Smart Tenant Vs Sad Owner | Rent Vs Own House | Real World Example

Good Karthik

"Aasai adakkida therinjaa Inga ellaam kaaladiyil kedakkum" 😎

This calculation does not include tax benefits. If you include tax benefits of owner that is helpful

Asusual Excellent comparison,.good work Karthik.
One more popular video by fin expert is circulating now reg the home loan. His theory (I.e) "If you have lumpsum to purchase a property, invest them in balanced mutual fund that will grow with 12% and take a home loan for 9% to buy a property- then do swp and pay the loan emi every month. After 20 years, there will be some amount accumulated in mf even after closing home loan " whats ur opinion on this ? Might be useful for others.

property price are rise above 12% but mf give approximately 12% and home loan interest rate 9% if you avail 20 year emi , now emi amount is high as 50% salary but emi is fixed so that after 5 or 10 years that emi amount goes to 30% to 20% of the salary amount

Owner's salary wasn't mentioned, his investment and gold/mf not mentioned, whether he also got same 1.5lakhs /month, the key factor is they should have maximised the emi amount during covid 6.5% was there for around 1.5 yrs and he should have stepped up emi to 75k max, so that principal would have reduced greatly now.

I have already taken a home loan, pre paying to an extent to lower the interest.

Concern was rising rent year on year 5% or more, looks it would match EMI in next 7 years roughly.

May be there's a possibility of no EMI or rent for the flat owner after approx 13 years, depends loan amount/tenure.

This is not for everyone, if there's a surplus for home loan pre payment, we can go for the first home, at same time accumulate gold, mf sip steadily.

Bro... Apartment ellam depreciation value... Paying Principle amount also waste.....

On any situation, i will insist person to buy their 1st own house within 20 to 30 kms of city center at 50lakhs around, rather than being a tenant, for how long rent should be paid, lifelong?.

This video makes more sense. This is true reality. Good work

House shifting heavy expense to be included for tennat. ( Lot of installation and installation)

One point i can tell u.. You can say lot of ifs and buts.. I got one situation where owners didnt allow to do final rituals on demise. You tell me, what will you think in particular situation whether rent a house is good or buy a house is good.

Will u do rituals outside of ur rented house?
Will u do rituals infront of the hospital?
Will u do rituals in sudukadu?
At that time will u do find a rented home and shift ur demise and do ur final rituals?

Which option u will consider? Or any new? Your thoughts?

Rent increases every year but emi remains the same for next 20 years

naanga enamum oolai kutisai la thaan vasikuroom, enga life la yepothum change aakaathu

Sir pginvit 1000000 lakhs buy pannalama divedand nalla eruku
Unga opinion

Please put out a new video

Thank you sir

Most of the time if married, wife always want a own home 😂.

They sometimes forget about husband ancestors property and their ancestors property.

Again want to be on pressure instead of peaceful investment other than own home