Buy vs Rent कैलकुलेटर - Delhi NCR
In Gurgaon, a 2BHK in a mid-range society costs Rs 80-120 लाख with an EMI of Rs 55,000-85,000 at 8.5% for 20 वर्ष. The same flat rents for Rs 20,000-30,000. Rent is still cheaप्रति माहly, but Gurgaon has seen 8-10% price appreciation, making buying a reasonable long-term call for 10+ year horizons.
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.
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