EMI VS RENTING- KYA SAHI HAI

10 October, 2025
By Admin: admin
Comments: 00

EMI VS RENTING- KYA SAHI HAI. Aj kal har koi chahta hai ki uska apna ek ghar ho — ek aisi jagah jahan apni marzi ka decor ho, apna comfort ho, aur sabse zaruri — apni ownership ho.
Lekin aksar hum rent pe rehna continue kar dete hain, kyunki lagta hai ki ghar kharidne ke liye bahut badi saving chahiye

Rent Ke Cons

Paisa Sirf Kharch Hota Hai
Har mahine jo rent dete ho, vo aapke liye invest nahi hota. Matlab long-term me paisa sirf disappear ho raha hai.
Ghar Ka Ownership Nahi Milta
Rent par rehkar aap kabhi bhi apna ghar ka owner nahi banenge. Aap hamesha kisi aur ke property me rahenge.
Rent Hamesha Badh Sakta Hai
Har saal rent badh sakta hai, especially metro cities me. Ye financial planning ko mushkil banata hai.
Relocation Tension
Landlord change ya lease renewal ki tension hoti hai. Agar job shift ho jaye, turant ghar dhundna padta hai.
Personalization Ka Limitation
Apne taste ke hisab se ghar modify karna mushkil hai, painting aur renovation usually allowed nahi hot

EMI Ke Benefits

1. Long-Term Investment

Har EMI ka part aapke ghar me invest hota hai. Matlab aaj jo paisa aap de rahe ho, vo future me aapke asset me convert ho raha hai. Rent me paisa sirf kharch hota hai, EMI me paisa apne asset me invest ho raha hai.

2. Apna Ghar Ka Ownership

20-25 saal me EMI complete karne ke baad, ghar 100% aapka ho jata hai. Rent me ye kabhi possible nahi hai.

3. Property Value Appreciation

Agar property ki value badhti hai, toh aapko profit bhi mil sakta hai. Matlab sirf ghar hi nahi, aapka paisa bhi grow karta hai.

4. Tax Benefits

Home loan par tax deductions milte hain under Section 80C aur Section 24(b). Ye rent me nahi milte.

5. Discipline & Planning

EMI regular payment se financial discipline develop hota hai. Ye savings aur budgeting ka best way hai.

EMI Ko Smartly Manage Karne Ke Tips

Affordable EMI Choose Karein: Apni income ka 30-40% se zyada EMI na lein.
Prepayment Option Use Karein: Jab extra paisa ho, prepayment se interest kam hoga.
Loan Tenure Balance Karein: Zyada lamba tenure EMI ko kam karta hai, lekin total interest badh jata hai.
Property Location & Value: Investment ke liye best location aur potential value growth ko consider karein.

EMI Pe Ghar Lena: Smart Choice

EMI ke through ghar lena long-term me smart investment hai:

Ownership: EMI complete karte hi ghar aapka ho jata hai.
Investment Growth: Property value badhne par aapko profit bhi milta hai.
Tax Benefits: Home loan par 80C aur 24(b) ke under tax deduction milta hai.
Financial Discipline: EMI regular payment se budgeting aur savings habits develop hoti ha

Conclusion

EMI pe ghar lena long-term me smarter choice hai agar aap financially stable ho aur apna asset chahte ho. Rent me short-term comfort hai, lekin long-term me paisa sirf kharch hota hai.

Site visit, booking aur loan guidance ke liye contact karein
Phone: 987107424, 742877424

EMI VS RENTING- KYA SAHI HAI