Buy or Rent ? The FINAL ANSWER.

Рет қаралды 626,147

Күн бұрын

Are you trying to decide between buying or renting a house? You're not alone! This is a common dilemma faced by many people. However, with the rise of social media influencers, it's important to be wary of half-knowledge when it comes to real estate advice.
In this video, we'll dive into the pros and cons of buying vs renting a home and dispel some of the common myths perpetuated by influencers.
Don't fall for half-truths and misinformation. Watch this video to get the full picture of whether buying or renting a house is right for you and how real estate also can be a solid investment option for your financial future.
Watch this video to know how Real Estate prices are rising - • How Corruption is Infl...
00:00 - Introduction
01:26 - How did it all start?
03:19 - Truth nobody tells you about buying a house
04:55 - Right time to buy a House
06:48 - Buy a house in less than 10 years!
08:02 - Reason you can’t buy a house by investing in stocks
09:41 - How can you earn money by taking a Loan?
12:11 - Watch this before you invest your money
14:45 - My Capital Allocation strategy!
15:47 - Conclusion
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Пікірлер: 1 700

@Write2pranab Жыл бұрын

My experience I was in rented accommodation for 8 years 3+3+2 yrs at three different flats. Most problematic was shifting. I had no problem but I had to shift because owner wanted to sell it. Then I purchased the flat where I was in rent. Didn't have money for downpayment, so took 100% loan. Now my ~40% salary goes to EMI, a bit financially stressed. This is a 15 yrs old flat and after 20yrs loan period it's resell value will be nothing. But still I don't regret it. This is not an investment but I have bought peace of mind, I don't have to shift, my wife can hang a fancy wall clock wherever she wants, can install an AC and needn't take any permission to make an hole in the wall.

@sandeepsatsangi1191 Жыл бұрын

Well said.

@rishirakh1 Жыл бұрын

Even then after apartment will go for redevelopment, will give you returns..

@rahul_arora1 Жыл бұрын

Can you let me know how you took 100% loan? I thought you need 20% down payment.

@MillionaireMindcryptolover Жыл бұрын

Great video sir

@caesar_cipher Жыл бұрын

With every EMI you gain a little bit more equity and ownership of house. Thats a great peace of mind which money can literally buy )) But if you have extra income like bonus or some other gains in the next few years, consider repaying a substantial portion of the principal component of loan. Then your emi will reduce - and wishing you salary also increases a lot more, best

@Gandhilgvg Жыл бұрын

I bought the house 7 years back and now am loan free and blessed ! Home is important

@AnkitKumar-kk3iw Жыл бұрын

1 bhk?

@nabajitbharali2052 Жыл бұрын

That’s because you are lucky

@amreshhalder5056 Жыл бұрын

Kitna kamate ho bhai?

@vipskul Жыл бұрын

3bhk... Let both partners earn and enjoy life... Come out of traditional Indian couple concept where only husband will work...

@stephenwilson4931 Жыл бұрын

@@amreshhalder5056 1 lakh per month is minimum limit to live properly in a tier 1 city...

@sergiopawson 11 ай бұрын

To keep up with rising cost we are beginning to see the equity of our home for what it truly is, Its becoming hard for us seniors not to ask the obvious question: Should we cash in, invest the money, and rent?

@PurvisTwiggs 11 ай бұрын

Very true, people downplay planners role, until burnt by their mistakes. I remember just after my layoff early 2020 amidst covid outbreak, I needed to stay afloat, hence researched for license-fiduciary advsors.

@PurvisTwiggs 11 ай бұрын

Thankfully, I came across someone of practical knowledge, and decades of experience, I liquidated 200k of 325k from my 401(k) it has yielded nearly 1 m after subsequent investments so far.

@sergiopawson 11 ай бұрын

@Purvis can I get a referral pls?

@PurvisTwiggs 11 ай бұрын

LOREN LENA WALKER is the CFP responsible for my portfolio success, lady is in her 60s 0r 70s and has a private client base you can confirm her yourself on the internet, regulation an all.

@sergiopawson 11 ай бұрын

@@PurvisTwiggs I did some findings on her, she really seem to know her stuff. educational background, qualifications was really impressive. Kudos and thanks for sharing. I left her a note and booked a consult.

@olgageorgsen9654 Жыл бұрын

With markets tumbling, inflation soaring, the Fed imposing large interest-rate hike, while treasury yields are rising rapidly-which means more red ink for portfolios this quarter. How can I profit from the current volatile market, I'm still at a crossroads deciding if to liquidate my $125k bond/stock portfolio

@mildred8313 Жыл бұрын

Would you mind recommending a specialist with a variety of investment options? This is extremely rare, and I eagerly await your response.

@user-dl4rr5qs8y Жыл бұрын

Yuval Eric Brokman..

@user-dl4rr5qs8y Жыл бұрын

search his full name.

@olgageorgsen9654 Жыл бұрын

I looked him up, and his credentials and resume are excellent, so I can see why he's booked up. Nonetheless, I scheduled a consultation with him

@mildred8313 Жыл бұрын

@@user-dl4rr5qs8y Thanks for sharing,found him on the internet.

@lachitdutta1703 Жыл бұрын

One more thing people forget is that every year salary increases around 8-10%, which brings down the EMI-Salary %. After 10 years the EMI becomes very small compared to salary. Whereas the Salary-Rent % remains somewhat constant.

@cuckoonut1208 Жыл бұрын

Increase 8-10% a year? Which company is this?

@amreshhalder5056 Жыл бұрын

Really?? Your company gives 10% hike every year?? Can you please name it?

@sagarchaudhari9281 Жыл бұрын

Apple

@harshadfadadu9269 Жыл бұрын

And u forgot to mention Every year repo rate is getting increased in same way Within an 1.5 year it is 9% from 6.5 % * approx....

@shivanshsingh7614 Жыл бұрын

@@harshadfadadu9269lmfao repo rate goes down too

@SanjeevPrasad Жыл бұрын

Rent/Buy depends on your life partner ❤

@yeeeeeyy Жыл бұрын

Stay single 💪🏼

@tanishr2878 Жыл бұрын

@@yeeeeeyy Kab tak single rahega .virgin hi Marege kya 🤣

@parijatttt.exe. Жыл бұрын

@@yeeeeeyy everyone says this until they fall for someone lol

@SanjeevPrasad Жыл бұрын

@@yeeeeeyy Kuch saal aur, then you will also feel the importance of your partner ❤️

@James-Bond-007_ Жыл бұрын

@@parijatttt.exe. this shows that you are very weak and fall easily for someone

@rahulraj148 Жыл бұрын

*Bought a home few years back with a emi of 24k. Constructed 2 shops in front with rental yield of 8000. Given the upper portion on rent on 4000. 50% of emi is coming from home itself. Your first property should be a house & second one would be commercial. Always calculate the return before buying 🙏*

@InvestAajForKal Жыл бұрын

Perfect video 👍🏻 Totally agree

@CJCJCJ967 Жыл бұрын

Arre sir sir sir aap bhi pranjal kamra ki videos dekhte hai 😂

@IndianBoy77 Жыл бұрын

Nakli comment koe paisa nahi Dene wala 🤣🤣👍

@missrooney4649 Жыл бұрын

Honesty and Simplicity is a new "cool" bcoz of you Pranjal😊

@rowoflamps Жыл бұрын

I have never seen person as much as true as you are sir . I can't explain in word how much you are helping people's lives ❤

@ayushrawat6767 Жыл бұрын

Fax 💯

@007_Sun_Tzu Жыл бұрын

Kuch nai bhai .. pehle isne bhi stock lo...rent pe raho bola hai...ab gulati marlia.... Although I respect him, but sach se nazare nahi ferni chaiye

@ashishchaturvedi5041 Жыл бұрын

भाई प्रांजल जी 25 लाख का डाउन पेमेंट भी तो स्टॉक में रिटर्न के लिए इन्वेस्ट करेंगे ना और मेंटेनेंस भी तो इन्वेस्ट करेंगे ना तो वह भी 10 साल में ढाई करोड़ हो जाएगा थैंक्स भाई अगर बुरा ना लगे तो

@AbhishekRawat-we3vn Жыл бұрын

Sorry guys but this video is copycat of Mr Amit Sangwan video...just see his videos you will forget all influencers

@007_Sun_Tzu Жыл бұрын

@@ashishchaturvedi5041 bhai to 25 lakh downpayment wala Ghar bhi to 10 saal bad rate me double hojaega...2.5cr jo aj h uska 1/3 rahega 10 saal me

@curiousindori Жыл бұрын

I personally feel that buying and renting simultaneously is the right option. Buy where you estimate that the best capital appreciation can happen and rent where and how you might want to live. If someone is lucky, they might overlap and they will save a ton of transaction cost and gain significant freedom. The major benefit of splitting these into two is that the options of properties you can buy increases greatly. For ex - I prefer to stay near my current office, where capital appreciation might not be great but I can buy a flat in my home town where possibilities of capital appreciation are much better.

@yourtechdestination6412 Жыл бұрын

Best finance video I have seen in a long time. Thanks Pranjal for your research and simplifying things for everyone. Cheers to your honesty!!

@factzfactory4956 Жыл бұрын

My dad had bought a house for 4.5 lac in 2004 when i was born and today it's price is more than 35-40 lac. I belive in real estate

@vaibhavrayewar9159 Жыл бұрын

That means 11% returns 🎉

@maheshv3546 Жыл бұрын

@@vaibhavrayewar9159 exactly.

@stayhealthy9125 Жыл бұрын

@@vaibhavrayewar9159 i bought house in 2014 at 12 lakh and sell @ 8.5 lakh in 2022 😢😢😢 700+ people's in aur colony sale at hugg loss

@NilayChoudhury Жыл бұрын

@@stayhealthy9125here in my town property value has increased 400-500% within the same period 😮

@hypertheorytech2578 Жыл бұрын

@@stayhealthy9125 location

@pranitgandhi6832 Жыл бұрын

Thank you Pranjal! This video was really helpful for me as I had purchased my new home a year back, was going through the home loan documentation process, and each day after watching these so called financial influencer's opinions, I used to self-doubt my decision to buy real estate. This video gave me a lot of clarity.

@engineerexpress1955 5 ай бұрын

Same..I also used to second guess my decision of buy a house because of these fin influencers

@ankitjain1612 Жыл бұрын

one of the best content on rent vs buy i came across , very clear on the point and looking at both perspective !!! Truely we live in the house each n every day of our lives ( more imp after pandemic / wfh ) we basically get emotionally attached with house .

@pratikcganatra Жыл бұрын

You are doing commendable job brother. Such an easy explanation and you have not discounted any factor. This is what you call a holistic approach ❤👍👏

@akashdesarda502 Жыл бұрын

One of the most important non capital, non money related reason is that once you buy a home you can't easily move to other location & maybe hamper your growth. That's why I always says that buying a home makes much more sense after 35+ age when you know that you won't be moving to other location just like that.

@khayalo_Ka_Safarnama 7 ай бұрын

You can always rent your property & move anywhere in the world. With this rental income you can pay the rent wherever you are ☺️

@supriyaraje7173 Жыл бұрын

You have hit the cord about senior citizen members. Not only that they are not earning but the other aspect is about moving from one house to another because in Mumbai mostly the rented house is given for 11 months .. maximum 2 years. Longer duration is given only if the owner is in your relative (which is a rare case)

@Dr.Subhradeep Жыл бұрын

I'm grateful to you, sir.. you are really making people's lives hasslefree and sorted.. thanks from the core of my heart...❤

@prediator69 5 ай бұрын

I beg to differ a little.. whatever you said is partially right. While calculating the return on home, it is important to understand that it does not matter how much appreciation you get on your property, you cannot leverage it until that property is for investment purpose and you are not residing there. If you are living there, it could give you 10X return and it still wont matter. And you will spend almost your entire youth under the burden of emi and fear of job loss. Solution: Buy a piece of land in a remote area where land prices are extreemly low and keep staying in a rented apartment. You have to pay 1/3rd of the emi of a flat. And you could still save some money. After 15-20 years, build the home and live happily after retirement.

@thriver5664 Жыл бұрын

20% down payment + we save tax on home loan interest and principal + purchase ready to move property and save on rent also + consider inflation in property value Suppose home loan is 40L for 15 yrs then repayment will be 71L (40L principal + 31L interest) tax saving will be 60k per year so for 15 yrs = 9L rent if take 15k per month so for 15 yrs = 25 L property inflation 5% so inflation after 15 yrs for 50L property = 37 L 9L + 25 L + 37L comes 71L == Repayment Loan amount If these conditions are present then purchasing home would be better decision than renting and investing

@swarajkumardas5668 10 ай бұрын

A house should always be bought but one thing to keep in mind is to buy a house within your income capacity. When you sell the house it will also return your money

@SajalAgarwal300 Жыл бұрын

Nice video I live in metro city Noida Let me list some more minus points of buying a house 1. 70K Emi means your income should be 3 lakhs per month (if you give 25% of salary in emi) . This is not normal generally. 2. Loan will create burden on mind. Fear. 3. 20 - 25K emi mei Metro city mei 2 BHK bhi mushkil se ayega. 4. Liquidity gone if you invest in House and you spend like a kanjoos. 5. After 20 yrs house will be degraded and you want to buy a new house. 6. If you change your job location you can change your home location easily if you are on rent. 7. Flat appreciation is less.

@Maulana-Al-Bakrichod Жыл бұрын

Pranjal Sir ne yeh sab cover nahi kiya becuase he wanted to pacify his own mind for buying the new house :P

@rohitchoudhury1 Жыл бұрын

Bhai Pranjal hero banta hai. Isko khud thikse kuch nhn pata.

@Maulana-Al-Bakrichod Жыл бұрын

@@rukshitkalvadia3695 kya admi hai re tum! Pata nahi yeh reply sarcastic thha ya you were serious!

@Maulana-Al-Bakrichod Жыл бұрын

@@rukshitkalvadia3695 han re vidwaan admi, tum apne khayali duniya mai jio. From your reply I can say either you haven't purchased a house or you don't have regards to money and time = you are rich

@Maulana-Al-Bakrichod Жыл бұрын

@@rukshitkalvadia3695 Mujhe kisiko explanation dene ka jarurat nahi. Jidhar aur jab dena thha maine de diya. Jo paisa and time ki kadar nahi karta mai uski kadar nahi karta. One of the Great Greek Authors, Euripides ne kaha hai - " Talk Sense To A Fool and He Calls You Foolish". Ab aagey aap samajhdaar ho. 🤣Jao jee lo apni jindagi! Aur idhar time khoti matt karo.

@aadishgoel Жыл бұрын

Really appreciate you for this video, I got it so wrong earlier and when I realised this 1-2 year back, It was shocking and contrary to what many people were saying . also it is much more nuanced rents increase, salaries increase, people finish it early, leverage, economic activity etc. and you explained it well with simplicity at core.

@Shadabkhan-vf6vc Жыл бұрын

This is called honesty today I feel why I follow your channel since 2020 This type of honest video we want .... Sir please continue your stock market series you have only uploaded 2 videos please sir upload more vide please sir please..... Thank you for great video prangal kamra sir ................

@alokguptaY Жыл бұрын

Also deduct ~25K from your EMI expense while doing all these calculation because you are not going to live in road, anyway you need space to live in... Thanks for this detail video, this might have clear doubts for so many people

@ShubhamSharma-yq8kr Жыл бұрын

Your honesty and simplicity gives me cool vibes. Thank-you ❤

@akshaydoifode1097 Жыл бұрын

When someone says real estate don't consider flats in an apartment because after 20-25 years we start facing issues in buildings as it becomes old and its price won't increase unless and until it goes under redevelopment. If it dosent then it will become a liability for you and in most of the cases this happens. So think and invest.

@aarkay3514 Жыл бұрын

I had doubts. Now I've none. Thank you so much. This is the best video out there on Rent vs Buy...

@abhitreder Жыл бұрын

Hii sir ap mera bhi short dekhiye aur bataiye knowledge kaise hai 🙏

@rizwangohil6463 Жыл бұрын

Middle class family’s dream "Apna Ghar" means peace of mind.

@akashmohikar1918 Жыл бұрын

Complicated issue explained simply.. That's Pranjal for you!! Hats off!!

@BharatBang Жыл бұрын

Cost used to increase in last 70 years because only tier 1 cities were growing, people had lesser options to invest. But with the growth of satelite cities and other investment options peopl might not invest that much into properties. Also thing to note is that earlier inventory was less because of floor restriction. But now even tier 2 cities have 15 floor permission. Thane, a sub urb of Mumbai has 70 floor permission.

@pradipbarnwal4776 Жыл бұрын

Mr Pranjal, this is wonderful study you made on this issue, let's make another one in buying a Car vs Renting.

@shishirs2007 Жыл бұрын

If you have a good bunch of people around your rented place, It will make you feel home.. If your on flat's housing society people suck , You will feel like hell...it all depends on people around you.. Don't overstretch your buy/ rent budget..peace of mind is more important.

@religionofpeace782 Жыл бұрын

💯

@vishalkalantre6740 10 ай бұрын

The best video I ever watched on this topic. Thank you! 😊 recently bought a house and felt weird, tense when someone says you should rent the house. Why need to get stuck in emi. Finally gets relief 😊😊

@abhishekdutta6189 Жыл бұрын

I think buying a house at a very young age is stupid, cause you don't know how big a house would you actually need and how lavish would you want it to be down the line. In my opinion, one should buy a house at around 35-40. By this time I think your career starts to stabilize a lot too.

@vivekpratapsingh8182 Жыл бұрын

रियल एस्टेट एक ऐसा ऐसेट क्लास है जिसको आप रोज जीते हो ।। बहुत ही सुंदर लाइन ❤

@akashsamanekar1877 Жыл бұрын

Really a good video, changed my way of thinking on buying vs renting. Thank you

@saurabhdadhichi9503 Жыл бұрын

Superb way to explain what makes sense in few variables that no one considers - Rent appreciation yoy vs fixed loan payout, returns of money saved may not be sufficient to cover the cost of house in later years.

@deepshikha8180 Жыл бұрын

Finally a genuine video on Real estate vs Stock market. Thanks Pranjal for the video!! This is my favourite channel! ❤🎉

@BabitaSingh-ly6oz Жыл бұрын

Much needed content, thank you so much for clarifying 👏👏

@drkamalbhardwaj2786 Жыл бұрын

Really a very nice illustration sir …. Cleared a lot for a medical person like me 🙏🏻👍🏻

@durgarao1956 Жыл бұрын

I live in a rented house, which cost around 1 cr, and I pay 10 k per month. I think it is better to pay rent we get this kind of cool deals😊

@arshsingal65 Жыл бұрын

10k rent for 1 crore house? Where?

@durgarao1956 Жыл бұрын

@@arshsingal65 Hyderabad, gated community , independent villa, near ECIL

@religionofpeace782 Жыл бұрын

I have a 1.2 crore house but my tenant pays only 10k in Bhubaneswar. My father was a very saintly person who believed that he didn't keep tenants for his profit but to help them find a good home hence kept the rent low.

@yogeshsingla131 Жыл бұрын

Watching for the first time, coming from Sharan Hegde’s book. Great content! Not bullshit. Just clear information.

@AChannaChikkamath Жыл бұрын

Pranjal sir always thinks both logical and emotional. Keeps us on edge until last minute of his video. Luv ur insights sir ❤🎉🎉

@n1kh11 Жыл бұрын

Finally eye opening video for youth.. Thank You 👍🏻

@dharmraj92 Жыл бұрын

Man seriously, u have cleared my doubt so much thanks ❤❤

@rky2009 Жыл бұрын

Best video i have seen in real estate vs equity category, very informative, change the view and thought, thanks sir🙏

@abhijit222910 11 ай бұрын

This is simply awesome.. Thank you for the eye opening.. U have changed my entire perspective, I was so influenced by these influencers and staying on rent since ages... Thank you once again

@shubhsjbp Жыл бұрын

What a different perspective, this man is a gem

@SyedNazimAbbasKazmi 5 ай бұрын

Great video.. can confirm with my own experience.. most important when you own a house you have peace of mind (when you buy within your limits..)

@adi6183 Жыл бұрын

From where you got 11 percent returns. The problem in real estate is most returns happens beween 2 years before posession to next 4-5 years. After that you will stuggle to get even 5 percent return even after rental yield. So timing becomes very important in real estate.

@MrFunkynoel 2 ай бұрын

YES ! People think just cz their house value increased, they can gain that money by selling it. Selling property is very Difficult. Its easier to buy new flats than second hand flats. Likeyou said, the timing of the sale matters. 1-2 years after purchase is crucial and probablt best time to sell it.

@jijugokul3014 Жыл бұрын

Thank you so much for the clarity, Pranjal! Could you please help understand if health insurance is a good investment?

@abhishekjoshi8518 Жыл бұрын

Proper and to the point Analysis 👍👍🙏

@davidsamuel3530 9 ай бұрын

Great video, thanks for bringing and highlighting so many aspects of renting/buying a house.

@rakshithshetty3380 10 ай бұрын

Thanks for this amazing video. Accounting even the emotional value which is mostly ignored.

@utkarsh4028 Жыл бұрын

At the end of the day, it is found that listening and following the age old advices that we grow up hearing in our households from our elders was actually sensible. Holds true for finances as well as health and anything. Bade buzurgo ki suno. Fayda hi fayda. Hamesha maths aur science nahi dhundhna chahiye unki baaton m😊

@mithun070 Жыл бұрын

Thats an incorrect generalization.

@ROHITSAINI-bt5dy Жыл бұрын

@@mithun070 sahi bole unki baare sensible h pr hamesha sahi ho ye jruri nhi

@utkarsh4028 Жыл бұрын

@@mithun070 yes i agree it is incorrect but not completely bro. We need to accept the positives and then build, evolve on the existing knowledge.😉

@bharatbhatia7837 Жыл бұрын

bacho ki gareebi bade buzurgo se hi aayi h

@DriveWithVicky87 Жыл бұрын

Bade buzurg keh gaye hai ki loan kabhi mat lo. Paisa jama karo aur khud ka ghar lo 😂

@Dev_b Жыл бұрын

Pranjal sir video is so much informative, he says everything based on facts and truth not fancy words to impress others❤

@gsswifttraveller..7665 Жыл бұрын

Ur absolutely ryt .here most of the utubers favours rental accomodation over own accomodation using Excel sheet..u have mentioned many a factors which really shows the true picture..thx🙏😊

@prabpharm07 Жыл бұрын

Hi Pranjal, your honesty is remarkable and I wish I was contagious to other analysts as well. Lately I have been wondering, what should be the place of bonds (corporate, government, debt funds) in the portfolio of a person reaching in his 40s, has a moderate risk appetite. Can you please consider talking about bonds and their significance as an asset class?

@anandmehta6226 Жыл бұрын

Hi Pranjal, pls make similar video on buying second home / investment home v/s invest equivalent money in different mode of avenues. My wife is building pressure on me to go for a second home for investment purposes by getting peer pressure.

@balkrishnapal811 Жыл бұрын

Thanks Pranjal Ji. Its totally unbiased and amazing video. Keep it up and stay healthy.

@iqhirani861 8 ай бұрын

VERY INFORMATIVE… thanks for all updates

@amolpatil6698 9 ай бұрын

Very well explained. You just nailed it down. Thank you so much 🙏

@dibyajyotikoch2276 Жыл бұрын

I really appreciate your work, but i saw few wrong assumptions in this video: 1] Rent will increase 6-7% every year, but EMI will be constant for 20 years. Reality: Rent may or may not increase every year. It may remain constant for couple of years as well (happened with my case). You can bargain the rent increase and in case it doesn't suit you, you always have the option to change your house. On the other side, in 2022, the bank has increased the home loan interest rates multiple times from 6.5-7% to 9-9.5%. So in this case your EMI might have increased 2-3 times in a single year. 2] Real estate capital appreciation is 10-12% Reality: Your house's capital appreciation depends on multiple factors. But on average, based on multiple research, Real estate capital appreciation is 3-5%.

@Maulana-Al-Bakrichod Жыл бұрын

Pranjal has used this video to pacify and justify his deed of purchasing the house.

@wisecrackmelmoc2301 Жыл бұрын

Absolutely correct points stated . It is very easy to say emi thoda increase hota hai when int rates rises Reality is ppl who borrowed at 6.5% are finding it difficult to pay increased emi at 9% OR are witnessing their tenure go upto 80-85 years of age . Add to that uncertainty of economy and one will notice no job is safe . I’m not against buying or anything but making balderdash assumptions like 14% return in stocks and 12% in real estate will eventually justify anything u want to convey whixh is not a good approach . Buying and rent both have their own advantage and disadvantage . Each one should do their own due deligence and not base their decision on waht an influencer has to say

@wisecrackmelmoc2301 Жыл бұрын

@@Maulana-Al-Bakrichod I agree with you . And if that’s what keeps him happy then it’s alright . But making a video with pie in the sky assumptions to justify buying is better is just plan dumb

@Maulana-Al-Bakrichod Жыл бұрын

@@wisecrackmelmoc2301 The way he acted in the beginning, made me think he will seriously show some facts. But his analysis was all fancy and not researched properly.

@21sidd Жыл бұрын

One Should also research well before buying property then return might better than 10% in that case. Also, taking Home loan keep your financial discipline in place as you cant skip Emi 😊

@Priyatamkarn Жыл бұрын

Such a ground and real information with so much simplicity. Amazing sir and thanks 👍 😊

@shailendrabarde376 11 ай бұрын

Thank you! for guiding very well explained by you and really your video is very helpful and you are doing very good work. ❤

@vaibhavrana Жыл бұрын

I've worked in the biggest real estate company in India and nobody has explained decision of buying real estate better. Leverage and emotional fulfillment are the top two reasons to consider buying a house

@railcentral43 Жыл бұрын

Kyuki tu chu**.hai isliye tuje samjh nahi aaya😂😂😂😁😁😁😊😊😊😊

@NoBugNoFun Жыл бұрын

My opinion is built a good house in home town by spending 15-20 Lakhs then stay in rent at your working area. Once need a vacation comeback to hometown

@Maulana-Al-Bakrichod Жыл бұрын

Yes, this is the best option atleast in present time.

@kamleshpatel7184 10 ай бұрын

Thank God, I have my own 2 bhk in boriwali side (10 years emi pending n good raw house in my farm at native place ( importance lockdown ma samj aya )

@harshshah1129 Жыл бұрын

Amazing video ... Eye opener covering all the angles associated with home buying and renting

@kartikdubey8548 11 ай бұрын

The only video challenging the odds 😅 Bruh you are dope! Great insights

@DeepeshDeomurari 8 ай бұрын

@pranjalkamra you forgot to consider some aspects. First 15 years back I took 2BHK @ 13K rent, now 2BHK @26K not one lakh 1 Lakh rental after 20 years will depend on salary which don't seems to increase. So it cut down your point then you have to pay 1 Lakh. Now secondly, you shared real estate appreciation as 10% CAGR. But actually its near 6% CAGR. So 1 crore flat will not be 2.5 crore. Again if salary don't increase then it will never go out of reach. In rental also income tax saving happens. At retirement, you need not to live in so expensive city where flat costs 2.5 crore. You can easily take flat at 30-35 Lakh. Your PF itself will be like that. You somewhere mentioned 12% return on real estate? Wonder which logic is used.? Mumbai 6.7% CAGR, Delhi 5.25% CAGR. Don't consider tier 2,tier 3 cities. Flat rate is not 1 crore! So there is huge difference in data and calculations. Also you haven't considered what will happen if 20 years 70K EMI and my job is private and like today recession happen. Seems its biased towards your inclination on real estate.

@preetganatra4781 Жыл бұрын

Dude this is one video that everyone should watch. Especially the ones who get swayed by Sharan or Warikoo or whoever. We are lucky that we have someone like you who’s breaking the myths of attractive (but highly stupid) ideas proposed by other finfluencers.

@wisecrackmelmoc2301 Жыл бұрын

So did u buy a house based on this video ?

@amruthbhargav989 Жыл бұрын

Finally got a clarity about buying the house. Your videos are very informative, logical, practical and what not...... Also felt that, if your videos were in kannnada, which is my mother tounge, I was able to share it with my friends and relatives. Many of them won't understand Hindi. It would be very helpful if you could add subtitles, so that people who do not speak Hindi can understand the content.

@ravipandey29 Жыл бұрын

Very well said ....thanks alot.. Could you please make video on investment options apart from real estate.

@crazylinguist7758 Жыл бұрын

Pranjal, you are the best! I thoroughly enjoyed the way you explained and endorsed the idea of buying a house, especially the emotional angle that you touched upon. It was truly captivating and resonated with me on a personal level. Keep up the fantastic work!

@anikettiwari6885 Жыл бұрын

In Lucknow the real estate market is unnecessarily expensive and the worst part is the rent is lower and there are no software jobs. I don't understand why know one talks about it. Here buying a house of 2000 square feet house generally costs between 1.35 cr to 2.5cr and the average rent is 10000 to 15000 per month. If we even calculate rental yield it turns out to be 1 to 1.5% which is pathetic.

@top3hindi753 4 ай бұрын

There are generally 3 floors, so if you multiply the rent by 2.5 then it becomes 3% only

@BigThanQ Жыл бұрын

Bahut bahut dhanyvad,, mera sara confusion clear karne ke liye .. love this video ❤

@subhojitghosh6980 Жыл бұрын

This is one of the best video on this topics covering every aspect of this decision.

@sandyozh Жыл бұрын

Thanks for bringing the clarity ❤. The last point you have mentioned about buying Flats in metro's Vs buying house/land in T2 cites, can you do an analysis study. In my case i have one Apartment in bangalore city where i am staying. 2-3 years to finish my home loan EMI. Is it a good option to buy another Apartment. What will be the appreciation after 20 years. Inside the city the Apartment prices are sky rocketing

@avinashincredible Жыл бұрын

Home/flat is a good investment to live in it. If you are thinking of second property as investment you can consider commercial

@gajendrasinghthakur2026 Жыл бұрын

Hi Pranjal sir I always gain some extra knowledge watching your videos and started investing in stock because of you and getting more than average returns so thanks a lot for that . The one thing that most of the people miss on about home loan ( sorry to say but you also haven't given any clarification on that ) is getting defaulted on that loan amount as we can't predict our life for the next 20yrs of span for job security which we all learned from the covied situation and the SARFAESI act due to which will not just lose the capital invested but that beloved property as well so due to that I think that equity market has an edge in that matter with the help of stop loss n other tools we can have the entire control on the capital invested and as well as the liquidity benifit along with it as compared to the property with an home loan . This was just my perspective thought of letting you know . Once again thanks for spreading knowledge with each new video of yours. You will always be my guru in terms of financial knowledge.

@dm5665 Жыл бұрын

Buy term insurance to protect investment in case of death

@riajikbal5227 Жыл бұрын

very nice video sir please make a video on flat vs buying or building home

@skyridder8047 7 ай бұрын

sir you are the eye opener, I also influenced with rent policy rather opting home loan and oppose as well people who trying to purchase home with home loans

@RajeshAllem8256 Жыл бұрын

Good analysis. I have one query: the real estate appreciation on individual home/plot can increase multi fold. However, if someone is staying in an apartment and as the building gets old the appreciation will hit a level and will not yield greater appreciation as it gets older. Can you give your view point on this aspect.

@commercialvidhifirst2153 10 ай бұрын

Had same thought in mind. What about the depreciation in value of the real estate as it gets old...

@Santosh_Kumar72 Жыл бұрын

Totally agree with your advice bro thnku❤

@sushant996 4 ай бұрын

Few fools on insta are simply misguiding people by showing their biased opinion towards SIP, without considering a lot of important factors of both Homeloan & SIP. This video was perfect to clear the confusion. Thank you.

@sonaj0306 4 ай бұрын

By far the most sensible buy vs rent analysis!

@vijitnair2010 Жыл бұрын

There is one more thing considering Rent versus Purchase debate , their HRA option helps on tax saving on Rent ....

@thecrypticmystic28 Жыл бұрын

Yes when pranjal sir considered tax benefits on EMI, he should have included HRA option on Rent paid.

@Sun-gk8fc Жыл бұрын

One thing you are missing I think..the value of house goes up by 10% p.a and become double in 7 years. But actually, if I want to sell my house then I may not get the double price since my house is 10 years old and there will be depreciation. The double value is paid by customer only for a similar new house and not a 10 year old house.

@abhijeettalele3443 10 ай бұрын

no, People are also interested in Resale flats. Because they get bigger carpet area as compared to new matchbox sized homes. If you bought flat in good location then dont worry it wont depreciate.

@ravirajsagar3136 6 ай бұрын

People are interested in resale because they are available at cheaper rates than newer ones, so appreciation is on the new properties and not the older ones

@rohitbarun293 Жыл бұрын

Thank you for such amazing video..this was much need in the so called hyped social media pitches

@rakeshgupta4130 5 ай бұрын

Thanks Pranjal ❤

@akashpatial Жыл бұрын

what is completed here in this video ? you focused on buying a house. ( if everyone is going to the right then go left) conclusion : Buying or renting is totally depends upon the person who is earning and can assume his future so time and conditions will let you know when to do what. Hypothetical Story : One of my friends buy a house and after 5 - 6 years his company wants him to relocate to some other location now he is paying EMIs and rent both.

@sharadgupta Жыл бұрын

Same ... I think 😮

@rahima-hi7gu Жыл бұрын

He's getting rental yield also..

@azadjain8534 Жыл бұрын

@@rahima-hi7gu why to take extra burden on head

@akashpatial Жыл бұрын

@@rahima-hi7gu Renting house that you have bought for yourself is not an easy option. you always kept on thinking they are using your things. There are other type of people who bought house for renting they are not emotionally connected to that house. Hope you find my perspective valid 😊.

@rahima-hi7gu Жыл бұрын

@@azadjain8534 Nothing is free bro.

@RajeshSingh-ky2oq Жыл бұрын

You are still missing few points- When you buy a flat, there is building, place to live and ther is UDS. You should made a financial model of that building, considering it is depreciating and UDS which is appreciating. This modeling sometimes tells that old apartment is available at very cheap price, you can beat even MFs and Stock returns, if considered from investment point of view. Another point is, when you tell after 20yrs, you will live free, if bought, then also consider life of a house. It is from 40-70 years. So, extend your calculation till the age of house.

@vinayakchaudhari5213 Жыл бұрын

Thank You Sir for your Valuable guidance .

@arjunghadigaonkar4337 Жыл бұрын

great sir, i love you honesty. you are not compromising your ethics.

@empireofashu Жыл бұрын

An eye opener complete analysis, why should anyone gift a house for himself/herself. This video must be on top of views and likes on this topic... A great deal of Thanks to You🏘️🍇🍉🍈...