EMI vs Rent Calculator — வாங்குவதா வாடகையா தமிழில்
₹50L, 8.5%, 20yr: EMI ₹43,391 vs Rent ₹20K.
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.
₹50L, 8.5%, 20yr: EMI ₹43,391 vs Rent ₹20K.
Buy vs Rent: appreciation, rent escalation, tax benefits.
அடிக்கடி கேட்கப்படும் கேள்விகள்
India buy better?
P/R ratio <15: buy. >20: rent.
Tax benefit?
Sec 24: ₹2L. 80C: ₹1.5L.
Opportunity cost?
Down payment equity alternative.
Rent negotiate?
2-3yr lease discount.
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