan tenure penchukunte kattalsina EMI kuda taggutundi and total pay cheyalsina amount kuda 16lakhs perugutundi.

Charan ki nenu option-2 suggest chesanu, 25 years ki home laon teesukoni every month 39,757 EMI pay chesukoni remaining amount (42,917-39,757) 3160 mutual funds lo invest cheste charan ki 25 years twratata mutual funds lo 1.03crs vastayi

sip calculator mutual funds telugu

Results in Net Gain of Rs. 87.5 Lacs.

Kinda table lo 25 years and 30 years ki home laon switch chesukunte profit entha vastundo telusutundi.

mutual funds telugu home loan repay calculator

Similarly charan oka vela 30 years ki home loan teesukunte Net gain 3.16Crs vastundi

Intresting point enti ante oka vela charan 30 years ki loan teesukuni remaining amount mutual funds lo invest cheste charan daggara 3.50crs vuntayi and 2BHK flat rendu migulutayi.

Hope this helps.

Points to noted:

    1. Prati property oke laga increase avvadu e article konthamandiki wrong anipinchachu but chala mandiki right anipistundi.
    2. Mutual funds lo 15% returns vaste every 5 years ki money avutundi, Real estate lo every 5 years ki money double avutundo ledo chsukondi.