Rent vs Buy Knowledge Base: Guides for Indian Homebuyers

No EMI Till Possession: What a Subvention Scheme Actually Costs in India (2026)

A developer offering to pay your interest until possession is absorbing ₹8,91,083 on an ₹85 lakh flat. If the scheme raises the price by more than 5.28%, you are paying more than the interest you avoided, and the loan is still yours.

2 September 2026

Possession Delay in India (2026): What Every Extra Year Actually Costs

A year of delay on an ₹85 lakh under-construction flat costs ₹10,31,496 in rent and pre-EMI, and eats ₹3,85,667 of the discount that made you buy it. The price of waiting rises every year you wait.

29 August 2026

Paying Rent and Pre-EMI Together in India (2026): What the Construction Window Costs

Book an under-construction flat and you pay rent on the home you live in and interest on the home you do not, for three years. On an ₹85 lakh flat that overlap comes to ₹20,89,787, and none of it repays a rupee of principal.

25 August 2026

Under-Construction vs Ready-to-Move in India (2026): What the Wait Actually Costs

Under-construction flats sell 10% to 20% below ready ones. On a ₹1 crore flat, three years of rent, pre-EMI, and GST cost about 5.1% of the price. Here is the arithmetic, and what the rest of the discount is paying for.

22 August 2026

Should You Prepay Your Home Loan or Invest the Money? (India, 2026)

A ₹5 lakh prepayment on a ₹64 lakh loan saves ₹13.08 lakh of interest and 33 months of EMI. Investing the same money beats it above a 8.57% return. The break-even, worked in full.

16 August 2026

Rent Escalation in India: What a 10% Annual Clause Actually Costs You

Indian leases escalate rent 5% to 10% a year. At 10% your rent doubles in 7.3 years; at 5% it takes 14.2. Over a decade the difference on a ₹30,000 rent is ₹12.09 lakh. The arithmetic, and what to negotiate.

14 August 2026

Security Deposits for Rented Homes in India (2026): City Norms and What You Get Back

Deposits run two to three months of rent in most Indian cities and up to ten in Bengaluru. What the Model Tenancy Act caps, what the money costs you while it sits there, and how to get it back.

12 August 2026

What Renting Actually Costs in India (2026): The Full Ten-Year Bill

Rent is the headline, not the bill. Brokerage, deposits withheld, moving, re-furnishing, and 8% annual escalation added ₹11.9 lakh to a decade of renting in our worked example. Here is the full arithmetic.

10 August 2026

Gross vs Net Rental Yield in India: What a 3% Flat Actually Earns

A ₹80 lakh flat let at ₹20,000 shows a gross yield of 3.00% and a net yield of 1.96%. Where the missing 1.04 percentage points go, worked out cost by cost.

8 August 2026

Minimum Down Payment for a Home Loan in India (2026): The Real Number

The minimum home-loan down payment in India is 10–25% under RBI rules, but the real cash you need is higher once charges are added. Bank norms, the true figure, and why financing it is risky.

5 August 2026

How Much Home Can You Afford in India? A Salary-to-Home-Price Guide (2026)

On a ₹1 lakh net salary you can afford a home of roughly ₹65 lakh in 2026. Here's how FOIR, RBI loan-to-value limits, and your down payment set the number, with a worked example.

3 August 2026

Rental Yields in India's Tier-2 Cities 2026: Where Rent Beats the Metros

Tier-2 cities like Indore, Jaipur, and Coimbatore offer gross rental yields of 4–6% in 2026, above the metros. City data, why the yields are higher, and what it means for renting or buying.

1 August 2026

What Counts as a Good Rental Yield in India? (And Why It's Lower Than You Expect)

A good residential rental yield in India is around 3–4% gross, below a fixed deposit. Here's what the number means, how gross and net differ, and what a low yield tells you about renting or buying.

30 July 2026

We Have Reset the Starting Numbers on Every Calculator

Every calculator now opens on the same ₹80 lakh metro flat, and every uncertain figure is the middle of a published range rather than a number tuned to produce an answer.

30 July 2026

Mumbai Rent and Rental Yields 2026: Average Rent by Area

Average 2BHK rent in Mumbai runs ₹24,000 in Thane to over ₹60,000 in Andheri in 2026, at gross yields of 2–4%. Area-by-area rent and yield data, and what it means for renting or buying.

28 July 2026

Bangalore Rental Yields 2026: Area-by-Area Data and What They Mean

Rental yields in Bangalore run 3–4% in 2026, higher in pockets like HSR Layout. Area-by-area rent and yield data for Whitefield, Koramangala, and more, and what it means for renting or buying.

26 July 2026

Delhi NCR Rental Yields 2026: Gurgaon, Noida, and Delhi Compared

Delhi reads highest of the metros at ~5.8% on median stock, while premium Gurgaon and Noida corridors run 3–4.5% in 2026. Area-by-area rent and yield data, and what it means for renting or buying.

25 July 2026

Average Rental Yield for Residential Property in India (2026): City-by-City Data

Residential rental yields in India run 2–4% in most metros in 2026. See city-by-city figures for Mumbai, Bengaluru, Delhi, and more, plus what they mean for renting or buying.

23 July 2026

Rent vs Buy India, Rebuilt: A New Calculator, a Smarter Comparison Period, and More Accurate Numbers

We have rebuilt Rent vs Buy India from the ground up: a new Property Investment Calculator, a flexible comparison period, a reworked Excel model, and corrected calculations.

21 July 2026

Down Payment for Home Loan in India: How Much to Save & Smart Strategies

Learn how much down payment you need for a home loan in India, RBI LTV guidelines, and proven strategies to save faster for your first home purchase.

28 November 2025

The Retirement Trap Nobody's Talking About: Why Rising Rents Might Force You to Reconsider Homeownership | RentVsBuyIndia.com

How ₹30,000 monthly rent becomes ₹240,000 in 30 years. Explore the compound growth trap of renting vs fixed EMI costs and why homeownership may be crucial for retirement security in India.

22 September 2025

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