Rent Or Buy a House In Your 20's? - What Is Better? | Ft. Real Estate Developer | Raj Shamani Clips
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- เผยแพร่เมื่อ 4 ม.ค. 2025
- 🎞️ This Is A Clip From Figuring Out Episode 187
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Disclaimer: This video is intended solely for educational purposes and opinions shared by the guest are his personal views and should not be considered financial advice. Before making any investment decisions, please consult with a qualified financial advisor. Our goal is to provide information to help audience make informed choices.
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Featuring - Ajitesh Korupolu
In today's episode of Figuring Out, Ajitesh Korupolu is in conversation with Raj Shamani, the Founder and CEO of ASBL real estate development company. Raj shares valuable insights on real estate, property buying, and more. They discuss the advantages of buying versus renting a house, the preferred age for purchasing a property, and how real estate investments can be more profitable than Fixed Deposits. Raj also highlights three career opportunities in the real estate sector and emphasises the potential in real estate data. He addresses ways to increase labour productivity and earnings and discusses the challenges of winning government tenders, industry transparency, and the prevalent scams in the real estate sector, including the profile financing scam in Noida. They explore reasons why NRIs are investing in Indian real estate, strategies for middle-class individuals to accumulate wealth through real estate, and identify promising cities for investment. For more insightful podcasts, subscribe to our channel.
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About Raj Shamani
Raj Shamani is the Founder Of Figuring Out Media. He's an Entrepreneur, Content Creator, Investor, and a Renowned Keynote Speaker. Raj has emerged as one of the Youngest Influencers in the Indian creator economy.
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Don't buy, Don't even Rent. Stay roadside and start SIP
Kya baat bola hai bhai na
😅 💯
😂😂😂😂
😂😂😂😂
😂😂😂
The pleasure of owning a property is immense.
Ghar karidhna hi best hai bajaye ke rent deke pese jalane ke, aaj 50 lakh ka ghar mil raha hai to 10 saal baad 2 crore ka rahega. Aaj le lo ghar yehi bhalai hai.
Sahi baat...❤ i think app amit sangwan ji ko follow kare ho 😊
Iska mtlb kar saal 30 percent ka return is it possible?
Or maintenance, house tax bhi minus Karo value m se or ye to gain hua hai uspar LTCG bhi dena padega.
Lekin tumhara Ghar koi kyu kharidega 10 saal baad woh bhi 2 Crore dekar😂? Tumhara 2 Crore block ho jayega! Isse accha kharidne wala thoda dur kharidega 10 saal baad, waha metro, monorail bhi hoga, woh bhi Naya Ghar, with modern amenities 😂 iska matlab tum Ghar khud ke sukoon ke liye kharid rahe ho, returns bhool jao🎉
Bhai 50 lac jo lagaya hai na wo 10 saao baad 5 cr + hoga
Bhai 50 lakh ka ghar 10 saal baad 1cr me b bech de tu to bht badi baat h in metro cities .. in nany developed areas aporeciation us very less
You should not buy a house even after 40, that's my personal suggestion. What's the hell mental peace? I purchased a house and lost my entire savings, and even business got down, and ultimately i had to sell 😢
Same bhai
20- own investment
80- loan
---------
1 cr registry actual value
15 lac intrest ( 4yr @9.2% )
--
1.15 total cost
If sell at 1.3 Cr
( Profit pn registered value = 30 lac)
15 actual profit
-9 lac capital gain (30% of 30 lac)
------
6 lac, what we get after 4 year on 20 lac investment.
Better if opt for already constucted.
People keep arguing RENT is better than BUY. They cry when they dont get house for RENT in Bangalore.😆😆😆😆
Bro.. Bank wont give you money for FD. For city like blore, rental yield is 5-6 percnt.
No … its not now 3bhk cost around 2.2 cr roughly max rent currently 55-65k for 3bhk
Forget about rental yield TOLET availability is a big thing.
@@bunnyman_5454Lots of flats available in sobha dream acer, brigade uthopia. Flat owner crying, not getting tenant.
See all said and done one should own a house if one can afford. Period. All these guys who advocate staying on rent, ultimately end up buying house😂. It’s ok to buy on mortgage. At least you are building asset for yourself and your money is being spent wisely.
Buying home to stay is not an asset, it is a liability.
It is an asset only. A home is always an asset
Paying rent is an asset???
@@Raj-mw9gb nope.
Mene ise chakkar me, jis ghar me rahta tha ussii Ghar ko rent p chada diya. PTA nhi kyu ab makan malik mujhse ladne laga h.😂😂😂
After 20 years who is buying old flat on premium? Yes if this Peddar Road or any cream area of any city still possible..
1:55 Is Rental Yield really only 2% (Average) in Mumbai?
Bhai 80 lakhs k loan pr 4 saal m total 10 lakhs interest 😆😆 ,,,, dont just fool the people yr,,,atleast calculate the things properly and then make vdio on something....8 to 9% rate is min rate currently which makes approx 25 to 30 lakhs over 4 years means your profit is gone almost
rent ya fir buy krna konsa better hai guys apke hisabse bataye pls
Thanks for sharing; considering the case when monthly EMI-interest ~ Rent! Instead of paying rent, pay almost same amount as interest, at the end of 15-20yrs you get to own the house?!
Isn't it a safe mid-ground of own-vs-rental house dilemma ?!
Wrong assessment
7 percent registry cost
Appreciation is only cash
Brokerage cost
Interest cost in 4 years is
Hello! 25 lacs( 8-9 percent every year on 1.3 crore)
You are saying you will put 1 crore in FD but bhai 1 crore hain kahan.
No one will give you loan to invest in FD. And mumbai is not the only city in India. Person who brought 6 lakhs worth of flat from DDA in Delhi 20 years ago is now earning 3 lakh as rent thats 50% rental yield.
Rental yield is always calculated at the current market price, you are calculating at buy price
@@MarketVisionHub if I bought it at 6 lakhs, and Have no intention of selling it, how is Market price relevant to me.
Calculating rental yield based on current price is just the normal, not the right of practical thing to do, because that stops people from realising the actual benefits of buying a house
@@ashish4451 it doesn't matter it's relevant to u or not
Even in Mumbai real estate has give phenomenal returns in long run. Right now Mumbai real estate is just going through a time correction that won't matter in long run.
Aap bhi Guruji ke subscriber lag rahe ho. Nice.
Indian society is not for individuals with lots of liquid money. So equity investing, compounding etc are not practical unless nobody knows one persons earnings and savings. Please go for a s.all house on loan in a city where u are employed. Keep the surplus to invest. Imagine youose job or have to take a break from work you can live in your house with bear minimum and sustain instead of renting. House os not a liquid asset. It should be same way. But dont go being a land lord. Be an equity invester after your first house. Social onligations drain your liquidity. Dont know how many agree with me
His entire calculation is wrong. As on today home loan is 9.5%. Interest amount will be around 28 lac. You will not make any money at 6/7 % appreciation when your home loan interest rate is 9.5%. Buy a house to live but don't buy for investment
And what if you give that house on rent?
You will get capital appreciation and rent income both at the same time🤡
@@voracious8889 He is talking about under construction house getting possession after 4 years. Rental yield in Mumbai is around 2-3% and interest on loan is 9.5 %
This guy hasn't done any homework.
20L down payment. Interest that have been earned on 20L for 3 years are 5.6L
80 L loan, 9 percent interest: 7.2 L interest each year being paid. For 3 years, it's approx 21.6 L
TOTAL INTEREST COST: 5.6 +21.6=27.2 L
RENT SAVED each year:2 L total 6 lakhs
Maintenance cost each year: 1 lakh, for 3 years it's 3 Lakh
Total outgo: (27.2+3)-6=24.2L
House price after 3 years at inflation adjusted rate: 1.22 to 1.25 L ( best case)
Take brokerage out, and other hassle of liquidating it.
What you are getting is essentially 22L and what you gave is 24 L, it's for initial 3 years when price appreciates. After 6 years, the value of house is stagnant if its apartment. So net gain inflation adjusted will be further low.
Now same 20 L invested in equity will give 12 percent return, and that is where game changes.
The anchor should cross question and don't listen to any bullshit, please.do homework.
He is talking of a just launched project, with a construction linked payment plan you don't pay all moey upfront. So interest liability is lower.
When you say to keep 1 Cr in bank as FD and making better income to pay rent then you forgot the fact that you never had 1 Cr cash in you bank, instead you were going to take loan for house which is cheapest to borrow
80 lakh ka interest 4 saal m 10 lakh iska mtlb 3.125 percent ka home loan?
You are absolutely wrong sir about rental yield of Mumbai.....go around and check you'll notice many things.
I'll give my example I had need to move from current place ...approx rent for 1 bhk. Carpet area 400+ was around 35-38k which increases by 6% atleast every year.
At same time I purchased a house worth 93lacs carpet 410. And roughly after my down payment I'm paying 52k emi.
I preferred paying 52k EMI rather than 38k on rent, yes it's a choice but my mental peice is almost achieved.
Bhai Mumbai me 2% rental yield wala dila do plz 😂😂😂😂
😆😆😆
It is very wrong calculation for 80Lakhs home loan the interest component will be much higher in the initial years....for a 8.5% interest rate, you will end up paying close to 28lakhs as interest for 4 years.
He is talking of an under construction apartment with construction linked payment plan. you don't pay all the money upfront.
raj bhai kitna badia value addition dere ho clips me.... apke ghar calculator hoto use krna..or video ko delete karna🤣🤣🤣🤣
1Cr ke ghar kharidne ki Stamp duty to batayi nahi.. to fir 20lakhs kese bachege 🤔
In bangalore it does not make sense to buy even in 30s and 40s. Water is not there crime is on high
If you ask any locals they will always talk all crimes are done due to outsider companies and outsider people, But most of the criminals speak kannada
local goons will always say outsider companies and outsider people leave Bangalore
Exactly, they want our money but they don't want us.
@@abhijitkhopkar1500 yes
@@abhijitkhopkar1500 congress can kick outsiders anytime
@@rajeevkri123 These are cheap poll gimmicks. They won't do it since they are fully aware of the role of corporate in local economy. But they will create ruckus, disturb corporate functionings and make lives of ordinary people miserable by stalling economy.
@@abhijitkhopkar1500 they will make it like Kolkata
Anyone who say do not buy house instead rent are the one who does not have enough capital and should stay away from this.
There will be a time when common people wont be able to afford house then renting will be an option only.
Any house in metro city costs 1cr atleast.
Even if you earn 1lakh per month still your emi will 75-80k. while in renting , it will be 25-30k per month rent.
Buying house only makes sense if you can make your rent = emi which means , you should have 50% capital upfront.
To be able tp afford it you should have atleast income 1.5 lakh post tax.
house is not an asset. you do not sell it.
80 lakhs k loan p 4 years ka interest 10 lakhs ... Wow
Basic assumptions are totally wrong about paying 10L interest in 4 years on a 80L loan... it would be approx 33L... So its a net loss mate
Since loan will be taken before construction is just about to start. Bank will sanction only small value based on status of completetion of project.
Builders will get to 90 pc easily within a year
I will totally disagree with you because please check below:
→If you buy a house:
If you buy a flat worth of 1 Cr let's assume that 20 L Down payment and 80L for emi @9% so have to pay approx 71000 for month for 20 years. So you ended up with the value of 3.25Cr Flat okay.
→If you rent a house.
So consider the avarage rent for whole 20years is 43000 per month 1 to 1.1CR.
So let's assume that you have invested the 20L into the index fund consider that you get 13% safe side for 20 years & you end up making 2cr with this it self.And sip the 40k on any avarage for 20 years with excluding the rent from it then you will end up making 4.58Cr now include whole amount into one
4.58+2cr=6.58Cr.🔥
Buying a home you end up making 3.25CR
If you rent the home you end you making
6.58Cr🔥.
Note: Only if you make 13% per year in index fund i think next 30 years very bright it can be easily make 16% to 20 % every month
So you can make easily 10CR to 15CR.
Benefits: Easily liquid and no black money💯
Buying house ❎
Investment ✔️
Rent for any property that costs 1Cr is easily in the range of 40-45K per month in Tier 1 cities today. You can expect an increase of 5-10 percent yearly unless there is another COVID like disruption.
What kind of blanket logic did you apply while calculating rent as 43K for 20 years. Do you think a rent of 45K is possible even in 2030 in any Tier 1 city?
After 10 years, rent for that property will be easily 1 lakh/ month
Other instrument investors ultimately buy some real estates from real estate investors. Agree?
480 sqare plot buy my family's 15 years ago at 1or 2 lakh now it more than 10 lakh price
+ we have 2 manjil flor
In rent you can expand your house to floors
, no compulsory advaaance payment
No Utility cahrges
Exactly the point buying a flat makes sense only if you re using it as a sorp not just to rent it out. As an asset it may not be useful in the time of crisis and you will be ending up selling the property at distress rates at the time of need. The point given here for interest calculation is totally bizzare as the interest component at 80 lac loan for first 4 year will clearly be around 30 lacs. Please use your podcast for some genuine ideas rather than sitting as a duck and let some fool come on your podcast and give strange observation and calculation and you just seem to move your head.
Ghra kharidny sa kiraya bachta ha magar Ghar ki value nahen badhti har area ma
Rental yield 2% what about appreciation of property 5-6%. + Mental peace.
Not 2 percent bhai around 3 to 4
@@sauravsikhwal2073 yes possible in some cities.
Mumbaiiiiiiiiii
I bought a house at 24 just FYI
Such vague and useless calcilation. who will add in the registration cost and gst while buying the flat. Plus broker charger. And increase in 30% of the cost of building just from start and completion is bit too much. Also after sanction of loan, we have to pay monthly emi which could have been put into sip or used elsewhere. He is Indian Robert Kiyosaki very good in talks but not practically executable
इनका केवल उद्देश्य वीडियो बनाना होता है उसके अलावा इनको कुछ नहीं पता
You should do some research, rental yield is 4 to 5 % in metro cities not 2%. Also every year 10% rent will increase, Not sure where you get this information.
1. It is not that easy to sell house afetr 4 years. Emif builders are selling it at 1.4 cr then you will need to sell it at lower, maybe at 1.3l
2. Interst will be around 35 lakh in 4 years.
Time pass kar rahe he, middle class ke hisab se bat karo na..
Dont buy a house , rent a house - Andrew Tate😈😎
Noob😂
Be my tenant 😆😆😆
Just because he is a real estate developer he cannot make fool of the people again coming on a podcast.
Totally foolish numbers and foolish claims.
20 lakhs investment and 100 percent returns : people will continue to become fools
Agar tumhare paas Ghar nahi hain toh loan pe lo agar pehle se hain toh show off ya parents ko satisfy karne ke liye mat lo.. baat khatm!!!
@financewithsharan
gay relationship par video banao
😂
Bhai hasne jaisa kuch nhi yar still log haste he and...although yeh ek aisa topic he jiske bare me socially bhot Kam hi log aware he...😅
@@_HSELIN_ oo aasa kya
@@_HSELIN_ jaane do bhai.
i am gay aur mein chahta hun ki sabko information mile.
baaki chutiye log haste rehte hein.
His entire calculation is wrong. As of today home loan is 9.5%. Interest amount will be around 28 lac. You will not make any money at 6/7 % appreciation when your home loan interest rate is 9.5%. Buy a house to live but don't buy for investment
No, he is talking of an under construction apartment. You don't pay amount afront. It is construction linked. Besides you get tax rebate on interest component upto 2 lakhs. Also property appreciates way faster than 6-7%. Only these fundoos on internet call real estate a bad investment, in real world it has been a time proven way to multiply wealth.
@@abhijitkhopkar1500 then he must be living on rent till the time of construction addd that cost...opportunity cost of advance payments also there.... no asset class can beat equity...
@@vishalgambhir5271 You don't deduct your house rent from your mutual funds returns either, right? I am just saying how construction linked payment plans do work. Investing in real estate or equity, both are individual choices and I am not recommending anything here.