The dilemma of Renting vs Buying a Home in India is a common one. Whether to Rent or Buy a house considering the financial aspect can be answered with the simplified 4% rule.
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Time Stamps:
00:00 – Intro
01:43 – Rent or Buy Costs
02:29 – Non-Recoverable Cost of Renting
02:47 – Non-Recoverable Cost of Buying a House
04:02 – Cost of Capital
05:57 – Nominal Cost of Capital & Capital Appreciation
08:17 – The 4% Rule
09:06 – Example of Delhi
09:59 – Example of Chennai
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About the Video:
Almost everyone goes through these questions once in his/her lifetime of asking ourselves “should I buy or rent a home”, “is renting a waste of money that is making me financially more and more deprived” and “what are the renting vs buying pros and cons”? Of course, we have already covered most of these questions in detail in our other video, but in today’s world where people need super-fast and quick solutions to their problems, we have brought this 4% rule video, (our adaptation of 5% rule) to provide a 2-minute calculation to your questions.
Home ownership in India has not only financial aspects but also emotional aspects to it. People weigh their decisions based on qualitative as well as quantitative aspects or renting vs buying a home. A lot of consideration goes into the ultimate decision of owning a house or renting one. However, there is no hard and fast rule or one such metric that could be a deciding factor for anyone and everyone. The ultimate answer to buy or rent or rent or own is subjective to each and every individual. However, to make the whole calculation behind the decision a little simpler, we have brought to you our 4 % thumb rule of Asset Yogi on whether to rent or buy a house.
In this video, we have explained:
1. The universal dilemma of rent vs buy home.
2. When to rent?
3. How much is the cost of capital for renting a home?
4. How much is the cost of capital for buying a house?
5. How to decide when to rent and when to buy a home?
6. Should I rent or buy?
7. What is Nominal Cost of Capital?
8. How to adjust Inflation and Capital Appreciation?
9. What is 5% Rule?
10. What is 4% Rule?
11. Is it better to rent in India or buy?
12. Rent a home or buy, what to do?
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