Question 1

What is the most important rent vs buy factor?

Accepted Answer

The gap between EMI and rent, property appreciation, and return on invested savings usually drives the result.

Question 2

Does this include registration and stamp duty?

Accepted Answer

The model focuses on recurring ownership economics. Add stamp duty and registration to property price for a more conservative result.

Question 3

Why can renting create more wealth?

Accepted Answer

If rent is much lower than EMI, the saved down payment and monthly surplus can compound into a large investment corpus.

Question 4

Is buying always better in the long term?

Accepted Answer

Not always. Buying wins when appreciation, stability, and usable ownership value exceed loan interest, taxes, maintenance, and opportunity cost.