2 reasons I should buy in 20s :- 1)Maa baap chahte hai . 2) shaadi ke liye ladki nai denge.

I am really happy that I bought house at the age of 25. I am 36 now and I have completed my home loan at age of 33. I bought second house last year and started earning rent on it.

Sir with all due respect , for a middle class person like me who have been living in a rented premise a sweet little home is always the first priority after getting a job.

Save for 10 years and when you go to buy that big or even small house the price apreciates by 10fold... 😂

One more reason is that you will get stuck doing a job even if you hate it cause you have to pay EMIs

1) if you are earning well and you and your partner decided to settle in a city then go for own home. 2) there is no definition of accurate size of flat/house. If you are enough to predict about your family size and requirements then go for it. EMI problem would be just for few years. Once you earn more then you will enjoy more with your family. 3) Rented home will not give satisfaction and furniture would be compromised. You will loose 10 years of family enjoyment and satisfaction if you late your decision of buying home.

House is an emotion, life is not all about calculation

3 reasons why you SHOULD buy a house: 1. You are still young. If you can afford a down payment at a young age, you are more than qualified to buy a house. And if you start with buying a small house, you would be able to sell it later on and buy a bigger house confidently as you will have more experience in buying a house. A mistake done early is a lesson learned early. 2. You won't be able to buy a big house right now but it would be easier to pay off a smaller amount right now in EMI instead of paying a big amount in your 30s when you have family to feed and kids to send school. The house costing in crores right now will be tens of crores in your 30s. So if you can afford a house right now, do it now and make your money grow at the same pace as the prices of properties. 3. Stop living a fake life by living in a big home. Nobody cares if you live in a small house or a big one. The rental yield might be very low but it is a complementary to real estate investment. I am not saying that real estate is great and all but if I was able to buy a house right now, I would have to have a safe place to live my life in peace with my parents, family and kids. For the investment purpose, I would rather buy a business than a house ofcourse. But for the sake of security and freedom, a house is much more important than a piece of stock.

You should pay 20k emi instead of 15k rent ... atleast at the end you will complete 3/4 payment.

Fun fact my brother bought home at the age of 22 15 years back at 9.5 lacs.....that is now 1.2 cr....ignore these investment gurus and bunch of hutyas who advises you all the time....listen to your voice.... Stock vala gyan dene mat aana 12% compound me b uska paisa 60 lacs hua hota abb tak maxxx

I am late to hear all this. At the age of 24 took a house. Paying my EMI's even now. I am 33. I want to relocate to a different colony. However due to the commitment of EMI, i am not able to take a house on rent in a colony which i want to reside. I am telling all my friends not to buy a house at young age as i did. At that juncture it was a proud moment for me. But now when i think of it. I feel i made a mistake.

3 Reasons I'm NOT buying a House- 1. I don't have Money 2. I Don't have a JOb 3. I Don't have a life

Warikoo has destoryed this gen😂

Purchaseing house is a investment for me

Best piece of advice :- don't watch his videos😂😂 you can buy anything then

Kabhi Mumbai ka name suna hai and uska rent 😂

Suppose i want to buy house costing at 50Lakh now i decide to invest it and buy it after 10years After that suppose i got the highest profit at 20% of amount now i have 60Lakh and the house i wanted to buy 10years ago now it will cost 80-90Lakh and inflation will eat everything See if you want to invest money realesate(property) is bestest option you have ever and even Safest My friends father also took a property of 7Lakh 10 years ago recently he sold it for 42Lakh rupees And by taking loan will even get the Tax benefits

But purchasing house in 20's is good idea because house price are increasing.

Ladki nahi milthi shadi ke liye agar khudka ghar nahi ho 😭😭

This doesn’t apply if you’re not living in India. In the West, particularly Canada your EMI is almost equal to the rent you pay or sometimes the rent is more than the EMI for same house, that’s the reason people buy houses here.

Well well paying rent is just throwing money away... If you give emi at the end you end up owning a home. While in rent you end up with nothing

I did it that when I was 27 too a big house and paying emi . Nothing remaining to invest .

I beg to differ respectfully. Don’t buy a primary home in your 20s. Buy an investment home and rent it out! Then cash out refi or get a HELOC and get your second property and rent it out again. Rinse and repeat. The earlier you start, the better!!!

First two reasons I knew, bt not 3rd one. Thanks man

Time is money. You can buy home at 40s and live your life till 70s. But you will never get your days back. Playing with your kids at your own home. Seeing them ruining the wall. Marking their height every year on the wall.

Bhai k bhot saare Flats Khali honge Tbahi Kiraye pe Chadhane k liye Video Pell di😂🤣

Even if you move to a different city, you can always earn rent from the house you bought, thus effectively cancelling/reducing your EMIs.

Buy your house in 20s so u can sell it in ur 40s and the price of property will be double tripple and u can sell it and buy where u want.

IN Bangalore - 2/3 BHK flat rent is around 30-40K minimum if living in society.

Ankur is wrong at many levels. House is a necessity. Rent isn't cheap. And even if you could go for cheap rent, the money you save and invest wont make you a millionaire or extremely rich. Stock markets and most investments are subjected to market risks. Once you retire you will need money for your old age and health expenses more than anything. Live in your present and dont be greedy about your future. If you don't buy a house when you are young, you will be on the roads when you get old. Because indirectly you are investing in an asset that is for lifetime. Apart from ankur and some stupid youtubers nobody will invest in mutual funds and stocks and not purchase a house. Even top businessmen have big houses and many apartments as investment. They dont live in cowsheds and keep investing money. If you truly want to make money you will need to work hard and get a post in a company or do some business and work hard so it becomes successful.

Sad reality is ankur pays his home loan emi😅

Best is to buy in mid 40's or after retirement

I think people should buy a house before they are 45. After 45, you are having kind of a far-sighted vision.

You said the theory😂.....but practically there are other factors to consider in the equation..... Society Pressure Index, Wedding Market Depreciation ratio, Amma and Appa pride index and importantly sharmaji ka betta comparative ratio😂, which makes the RHS of the equation convergent to set of {get a job, build a home, buy a car, marry a girl, have babies}

I say don't buy if you are not planning to stay in it. Doesn't make sense to buy and rent ot to others

Sir, Everyone I saw a video or Short about buying or renting. Somehow I don't Agree. My Story, I booked my House in 2017 for 45 Lakhs in Pune, when I was earning 35K and paying 20K EMI. It was easily manageable as I was Bachelor that Time. Time past, in 2018 In switch to 60% Hike, and went to Australia. I got the Position of my Flat in 2020(before pandemic) and got married after 6 months(Aug 2020) and now living happily with my Wife and parents. My Flat value has been appreciated by 5-6 Lakhs now as Metro is building in my area now. So what I think there is no good time to Buy a house, its more of getting a deal and we have to be more futuristic, since House is a long term Investment. Thanks for your guidance so far. Please keep the good work :)

What A Joke...Kabhi aao Chandigarh pta lg jayega kitna rent hai 😂

You advise as if you are the six sigma perfectionist in this world

Buy the house from debt and rent it out and pay the debt with the rent money.

Understood the first 2 points not to buy. But did not understand the rationale behind the third point. If we invest the difference amount of EMI and rent but only for 5-10 years a sufficient corpus cannot be generated in this time frame. And we would still need to pay EMIs of full amount after those 10 years which instead went to rent. And if we get a loan with EMI = rent then there is nothing left to invest.

Mere khyal se house kharidna ni chahiye banana chahiye jameen thodi badhi size ki lo ..thoda out of city jao...aur chhota sa ghr bna lo jyada loan k burden naa lo..baki 5 saal me rent se thoda hi jyada hoga emi, kam se kam pani me ni jayega payega 5 saalo k..uske baad toh suggest koya hi gya hai ankur bhai dwara

Paying emi is better than paying rent

Hello Sir, thank you for informative videos on personal finance. 👍 Can you pls post detailed video on how married couples should plan their finances ? Like they must contribute to household exp, can they have joint saving or some portion in individual saving, when they can start thinking about buying house. Waiting for your video😊

Buy one after the value increases just sell it and get a smaller one if wanted

Also Don't buy home in your 10's 🤣🤣❤️💞💕

And one more thing imagine you get an opportunity to invite in something big which will provide 2x return but you can't because you gotta pay your emi every month

Amazing video sir Ankur Warikoo I am really grateful for it 😊☺️🙂🙏🏻

Paisa hai toh karidenge na😂

My relative took a loan and bought a flat they have to pay emi for 20 year's and at the end the house will be theirs sounds nice but imagine paying all that money to get a 20 year old house rather than investing all that money for 20 year's and getting better returns

Disclaimer: These things don't apply for a bank 🏦 employee like myself 😅

But then don't we have the 11 months contract everywhere... And we'll have to shift houses and otherwise increase the rent by 10% every year. Also by 20 Years later price of houses will also go high... Can you please elaborate on this analysis about figures by which prices are increasing vs how much interest can we get from investments

Even I used to think the same till I was living in pg homes where I changed as many as 12 times.......now i have moved to a rented place that cost me same amount as pg but it is far......if I'd taken on rent at same places my pg was it would have costed me double....... I would like to live in same place I lived in pg......but than i would prefer to pay emi than rent as the house would still be mine...😅

10 years after the price touch skies 🌌 ..either you increase your income or forget about buying house ..simple

100 reasons to not buy a house when you are 10.

Buy at the earliest and sell when not needed. You can buy new home when you know what you want.

Each and every statement of this video is very true sir All your words are like eye openers and makes a lot of sense, meaning to people like us who are new to the latest environment world

Ghar nahi hoga toh shaadi hi nahi hogi

Sir I don't think ki 20 ki age m ghar nhi Lena chahiye mujhe lagta h ki jo room rent hm 5-10 saal dege use emi m kr le to jis ghar m rh rhe h o ghar 5-10 saal baad hamara hoga , aap ka kya kahana h mere is sochh par

Humare yaha ladko ki shadi hi nai hoti agar Ghar na ho toh ! Sad reality

Purchasing a house in the early 20s or 30s or 40s depends from case to case.... It's similar to marrying & then having kids... If you get a good package in 20s then start saving and definitely invest in buying your own house. Reason: the early you start, you will not have much commitments then you can repay fast and finish it up quite early as rent in Mumbai is too high and everyone can't afford it plus get taxation benefit. I bought a house in Mumbai when I was 29 and by 34 I was able to clear all my loan & from 35 I am financially independent staying in my own house with my own terms and conditions. Now still the game is not over I will work harder and try to upgrade my existing house in 40s if required.

Apun to gaon mai apna chota sa ghar banayega... Shanti se rahega khulle mai nature ke sath😌.... Or paise se gaon ka vikash karega.

Property rates will also rise as our money in 10 years

Sir, lot ad coming to my way but at 40 just decided to enjoy my rest if life becoz i feel I already followed all your thout

Yes buying landlords tantrum for less money 😂😂😂

Jhanjat nahi chahiye mota bhaay. Ghar le leneka. Tension free aram se rehne ka.

Everything can't be justified with logic. Desire/dream bhi koi cheez hoti hai. Waise kuch sapne time pe pure nahi hote toh bhi bahut dukh hota hai

Kuch bhi kaho lekin jab rishta dekhne jate hai tab wo puchte he ki ghar ka ghar hai ya nahi 😭😭🙂

"Thousands reason you will never buy a house 🏠 in yours 20s"

After 5-10 years the real estate price will also be blown up.tabhi bhi you will find your salary less. So jabhi bhi acha Ghar mile, Emi pay kar sako itni salary ho lelo. And start paying HL as early as possible.

But sir point is that Price of residental property is rapidly increasing day by day....so in hand calculation does not seem like you ar saying

The main reason to buy a house is, to have a peace of mind, at an early age and sadi mai ladki walai ghar dekhtai hai :)

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 ?!

What about Rishtedar ? Woh toh ye kahenge kiraye ke bade Ghar me rehta hai 😂

But the amount which I will be paying for the house rent can be used for my house EMI so this way I will be having a standard asset of my own which I can resell later on and I can get a hefty amount to buy some big space

I disagree with your 3rd point. Rental is not easy in big cities

I have a reason: My sugar daddy is buying me my own property for half a million.

Ye wahi log hain jo khud to apna ghar kharidte rahenge aur doosro ko ghar nahi kharidne ka gyan dete rahenge 😮 Something that works for one person might not work for other person too😊

After investment, when you want to buy home at that time prices will be to hight bro 👊

My Only moto is Till the age of 30 I will work harder and try to experience as much as I can and also try to save and invest and also try to build atleast 3-4 income stream so that in 30s If I don't have to work much harder. My Current age is 21 and 9 years are going to be my life changing years this is the new year resolution I have taken.

Not true in Hyderabad. Rents are sky high

I should have watch these kind of info before purchasing house..

The most important reason to buy a home as early as possible is because your salary will not be appreciated at the same rate as the property value.

Par Pehle ghar khareedney se shaadi honey mein easy hota Hein.

I made the same mistake and I feel this is very much true

Kis generation mai ho aap jo rental cheap hai...

But the money I was about to pay for EMI will now be going in rent.....but still after 5-10 yrs that house will not be my own and I can be thrown out anytime

Rent is very high these days

Thank you very much sir for the Most Valuable Advice.

Bade Ghar me raho yaa chote me raho Ghar to Ghar hai or jitna hum ghar ka rent de rahe hai utna EMI hi ho jaye to 5 saal me ghar aapka ho jayega sir ji think about it or fir 5 year baad ghar ki value bhi badegi to aap wo ghar bech ke uska bada Ghar le lo jaha chahiye

Buy as early as possible, if u need to change house, sale the existing house

I agree to disagree with you, Ankur. Real estate appreciates in value because land prices in Indian top tier cities is increasing. Those who can afford to buy in their 20s should buy land or homes. You can rent it out later or sell it if needed.

जब मजबूरियां और विपत्ति आती है ना सब करना पढ़ जाता है सर 😢

Where did u gained this knowledge from? McDonald's or kfc

sir gajjab information

I just read somewhere, buying a house in your 20's if beneficiary as you will have a constant source of income to repay the amount before you retire,45 years me 20-25 saal ka loan loge toh kaise doge?

2 reason why I need to buy house at 19, privacy nd working environment

But property prices keep going up all the time. Aise to 5 saal bad bhi affordable nahi hoga.

Aapke advice achhe hote hai... 😊

Sir Rental costs are too much everywhere,Better to take a house than rent,But first two points are right.

My investment of house at 24 has tripled in 10 years