The ultimate financial showdown. We use the "Opportunity Cost" method to mathematically determine if you should sign the lease or the deed.
Buying wins because property appreciation (5%) and forced savings (equity buildup) outweigh the returns you'd get from investing the difference (7%).
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It's not as simple as comparing "Monthly Rent" vs "Monthly EMI". To get the true picture, we track the Net Worth of two parallel universes over time:
The calculator projects these two lines forward to see which one ends up higher.
Stamp duty rates vary by state (3-7% of property value). Women buyers often get 1-2% concession. Registration charges are typically 1% extra. Total transaction cost ranges from 4-9% depending on location.
Buy if you plan to stay 5+ years, have down payment (20%), and home loan EMI < 40% of income. Rent if career is unstable, you prioritize liquidity, or want to invest surplus in higher-return assets.
Property tax is based on Annual Rental Value (ARV) determined by municipal authorities. Rates vary: 0.05-0.20% of ARV in metros. Self-occupied properties often get lower rates or exemptions up to certain limits.
Beyond down payment: stamp duty (4-7%), registration (1%), legal fees (0.5%), brokerage (1-2%), GST on under-construction (~5%), interior work (₹500-2000/sqft), and maintenance (₹2-5/sqft monthly).