Sigma Tech India · Banking
Rent vs buy, net wealth at the horizon.
Rent and invest the down payment, or buy with a home loan and EMI. Account for property appreciation, rent escalation, maintenance, and investment returns. The richer choice is named.
01 Inputs
Same comparison horizon for both paths.
Comparison Horizonyears
yr
Buying — Property
Property Cost
₹
Down Payment
%
Loan Rate
%
Loan Tenure
yr
Appreciationp.a.
%
Stamp + Reg.% of cost
%
Annual Maintenance% of cost
%
Renting
Current Monthly Rent
₹
Rent Escalationp.a.
%
Investment Returnon saved money
%
Client Nameprints on PDF · optional
02 Verdict
Net wealth at the comparison horizon.
Buy · Net Wealth
₹0
Property value − Loan
Rent · Net Wealth
₹0
Investment corpus
Side-by-side at year 10
ParticularsBuyingRenting
Upfront cash——
Total cash outflow——
Asset / Investment Value——
Outstanding Loan——
Net Wealth——
Verdict—
Indicative only — does not capture HRA exemption, 80C principal repayment, 24b interest deduction, or capital gains. — sigmatechind.com