[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]  CA Nitin Kaushik [@Finance_Bareek](/creator/twitter/Finance_Bareek) on x 4665 followers Created: 2025-07-23 06:50:58 UTC 🚨Buying a House Could Cost You ₹9 Crores! Think Before You Lock In Your Future🚨 Everyone says “Real estate is the best investment” but is it really true when you’re buying a home to live in? Let’s break it down with real numbers and no fluff👇 🏠 Scenario: You buy a house worth ₹79.55 Lakhs 💸 Option 1: Buy the House • Down payment: ₹15.91L (20%) • Home loan: ₹63.64L at XXX% interest (typical rate in 2024) • EMI: ₹54,000/month approx for XX years • Total outflow over XX years = ₹1.29 Cr+ 📈 Option 2: Rent & Invest Instead Let’s say you choose to rent and invest instead of buying: 🔹 Invest ₹79.55L as a lumpsum 🔹 Plus, invest ₹54,000/month (same as EMI) via SIP for XX years 🔹 Assume a conservative return of XX% CAGR (even though Nifty XX has averaged 14–15% historically) Your investments grow to: 💰 Lumpsum: ₹7.67 Crores 💰 SIP: ₹9.05 Crores 📊 Total Wealth in XX Years: ₹16.72 Crores Now think again… 🧠 ⚠️ Before you jump to conclusions — a few caveats: 👉 This is a consumption property, not a rental or resale investment 👉 Rent increases annually; market volatility exists 👉 Owning comes with maintenance, property tax, society charges 👉 Interest rates can vary over XX years 👉 Real estate appreciates too—but not always as much as you think 💡So, should you rent or buy? It’s not a one-size-fits-all answer. But: ✅ In your 20s/30s, liquidity & high-risk appetite often matter more ✅ Locking up XX% of your wealth in an illiquid asset limits flexibility ✅ Don’t buy a home just to tick a box — buy it when you’re truly ready to stay Be smart. Don’t let Instagram reels decide your future 💥 #stockmarketscrash #finance #nifty #investingtips XXX engagements  **Related Topics** [buy a](/topic/buy-a) [home loans](/topic/home-loans) [investment](/topic/investment) [coins real estate](/topic/coins-real-estate) [Post Link](https://x.com/Finance_Bareek/status/1947912303439188034)
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CA Nitin Kaushik @Finance_Bareek on x 4665 followers
Created: 2025-07-23 06:50:58 UTC
🚨Buying a House Could Cost You ₹9 Crores! Think Before You Lock In Your Future🚨
Everyone says “Real estate is the best investment” but is it really true when you’re buying a home to live in?
Let’s break it down with real numbers and no fluff👇
🏠 Scenario: You buy a house worth ₹79.55 Lakhs
💸 Option 1: Buy the House • Down payment: ₹15.91L (20%) • Home loan: ₹63.64L at XXX% interest (typical rate in 2024) • EMI: ₹54,000/month approx for XX years • Total outflow over XX years = ₹1.29 Cr+
📈 Option 2: Rent & Invest Instead
Let’s say you choose to rent and invest instead of buying:
🔹 Invest ₹79.55L as a lumpsum 🔹 Plus, invest ₹54,000/month (same as EMI) via SIP for XX years 🔹 Assume a conservative return of XX% CAGR (even though Nifty XX has averaged 14–15% historically)
Your investments grow to:
💰 Lumpsum: ₹7.67 Crores 💰 SIP: ₹9.05 Crores 📊 Total Wealth in XX Years: ₹16.72 Crores
Now think again… 🧠
⚠️ Before you jump to conclusions — a few caveats:
👉 This is a consumption property, not a rental or resale investment 👉 Rent increases annually; market volatility exists 👉 Owning comes with maintenance, property tax, society charges 👉 Interest rates can vary over XX years 👉 Real estate appreciates too—but not always as much as you think
💡So, should you rent or buy?
It’s not a one-size-fits-all answer. But:
✅ In your 20s/30s, liquidity & high-risk appetite often matter more ✅ Locking up XX% of your wealth in an illiquid asset limits flexibility ✅ Don’t buy a home just to tick a box — buy it when you’re truly ready to stay
Be smart. Don’t let Instagram reels decide your future 💥
#stockmarketscrash #finance #nifty #investingtips
XXX engagements
Related Topics buy a home loans investment coins real estate