Rent Vs Buy Debate | Full Clarity Given
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- เผยแพร่เมื่อ 20 ต.ค. 2023
- #amitsangwan
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Maan gye aapko guru ji, bht se fininfluencer ne faltu ka ltka diya, kash phle mil gya hota aapka channel to apni bhi koi property bna li hoti😅
Dear sir if real estate growth is 6-8% and SIP growth is 15-16% then why could we don't give 2% to the fund manager
And SWP is the process from which you can take money monthly after a long time of investment 😊
In the era of taane maarne wale fathers.... U are the True father figure who is creating impact in the life of youth... Thank you
Baap badal liya
@@darshan_shukla😂
@@darshan_shukla sabke baap apke jitne ache nahi hote darshan bhai... Khair sabki apni apni problems h... I wish u best 😇
@@RaviRegarmay your relation with your father become good and understanding, wishing you best for future
But do not judge someone based on their videos or a few meetings
@@darshan_shukla biological pita and rasta dena wala pita alg hote h bhai, vo bs bol ni paya, mahadev ko bhi pita mante h log, anath balak ko jo pale vo bhi pita ho jata h, aise hi guide krne wala bhi hogya life m.
Great video sir. Nice reply to Finance with Ankur Shrivastava.😂 I have actually done the maths in excel based on your calculations and turned out that it's actually beneficial to buy a house than rent it in a 30 year horizon but on the following conditions
1. Min. Rental yield is 3.5%
2. Rent appreciates min 8-9% every year and property doubles every 10 years.
3. Down payment = 20%
4. Rate of interest = 8.5%
5. Avg. Return from mutual funds = 12%
5. Last and most importantly, joint home loan is taken by two people who are in 30% income tax bracket to maximise tax deductions.
We want calculation bro
Real estate is a secret wealth creator. The only, problem is that wealth created is in the form of black money.
Why u need likes...?
property doubles every 10 years ??? Bhai kuch cities ke kuch areas chhod kr kahin nhi hota esa. Spurts aati h (jese covid, metro line, big projects) usme jisne liya tha usi ka appreciation hota h. I am not supporting Akshat Shrivastav either, but he says the same thing as Mr. Sangwan is saying, buy home with a investor mindset, not emotional mindset. Ye bhi jo fayde bata rhe wo ghar ke returns ka dikha rhe, Akshat also promotes the same thing.
It is foolish to buy home at 10%-20% down payment jab aap aadhe se zyada salary dekr emi chuka rhe ho, build some cash, lower your expectations and buy home at at least 35-40% down payment which is net 30% of your income.
Rate of interest = 8.5% nahi milta hai. Now with high CRR minimum ROI is 10.5%
Real estate is the only way to build wealth! Totally nailed it! I bought my first house in US in 2020 and now have 6 properties, tenants are paying my mortgage and my wealth is increasing rapidly! Reaching financial independence!
You work in software field.??
How did you transition from 1 to 6 in just 3 years??
bhai puchne ke waise koi fayeda nahi hai waha ka ssystem alag hai...jjaake smash ata hai
@@chinmayprakash9252
@@chinmayprakash9252yes i wonder 🤔 too.
He must be in a high paying job or have his own business.
Exhi
@@chinmayprakash9252 yes I do.. just kept buying.. I was working since 2009 but never thought of buying a house and kept good cash.
I am just 19 years old and very glad to have found all your channels at such an early age.
I am also 19 and I completely agree with you and am very glad !!
Same 😌 19
Job lgte he ghar le lena bhai log😊
You won't regret
You are lucky. Learn it and spread 🎉
My PG owner bought property in 2002 worth Rs. 2.75 lakh. Now, he's getting rent 3 lakh monthly.
2002 was a different time. Now it is different, especially in big cities it is different!
2002 there was abundance of black money. And everything was dealt in cash.
Where is this... definitely not mumbai
@@srashsrash1 ludhiana
Having a plot is different thing..Flats are scam
sir sabse important point jab aap ghar khareedte hai to mental satisfaction kitna zyada rehta hai. usme bhi ghar plot lekar banwao to ahaaa.... sab kuch apne man ka. koi aapko tok nahi sakta koi apko sawal nahi kar sakta... ghar mai kutta palo yaa billi koi shikayat nahi kar sakta padosi..
😂😂😂😂
Kuttaa billi...dekho baaat to shat pratishat sahi hai
Guruji is king and this proves why experience is important and achi chize sikhane ke liye time lagta hai 30 sec ke reels or shots ne nahi milti❤
What a coincidence! Today I was arguing with my mom that I don't wanna build my own home as I don't want to bear those huge emi's but sir your wise thoughts just inverted my mind. Thank you so much for opening my eyes 👀❤️❤️❤️
Brother, if you had settled in a particular city, I advise you to buy a house even on EMI. That will reduce your overall retirement cost as well, as you don't need to pay rent than.
Having a no cost roof over head, ( now as there is solar top schemes for free electricity) is truly a mesmerizing experience to live with.
Great learning
I am 57 years old. You are correct. I start my journey and after 32 years of working made 2-3 property first and for the last 7-8 years doing sip and invtesting in stocks. You view is correct but my thinking and feeling after seeing the market senerio that our childrens are not hard working and they are not even doing the rent collection, building maintenance work of their property, depositing their house tax , water bills on time. So in that view investing in a mutual fund and in etf is good. My suggestion/opinion.
great insight. Thats so true...property management is a pain in the arsss.
Mazaa aa gaya guruji...
Today's lesson: life is a cricket match.
Sirji. You are always the number one clarity giver. 🙏🙏🙏
Awesome video again, about sharing the insights. It has helped me a lot in many ways. Yes, definitely we need the prediction video for the next 1.5 - 2 years for real estate domain.
Keep rocking !!
🕺 🕺 🕺. 🎉🎉
You are like an eye opener for me. I don't know how I came across this video. I hv unsubscribed all the TH-cam channels. You hv given me a different prism of looking at life. Practical and blunt!❤
Sir your channel giving more clarity.।।
Thanks a lot sir.।
I bought flat at age of 24, loan cleared at 27, in Pune in 2013 at 52 lacs, sold in 2022 at 58 lacs. The flat was on rent since 2016 and since Covid much rent was also not there. Property has got many variables like city, location, areas nearby. Although my area h as great growth and multinational companies coming nearby still returns were not good. I have used all the money from selling of flat into stocks and in last two years have seen 12% growth in stocks value although it is bad market still earnings is more than seen in my property of 9 years. Apart from low returns, maintaining the property was headache, finding tenants used to be headache and selling the property was another big headache. Buy property only you want to live in it!
No one will reply to this fact now. Wasting space doing Guruji, Papa ji but not discussing facts. At least learn from Sangwan ji and argue with facts
Property prices don't increase linearly. Also, flat prices increase marginally with increase in land prices unless city grows exponentially.
Buying flat in Pune a very bad decision.
Pune people will only understand this pain.
@@semekd4940 why one shouldn't buy flat in pune?
@@nareshagarwal5605 Flats give best return in places where cities grow so exponentially that they can only grow vertically. Bangalore is one such example in last 30 years. Pune is not the case and never going to be the case because another big city is already nearby i.e. Mumbai.
Insightful session.
I am not against buying flat or plot but just sharing my experience.
I had booked flat in noida in year 2013 still awaited.Builder was renowned in during that time.Still paying EMI.Had I invested same amount in SIP it would have grown to more than 1.5crores.
Housing is need I agree but buy ready to move-in for end usage.
Stamp duty,registration are huge cost.
Also real estate is not something which will grow always.please read on Japanese real estate bubble burst in 90s.
Nothing is in black and white ,take decision as per your situation.
True. and there are 20,000 homebuyers in Noida going through the same since 2013. Even thousands in Ggn had their money stuck for the past 9 years as the property market was all bearish. But hardly anyone comes forward. Glad to know you chose to share. Kudos! ✌️
Zabardastttttt Mazzaaaaa Aa Gayaaaaa, Guru Ji! 🔥💫🔥
Eye opening discussion, like a Guardian 🙏🙏 very good.
sir ye bilkul sai baat boli, jaldi ghar leke, jaldi loan khatam kiya, ab apne terms pe kam ho paisa ho to hi company me rukta hu, nahi to change, boss ya company cannot do anything, open market he.
The way you explain about real estate and Mutual Funds is really awesome. How to play on the leverage being offered by the banks
You're the number one clarity giver for sure...Please make more videos for the guiding us and the youth of this country for make a life for themselves.
Thanks Guruji ! Apke Videos ko samjh kr me and my wife hav purchased a 2bhk 8 months back , today it's rental yield is 3-4%
Where did you purchase
Taauji you really nailed it, to the point explanation 🙂
Great Video. Couldn't agree more as I purchased home 3 months ago.
Sir you are giving right and practical advice in free. I got my first at 25. age GZB LIG. Second at 40 Delhi 2 bhk builder. Third MIG Mohali society at 45 it’s possible in JOB. saving 25 tho. Rental Living in own house and 20 as rental income and income tax saving 5 tho per month on H loan. Never invested in Stock . 🙏🙏
Pranam Guruji..I was desperately waiting for clarity on this topic from your side !
Sir you are always right 👍,i am a subscriber of your all 3 channels, you are so true and wise, शत् शत् नमन आपको 🙏🏆🎉🎊
In 2015 I was paying 12K per month rent for a 2BHK in Hyderabad. It was a new society, so I bought an apartment and started living in it. Obviously, thereafter I never paid attention to the ongoing rents. Last week shockingly I learnt that people were paying 26K per month in the same society for the same size of apartment.
Thank you Sir ..your every videos are eye opening with all new information..
Sir you are a blessing for youth, thank you for your advice always on point.. God bless you 🙏🙏👍
Wonderful advise sir👏👏👏Jabardast answer to all
Very Truly said 🙏🙏
Loved the video sir
Awaiting for the predictions
Thanks Guruji... MAG.... Waiting for the next shot from you :)
We need it sir❤🎉
Sir thank you and namaste I am in job and your videos really helps us give multi dimensional perspective. And sir i assure you some very smart and hardworking youth is watching you and wants to say thanks.
What a Clarity on this burning Topic ❤
Amazing Guruji !! Real estate kyu lena chahiye is baat par aapne aankhen khol di !! ❤
Very nice Sir wonderful explanations and Eye opener for young and even older people, very practical approach
Thks sir u gave a lot of clarity to me
Bilkul sahi bat kahi sir apne aj un logo ko jawab mil gya jo mujhe mere decision ke liye criticise krre the .
Real Estate, Pure Gold and Silver are best way to invest. But the problem with real estate is that when it goes in dispute it becomes zero. Anyway it is personal decision of people. Better they should learn from their experiences. But bragging about yourself is the worst thing one person can have and it is also your habit. The best way is to have balanced portfolio, Real estate, Pure gold, silver etc. That is the best wisdom.
Yes, need video on how to buy 4 properties in 20 years
Very nice video n information shared is also very valuable, thanks
I totally agree with you.
Absolutely correct.. I have followed most of the points that. You have discussed
I love the video. And I have the same mind set as you sir. I have bought a property in dwarka last year getting rent out of that and at the same time I am living on rent but in cheaper flat till my marriage. Got that aura in my family and inlaws al the respect support financial stability coming on its. The bad thing about your video is you leading customers to the hidden product
Guruji ekdam correct Zerodha k owners kaa paisa real estate, FD and index funds mein hi laga hua hain.
Very Knowledgeable Video Sir Ji 👌🙏
We need it, Next Predict kar do. Aur Cash Flow positive property ka webinar jaldi lao.
Eye opening for Investors.....Thanks Sir for your inspiration videos
I agree. I am around 40. Live in Navi Mumbai. We had finished our home loan just before covid and started spending that amount saved per month after that unnecessarily. So, we decided to invest half of that amount in SIP and remaining for a smaller flat nearby. Its underconstruction Mivan construction by a reputed builder.
We bought that for our 12 yr old son, so that when he starts his family he can be independent and yet we will be there close by of he or his wife needs help.
And do you know what career he would pursue, which city he would work in and want to settle?
@@BrownByTasteProudByChoice doesn't matter. He can put this house on rent and pay the rent in another city.
We have done our part.
Thanks, that just helps to understand if it was a financial decision or emotional one.
@@BrownByTasteProudByChoice
Definitely a good decision
Guru ji ko प्रणाम
Excellent presentation.
Amazing eye opener content
Perfect n bahot archa bataya hai, v gud
Real estate investment is the mother of all investment, people earn from any industry and invest in real estate.
Muu thod jawab video to all SIP Karo and Ghar vs SIP excel youtubers... Hats off to ur wisdom sir..😊.
My friend buy flat with 38k emi per month. Same building i have got same kind flat with 10k rent.😂😂😂
I m investing remaining amount in midcap and small cap.
If u invest such amount in property u must get land also. Buying flat in building is waste. Till the time loan finished, flat become old and useless.
Next year i m looking to buy farm land at native.
Yes.. Plz make video on multiple property how to buy
Very informative video ♥️
I bought Villa and in 6 months 50L appreciated.
I built a building with 6 flats @1.5L rent per month, but I knew return will be less compare to what I invested but it’s fine & went for it as financial security for family where they don’t have worry if I am not around and rental adjust with inflation.
Very true Sir.
amazing sir, thank you
बहुत ही बढ़िया गुरु जी,👍
You should watch vivek Singhal rent vs Buy. It will be a very interesting thing to hear your take
Great video Guruji. Need a video on the people who is in 35-40 age and planning to buy a home. As we can't go back in 20's and buy a home in Pune City for own living 😊. Please give your expert advice on how we can plan this? Which all things need to take care as responsibilities are more now, kids, education and everything has to go parallel.
I bought flat at age of 24, loan cleared at 27, in Pune in 2013 at 52 lacs, sold in 2022 at 58 lacs. The flat was on rent and since Covid much rent was also not there. Property has got many variables like city, location, areas nearby. I have used all the money from selling of flat into stocks and in last two years have seen 12% growth in stocks value although it is bad market still earnings is more than seen in my property of 9 years. Apart from low returns, maintaining the property was headache and selling the property was another big headache. Buy property only you want to live in it!
@@abhiyou0tube great 👍. Looking for own living only in Pune City
@@kidsworld1730Hi what kind of property are you looking to buy? I have a 1 BHK flat to sell in Dighi area. If you I can also help inproprtynselection in Pune based on my experience from 2009.
@@prashantpatil9691 Hi.. looking for 2bhk.. Majorly in Vishal nagar or some nearby areas.
Very nice video 👏 clarity given for us
Buying a flat does not even beat inflation. Appreciation is less than 7-8% but in MF you can expect at least 10%. I am not saying one should not buy a house but only when they have 70%+ house value so minimum loan and no corporate slavery. You said one will work honestly if he is having a home loan is illogical. Sometime covid like situation can occur and PPL may lose their jobs. Will the bank wait for EMi till the person gets a job.
The total return on a property is both the appreciation and rental return, which you've missed.
Hello sir, 1 video ispe bnao ki hmko registry flat ki kb tk kra leni chaiye turant krani chaiye ya 8-10 saal ruk skte h jisme hm long time rhenge
In 70s my grandfather purchased a shop as I remember For INR 2000 and now giving rentals for around 23000 p.m. , clearly indicates the astonishing returns of original investment but if we consider yield, the equation is same, but bechna hee kyon hai, go to hell with the yield and market value.
Should be buy ready to move in property or property which is under construction?
Bhaut log hai guruji jo screen pe aake survivorship bias ka faida utha ke logon ko bhatkate hai and taki wo log bar bar unki videos dekhen, aur normal log unko authority de dete hain,
You are making normal people aware.
Great and practical video ❤❤
Your are great GURUJI 🙏
Property usi jagah buy kro jaha regular sabhal sako. Ye bhi to batao. Bina sar sambhal ke property ka kya hota hai.
Absolutely fantastic
Great video.
Excellent experience
Very well said and rightly countered. One more point on top is that one feels their own house and create memories there. Who would want to create memories in a rental house
Yes, the house is where your all memories with your partner, your kids are. Most of our camera clicks and videos are in our house only. I wouldn't want any of those memories to be in someone else's house.
Nice and Meaningful in few and Exact words
Chahiye Guruji😅. Want more such videos
Guru ji...I follow Akshat and Ankur...I was very impressed by them but somehow I had a feeling that they don't give the complete picture...after watching your video I can see the Complete picture of the real estate..Thank you and keep posting more on real estate
Sir pls make video on how to make 4-5 properties within time span on 20 years.
This is such a wholesome video !!!!!!!
Thank you😊
Shaadi mai kharcha karna nahin hain. This is definitely good advice 👍.
The comparison is good but i request you to include maintenance charges of the flat, although it may be a minor consideration.
If you have liquid cash or black money buy... Taking loan and buying its a liability
20 saal me 4-5 properties kaise kharide, starting from age 25-30 ?
Please make a video about how to make 4-5 properties
We need it Sir.
I totally agree. I bought a flat in 2014 for 19 L and then a duplex 4 bhk villa in 2022 for 53 lakhs. I currently stay in that Villa. I pay around 33k EMI for my villa. But if I ever have to rent this villa out, I will easily get around 37-38k rent for both floors (2bhk each) due to the two universities which are within a 4-5 km radius. I am saying this after seeing the same villas which are given for rent in our society. So, almost 8-9% rental yield. Currently, the price in this area is around 65-70 L for the same villa (Almost 20-25% appreciation in 2 years). But that flat that I bought still has the same value. So, not all properties will appreciate. Need to be careful while buying.
ANd yes, when you buy a house on EMI, you get serious about your job and will try harder to increase your income. If everything goes well, I will be able to pre-pay most of my loan (almost 80%) in the next 4 years as few of my early investments will mature at that time (PPF).
Excellent
Just love it, perfect he is best
Mazza aa gaya Guru Ji dhaga khol diya 😂❤
Great advise sir. I m also of the same opinion
Guru ji.. apna portfolio diversify karna padta ha.. property ke baad.. equity investment bhi karni padti ha.. 10 Lac ki need ho toh ratoon raat share bech saktey hain.. par property araam se nahi bikti... loan voan ke chakkar mei ham naa padtey..
Baaki jo property ma fasey bathey ha wey stock ma hi invest kara hain.. JP ka Yamuna expressway ka project 10 saal ho gaye khun pee rha ha kayiyan ka..
Aapki baat apni jaga saahi ha....jiski kismat jit chaal ja ha..usnay wo hi bhadiya laggya kara...Raam Raam ...
Great analysis by Shri Amit Sangwan
Sirji... waiting for video how to buy 4-5 properties