Rent Or Buy a House In Your 20's? - What Is Better? | Ft. Real Estate Developer

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Rent Or Buy a House In Your 20's? - What Is Better? | Ft. Real Estate Developer | Raj Shamani Clips

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Күн бұрын

🎞️ 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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Пікірлер: 70

@bunnyman_5454 4 ай бұрын

People keep arguing RENT is better than BUY. They cry when they dont get house for RENT in Bangalore.😆😆😆😆

@JaywN0t37XGQQbwFjN 4 ай бұрын

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.

@itachiuchiha8279 2 ай бұрын

Sahi baat...❤ i think app amit sangwan ji ko follow kare ho 😊

@mayankyadav7 11 күн бұрын

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.

@kunalanand4408 4 ай бұрын

Bro.. Bank wont give you money for FD. For city like blore, rental yield is 5-6 percnt.

@kalpkumudkumar8163 4 ай бұрын

No … its not now 3bhk cost around 2.2 cr roughly max rent currently 55-65k for 3bhk

@bunnyman_5454 4 ай бұрын

Forget about rental yield TOLET availability is a big thing.

@rabindranayak1190 2 ай бұрын

@@bunnyman_5454Lots of flats available in sobha dream acer, brigade uthopia. Flat owner crying, not getting tenant.

@mahajanarun1968 6 күн бұрын

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)

@marketfunda767 4 ай бұрын

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

@voracious8889 4 ай бұрын

And what if you give that house on rent? You will get capital appreciation and rent income both at the same time🤡

@marketfunda767 4 ай бұрын

@@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 %

@vavaiyabandish1530 Ай бұрын

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.

@PramitBiswas 25 күн бұрын

Buying home to stay is not an asset, it is a liability.

@nerisalobo 17 күн бұрын

It is an asset only. A home is always an asset

@akashdobhal3054 4 ай бұрын

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.

@MarketVisionHub 4 ай бұрын

Rental yield is always calculated at the current market price, you are calculating at buy price

@ashish4451 2 ай бұрын

@@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

@MarketVisionHub 2 ай бұрын

@@ashish4451 it doesn't matter it's relevant to u or not

@abhijitkhopkar1500 Ай бұрын

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.

@Milkyway248-p4h 2 ай бұрын

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

@enigma7080 4 ай бұрын

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.

@joshuab3280 11 күн бұрын

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 ?!

@Narasimha_Reddy8977 4 ай бұрын

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 ✔️

@anuragrajasingh 2 ай бұрын

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?

@tapanvariya4710 4 ай бұрын

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.

@anubhavsharma3896 10 күн бұрын

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.😂😂😂

@baazarkibaatein 3 ай бұрын

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.

@abhijitkhopkar1500 Ай бұрын

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.

@marketfunda767 4 ай бұрын

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

@abhijitkhopkar1500 Ай бұрын

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.

@gaurav.anirbandutta 19 күн бұрын

1:55 Is Rental Yield really only 2% (Average) in Mumbai?

@Shobhitjainacca 4 ай бұрын

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

@dm5665 4 ай бұрын

Rental yield 2% what about appreciation of property 5-6%. + Mental peace.

@sauravsikhwal2073 4 ай бұрын

Not 2 percent bhai around 3 to 4

@dm5665 4 ай бұрын

@@sauravsikhwal2073 yes possible in some cities.

@MoneyMinded... 4 ай бұрын

rent ya fir buy krna konsa better hai guys apke hisabse bataye pls

@Pratyush2 4 ай бұрын

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

@Srini306 4 ай бұрын

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.

@trstrscit 18 күн бұрын

Builders will get to 90 pc easily within a year

@changingtangents 4 ай бұрын

Other instrument investors ultimately buy some real estates from real estate investors. Agree?

@madhavendrasingh4816 Ай бұрын

house is not an asset. you do not sell it.

@vinayreddy1904 4 ай бұрын

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.

@abhijitkhopkar1500 Ай бұрын

He is talking of an under construction apartment with construction linked payment plan. you don't pay all the money upfront.

@mayankyadav7 11 күн бұрын

80 lakh ka interest 4 saal m 10 lakh iska mtlb 3.125 percent ka home loan?

@rajeevkri123 4 ай бұрын

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

@abhijitkhopkar1500 Ай бұрын

Exactly, they want our money but they don't want us.

@rajeevkri123 Ай бұрын

@@abhijitkhopkar1500 yes

@rajeevkri123 Ай бұрын

@@abhijitkhopkar1500 congress can kick outsiders anytime

@abhijitkhopkar1500 Ай бұрын

@@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.

@rajeevkri123 Ай бұрын

@@abhijitkhopkar1500 they will make it like Kolkata

@aquibmubeen1840 Ай бұрын

Ghra kharidny sa kiraya bachta ha magar Ghar ki value nahen badhti har area ma

@nkjadaun 14 күн бұрын

इनका केवल उद्देश्य वीडियो बनाना होता है उसके अलावा इनको कुछ नहीं पता

@moneshkankane1951 4 ай бұрын

Bhai Mumbai me 2% rental yield wala dila do plz 😂😂😂😂

@bunnyman_5454 4 ай бұрын

😆😆😆

@SaravananChandraSekaran-us8jq 3 ай бұрын

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

@vishusgh 4 ай бұрын

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.

@sourav5991 4 ай бұрын

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