Rent vs EMI
- 08 August, 2025
- By Admin: admin
- Comments: 00
Aaj kal har koi chahta hai ki uska apna ek ghar ho. Lekin aksar hum rent pe rehna continue kar dete hain, kyunki lagta hai ki ghar kharidne ke liye bahut badi saving chahiye. Truth ye hai ki jo paisa aap rent ke roop mein har mahine dete ho, wahi paisa aapko apna ghar dilwa sakta hai — bas usse EMI mein convert karna hoga.
Rent vs EMI: Difference
Rent
- Har mahine ₹15,000 – ₹30,000 tak landlord ko payment.
- Ye paisa aapke future mein kuch value add nahi karta.
- Har 11 mahine ke baad rent agreement renew hota hai aur rent badhta hai.
- Ghar aapke control mein nahi hota, kabhi bhi landlord ghar khali karne ko keh sakta hai.
EMI
- Jo paisa aap dete ho, wo aapke apne property ki value banata hai.
- Loan complete hote hi ghar 100% aapka ho jaata hai.
- Har saal aapko Home Loan par Income Tax benefits milte hain (Section 80C & 24B).
- Property ki value badhne ke sath aapko ek asset + investment return milta hai.
Practical Example: Rent vs EMI
�� Maan lijiye aap Chattarpur ya Sultanpur mein 2 BHK flat dekh rahe ho.
- Rent: ₹20,000 / month = ₹2.4 Lakh ek saal mein.
- 10 saal tak rent dene ka matlab hai ₹24 Lakh waste ho jana bina ownership ke.
- EMI: Agar aap ₹40 Lakh ka flat lete ho aur loan lete ho 80% (₹32 Lakh), to EMI around ₹22,000 – ₹25,000 banegi (depending on bank & interest rate).
- 15–20 saal mein loan clear hone ke baad aapke paas ek 40–60 Lakh ki property hogi jo future mein aur bhi appreciate karegi.
Matlab jo paisa aap rent pe waste kar rahe ho, wahi aapke ghar ki EMI ban kar ek permanent asset create kar sakta hai.
Why Converting Rent into EMI is Smart
- Apna Ghar, Apna Control – Landlord ki restrictions aur eviction ka dar khatam.
- Tax Benefits – Har saal ₹1.5 Lakh principal aur ₹2 Lakh tak interest par tax deduction milta hai.
- Wealth Creation – Property ki value time ke sath increase hoti hai (specially South Delhi mein 20–30% tak 5–7 years mein).
- Stability & Security – Apne family ke liye permanent shelter, jo rent se kabhi nahi milta.
- Customization – Apna ghar apne taste ke hisaab se design karne ki freedom.
South Delhi – Best Option for Rent to EMI Conversion
South Delhi mein aapko 1 BHK – 4 BHK tak ke options easily mil jaate hain:
- Affordable Flats – Chattarpur, Sultanpur, Mandi
- Mid-Segment Flats – Jaunapur, Rajpur, Manchanda, Chandan Hula
- Luxury Flats & Builder Floors – Vasant Kunj
Aur sabse badi baat – yahan par registry + loan facility available hai. Matlab aap asaani se apna rent ko EMI mein convert kar sakte ho.
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Hamari team aapke saath step-by-step rahegi, from property visit to registry. Sirf verified flats ke saath, hum ensure karte hain ki aapka paisa safe aur investment secure rahe.
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