Buying feels like building an asset; renting feels like money down the drain. The maths is more nuanced — opportunity cost on the down payment, appreciation and rent growth all matter.
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Buying: Down payment + total EMI + maintenance (1% p.a.) − property appreciation after 10 years.
Renting: Cumulative rent (growing at hike %) + opportunity cost on down payment (modelled as investment).
A simplified 10-year comparison. Actual outcomes depend on local market, credit score and real investment returns. See our full disclaimer.