Buy vs rent
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Method and sources
Pre-tax matched-horizon comparison. The renter invests the buyer's down payment, registration, interiors and other entry costs after any broker fee and refundable security deposit. Each month, the renter adds the owner's housing outflow less rent; a shortfall reduces investments and then becomes arrears. Mortgage, monthly property tax/insurance, and monthly maintenance are separate owner costs; property appreciation is modelled monthly and rent rises on each anniversary. Home-loan and HRA tax benefits are excluded until a dated eligibility model is approved. Selling costs, capital-gains tax and lender charges are excluded. This is not a recommendation.
Illustrative pre-tax comparison only. Home-loan and HRA tax effects, selling costs, capital-gains tax and lender charges are excluded. Not a recommendation.