Rental Yield Calculator — Property Se Kitni Kamai
Ek flat ₹50 lakh ka hai aur kiraya ₹15,000 mahina milta hai. Ye achha sauda hai ya nahi? Neeche property ki keemat aur mahine ka kiraya daaliye — jawab ek number me mil jayega.
Yield ka matlab kya hai
₹50 lakh ki property, ₹15,000 mahina kiraya:
- Saal ka kiraya = 15,000 × 12 = ₹1,80,000
- Yield = 1,80,000 ÷ 50,00,000 × 100 = 3.6%
Iska seedha matlab — us property me lage ₹50 lakh, aapko har saal 3.6% de rahe hain. Wahi paisa FD me hota to 6.5-7% deta.
Ye number chaunkata hai. Aur chaunkna chahiye — kyunki property lene wale aksar sirf "keemat badhegi" sochte hain, kiraye ka hisaab lagate hi nahi.
Asli yield isse bhi kam hoti hai
Upar wala hisaab gross yield hai. Asli (net) yield nikaalne ke liye kharche ghatane padte hain:
- Maintenance — society ka mahina kharcha, jo aksar maalik deta hai
- Property tax — saalana
- Marammat — paint, nal, geyser, seepage. Har 2-3 saal me ek bada kharcha aata hai
- Khaali mahine — saal me 1-2 mahine flat khaali rehna aam baat hai. Ye seedha 8-16% kiraya kaat deta hai
- Broker — naya kirayedaar dhoondhne par aksar ek mahine ka kiraya
- Kiraye par tax — aapki aay me judta hai (30% standard deduction ke baad)
Ye property ke khilaaf baat nahi hai. Ye sirf ye batane ke liye hai ki property ki kamai kiraye se nahi, keemat badhne se aati hai. Aur keemat badhne ka koi waada nahi hota — wo ilaake, samay aur kismat par nirbhar hai.
Yield se kya faisla lena chahiye
Ye ek number kai bade faisle saaf kar deta hai:
1. Kharidun ya kiraye par rahun?
Agar yield 3% hai, matlab kiraya property ki keemat ka sirf 3% saalana hai. Aur home loan ka byaj 8.5% hai. Yaani kiraye par rehna saste me pad raha hai — agar aap bacha hua paisa sach me nivesh karein. Poori tulna Buy vs Rent Guide me hai.
2. Kaunsi property lun?
Do flat ek jaisi keemat ke hain — jiska yield zyada hai wo behtar hai, kyunki wahan kiraya maang zyada hai. Aur jahan kiraya maang zyada hai, wahan bechna bhi aasaan hota hai.
3. Kya property nivesh ke liye sahi hai?
Agar sirf kamai chahiye to 2-3% yield achhi baat nahi hai. Par property me do aur cheezein hain jo number me nahi dikhti — loan par tax me chhoot, aur keemat badhne ka mauka. In dono ko jodkar dekhna chahiye.
Yield badhane ke tarike
Agar property pehle se hai, to yield badhane ke kuch practical raste hain:
- Furnished karke dijiye. Bed, almari, AC, fridge lagane se kiraya 20-30% tak badh sakta hai, aur lagat 1-2 saal me nikal aati hai. Naye sheher me kaam karne wale furnished hi dhoondhte hain.
- Khaali mahine kam kariye. Purana kirayedaar jaane se ek mahina pehle dhoondhna shuru kariye. Ek bacha hua khaali mahina, kiraya 8% badhane ke barabar hai.
- Achhe kirayedaar ko rokiye. Har saal 10% badhane ki zid me achha kirayedaar chala jaye — to ek khaali mahina, broker fee aur marammat milakar nuksan zyada hota hai. Thoda kam badhaiye par bane rehne dijiye.
- Agreement zaroor banaiye — 11 mahine ka, likhit. Ye kanooni surakshaa hai aur kiraye ki aay dikhane me bhi kaam aata hai.
- Kirayedaar ka police verification — kai rajyon me zaroori hai, aur aapki hi surakshaa ke liye hai.
Kirayedaar ho to HRA claim aur rent receipt ka poora tarika is guide me hai. Property bechne par tax ka hisaab Capital Gain Tax Calculator me.
Aksar pooche jaane wale sawaal
Bharat me rental yield kitna hota hai?
Ghar aur flat me aam taur par 2-4%. Bade sheher me aur kam, chhote sheher me thoda zyada. Commercial property me 6-9% par risk bhi zyada.
Gross aur net yield me kya farak hai?
Gross me sirf kiraya gina jaata hai. Net me maintenance, property tax, marammat, khaali mahine aur tax ghata diye jaate hain — aur wo aksar gross se 1-1.5% kam hota hai.
Yield kam hai to property nahi leni chahiye?
Sirf kiraye ki kamai ke liye lena aam taur par theek nahi. Par khud rehne ke liye, ya keemat badhne ke bharose lena alag baat hai — us par yield ka hisaab laagu nahi hota.
Furnished dene se yield badhta hai?
Haan, kiraya 20-30% tak badh sakta hai aur furniture ki lagat 1-2 saal me nikal aati hai. Naukri wale sheher me ye zyada kaam karta hai.