EMI vs Rent — ਪੰਜਾਬੀ ਵਿੱਚ
Chandigarh: ₹20K ਕਿਰਾਇਆ vs ₹40K EMI. 7 ਸਾਲ → buy wins.
Monthly EMI
₹55,541
Total Buying Cost
₹1,49,29,765
Total Renting Cost
₹99,19,786
Property Value at End
₹2,56,57,084
Break-Even Year
Year 1
Verdict
Buying is better long-term
Compares total cost of buying (down payment + EMIs) vs renting (with annual rent increases) over the loan tenure. Factors in property appreciation for the buying scenario.
Chandigarh: ₹20K ਕਿਰਾਇਆ vs ₹40K EMI. 7 ਸਾਲ → buy wins.
ਕਿਰਾਇਆ vs ਖਰੀਦ? Tax, appreciation.
ਅਕਸਰ ਪੁੱਛੇ ਜਾਣ ਵਾਲੇ ਸਵਾਲ
Break-even?
7–10 ਸਾਲ.
Tax?
₹3.5L/year.
Opportunity?
Down payment.
ਕਦੋਂ?
7+ ਸਾਲ.
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