Ghar khareedna
Kiraye par rehna
Aur
Faisla
—
Kul sampatti, saal-dar-saal
Khareedne parKiraye par + nivesh
Saal-dar-saal hisaab
| Saal | EMI + maintenance (saal) | Kiraya (saal) | Loan baaki | Khareedne par sampatti | Kiraye par sampatti |
|---|
Hisaab kaise lagta hai
Donon ke paas shuru mein utna hi paisa maana gaya hai. Khareedne wala down payment, stamp duty aur interior par kharch karta hai; kiraye wala yahi rakam nivesh kar deta hai. Har mahine jo bhi kam kharch karta hai, woh farak nivesh karta hai. Aakhir mein:
- Khareedne par sampatti = ghar ki tab ki keemat (1% bechne ka kharcha ghata kar) − baaki loan + uska apna nivesh.
- Kiraye par sampatti = nivesh ki kul rakam.
Price-to-rent ratio
Ghar ki keemat ko saal bhar ke kiraye se bhaag dijiye. Bade shaharon mein yeh aksar 25–35 hota hai, yaani kiraya ghar ki keemat ka sirf 3–4% saalana. Ratio jitna zyada, kiraye par rehna utna sasta. 20 se kam ho to khareedna jaldi faayde mein aata hai.
Yeh ek anumaan hai, salah nahi. Ghar sirf paise ka faisla nahi hai: stability, bachchon ka school, aur shahar badalne ki sambhavna bhi dekhiye. Bade faisle se pehle kisi financial advisor se baat karein.