Home Loan: Buy or Rent? Analyzing Benefits as Interest Rates Drop

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Home Loan vs. Rent: Is Buying a House Still Beneficial After Interest Rate Cuts?

बैंकों ने होम लोन के इंटरेस्ट रेट्स घटाए हैं। इससे घर खरीदने में लोगों की दिलचस्पी बढ़ी है।

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Moneycontrol•21-02-2026, 19:46

Home Loan vs. Rent: Is Buying a House Still Beneficial After Interest Rate Cuts?

•RBI's interest rate cuts have lowered home loan rates, increasing interest in homeownership.
•Post-COVID, house prices in big cities have surged, making homeownership challenging for many.
•Buying a home involves long-term EMI liability (15-20 years) but builds an asset and offers tax benefits.
•Renting offers financial flexibility, no maintenance worries, and is ideal for those with transferable jobs.
•Experts note that rent increases haven't matched house price hikes, making it hard to cover EMI with rental income.

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