Ghar Kharidein Ya Kiraye Par Rahein — Hisaab
Ye Bharat ka sabse bada aur sabse bhavnaatmak faisla hai. Neeche ghar ki keemat, kiraya aur baaki number daaliye — dono taraf ka hisaab saamne aa jayega. Par asli jawab neeche wale hisse me hai.
Dono taraf ka poora kharcha
Khareedne par:
- Down payment (aur wo paisa ab kahin aur nahi lag raha)
- Har mahine EMI
- Stamp duty aur registration — ek baar, par bada
- Maintenance aur society charge
- Property tax
- Marammat — jo pehle makan malik karta tha
Kiraye par:
- Har mahine kiraya (jo har saal 5-10% badhta hai)
- Security deposit (jo wapas mil jaata hai)
- Baar-baar shifting ka kharcha aur pareshani
Bharat ka rental yield ye faisla kaafi saaf kar deta hai
Ek number hai jo is bahas ko lagbhag khatam kar deta hai — rental yield.
Bharat me ghar ka kiraya, uski keemat ka aam taur par sirf 2-3.5% saalana hota hai. Aur home loan ka byaj lagbhag 8.5-9%.
Usi ₹60 lakh par loan ka byaj lagbhag 8.5%.
Yaani rehne ke liye kiraya sasta padta hai — sirf paise ke hisaab se.
Par ye poora sach nahi hai, kyunki:
- Ghar ki keemat badhti hai — aur wo badhotari poori keemat par milti hai, sirf down payment par nahi
- Home loan par tax me chhoot milti hai (purane regime me), jo asli byaj kam kar deti hai
- EMI khatam ho jaati hai, kiraya kabhi nahi — 20 saal baad ek taraf kharcha zero, doosri taraf kiraya dugna
Apna hisaab Rental Yield Calculator me lagakar dekh lijiye. Agar yield 3% se neeche hai, to us ilaake me ghar mehnga hai.
Ye baatein number me nahi aati — par sabse zyada mayne rakhti hain
Khareedne ke haq me:
- Nishchintata. Makan malik kabhi khaali karne nahi kahega. Bacchon ka school nahi badlega.
- Apni marzi. Deewar par keel, rang, marammat — koi poochne wala nahi.
- Budhape ki surakshaa. 60 ki umr me kiraya bharna aur naya ghar dhoondhna sabse mushkil hota hai.
- Samaj aur parivaar — Bharat me apna ghar sirf sampatti nahi, ek pehchaan hai. Ise hisaab me se nikaal dena imaandaari nahi hogi.
Kiraye ke haq me:
- Naukri badalne ki azaadi. Ye sabse bada faayda hai, khaaskar shuruaati saalon me.
- Bade karze ka bojh nahi — 20 saal ki EMI ek bada bandhan hai.
- Paisa fansa nahi — zaroorat par nivesh se nikaala ja sakta hai, ghar se nahi.
- Marammat aur maintenance ka jhanjhat nahi
Seedha jawab — kab kya kariye
Kharidiye jab:
- Us sheher me kam se kam 7-10 saal rehne ka iraada ho. Isse kam me stamp duty aur registration ka kharcha hi nahi nikalta.
- Down payment 20% + registration ka paisa taiyaar ho, bina emergency fund tode
- EMI aay ke 40% ke andar rahe
- Naukri ya aay sthir ho
Kiraye par rahiye jab:
- Naukri ya sheher badalne ki sambhavna ho
- Down payment ke liye emergency fund todna pad raha ho
- EMI 40% se upar ja rahi ho
- Us ilaake ka rental yield 2% se bhi neeche ho — wahan ghar bahut mehnga hai
Poori tulna Buy vs Rent Guide me hai. EMI ka hisaab EMI Calculator me aur kitna loan milega ye Home Loan Eligibility me dekhiye.
Aksar pooche jaane wale sawaal
Ghar kharidna sasta hai ya kiraya?
Sirf paise ke hisaab se, Bharat me kiraya aksar sasta padta hai — kyunki rental yield 2-3.5% hai aur loan ka byaj 8.5%. Par ghar ki keemat badhna, tax chhoot aur nishchintata bhi jodni chahiye.
Kitne saal rehne wale hon to ghar kharidna chahiye?
Kam se kam 7-10 saal. Isse kam me stamp duty, registration aur shuruaati kharche hi nahi nikalte.
EMI aay ka kitna percent honi chahiye?
40% se zyada nahi — aur home loan ke liye 30-35% behtar hai, kyunki maintenance, property tax aur marammat alag se aate hain.
Down payment ke liye emergency fund tod dein?
Nahi. Ghar mil jayega par pehli musibat par aap credit card par honge. Down payment ke liye alag bachat kariye.