Homeownership vs. Renting: The Math Has Changed in 25 Years. Which is More Profitable?

• The financial landscape for homeownership has drastically shifted over 25 years, making the rent vs. buy decision complex.
• Early 2000s favored buying due to similar EMIs and rents, easier loans, and property as a wealth builder.
• Post-2008, property prices in metros like Delhi-NCR surged, widening the gap between high EMIs and lower rents.
• A 1 crore home loan can lead to paying nearly double the principal in interest over 20-30 years, while rental yields remain low (3.5-5%).
• Experts advise buying only if staying 7-10 years, keeping EMI below 25-30% of salary, and having an emergency fund.

Why It Matters: The decision to rent or buy a home now requires careful financial calculation, not just emotion.