India mein ek common sawaal hai: “Ghar kharidna chahiye ya kiraye pe rehna?”

Main bhi isi confusion se guzra hoon. Decision lena sirf numbers ka game nahi hai—it’s also about aapki lifestyle, goals aur priorities.

Yahaan, main aapko apni story share karunga jab maine decide kiya ki Mumbai mein rent aur buy ke beech kya sahi hai mere liye.

India mein ye Debate Kyu Zaruri Hai?

India ka housing market alag hai. Yahaan ka price-to-income ratio kaafi high hai. Internationally, ye ratio 3–4 hota hai, par India mein ye 10 ya usse zyada hai.

Jaise, Mumbai mein ek theek-thaak flat ki cost ₹1 crore ho sakti hai, jabki average annual income ₹10 lakh ke aas-paas hoti hai—matlab ratio 10 ka hai.

Jab maine ye numbers dekhe, toh lagta tha ki rent karna better option hai, especially jab Mumbai mein real estate itna mehenga hai. Lekin, maine realize kiya ki sirf financial aspect dekhna kaafi nahi hai.

Ek Zaruri Baat

Maine dekha hai ki kai log jo kehte hain “rent better hai” unke paas already bade ghar ya bungalows hote hain. Toh, blindly unka follow mat kariye. Apni circumstances ke hisaab se decision lijiye.

Mera Renting Experience

Renting ke fayde hain, par kuch problems bhi hoti hain:

1. Landlord ki Restrictions: Mujhe aise landlords mile jo rules banate the—“No pets” ya “Guests allowed sirf 10 baje tak.”
2. Stability ki Kami: Har saal landlord rent badha dete hain ya ghar bechne ka decide kar lete hain.
3. Customization Nahi Kar Sakte: Main apne ghar ko redesign karna chahta tha, par kiraye ke ghar mein ye option nahi hota.
4. Har Saal Rent Increase Hota Hai: Jab maine rent pe rehna shuru kiya, toh mera rent ₹30,000 per month tha. 5 saal mein, wo ₹42,000 ho gaya—har saal 7% ka increase. Agar maine us time home loan liya hota, toh EMI ₹50,000 hoti aur wahi fixed rehti.

Maine Ghar Kyun Kharida

Ek point ke baad, maine decide kiya ki ghar kharidna sahi hai mere liye:

1. Emotional Security: Apna ghar hone ka ek alag comfort hai. Mujhe ye lagta hai ki ab koi mujhe ghar se nikal nahi sakta.
2. Freedom to Customize: Ab main apne ghar ki walls paint kar sakta hoon, kitchen renovate kar sakta hoon.
3. Long-term Investment: Mumbai jaise shehron mein property ek asset hai jo time ke saath value badhata hai.
4. Fixed EMI vs Rising Rent: Mera home loan EMI fixed hai, jo long-term planning easy banata hai. Rent toh har saal badhta hi hai.

Jab Rent Karna Better Hai

Yeh kuch situations hain jab rent karna better lagta hai:

• Agar aap prime location (South Mumbai ya Bandra) mein rehna chahte hain aur kharidna mushkil hai.
• Agar aapki job ya lifestyle kaafi mobile hai.
• Agar aap zyada down payment save karna chahte hain.

Maine Apna Decision Kaise Liya?

Maine ye calculations ki:

1. Rent-to-Price Ratio: Maine similar ghar ka annual rent property price se divide kiya. Agar ratio 3% ke neeche ho, toh buying better lagti hai.
2. EMI Affordability: Maine ensure kiya ki meri monthly EMI mere income ke 40% se zyada na ho.

Cultural Pressure vs Financial Reality

India mein apna ghar hona ek milestone maana jaata hai. Mujh par bhi pressure tha jaldi ghar kharidne ka.

Lekin agar maine sirf cultural expectations ke base par decision liya hota, toh shayad galat decision leta.

Final Takeaway: Buy ya Rent?

Mere liye Mumbai mein ghar kharidna sahi decision tha, par ye sabke liye nahi ho sakta. Aapki needs, finances aur goals alag ho sakte hain.

Agar aap unsure hain, toh sochiye:

• Stability chahiye ya flexibility?
• Kya aap home loan ka commitment le sakte hain?
• Kya apna ghar aapke long-term goals se match karta hai?

Jo bhi decision lijiye, woh aapke liye best hona chahiye.