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Over your time horizon, which leaves you wealthier — buying, or renting and investing the difference?
An educational model. Buying nets home value (grown by appreciation) minus the remaining loan; renting invests the down payment plus the monthly amount the buyer spends above rent, at your assumed return. It ignores stamp duty, registration, brokerage, tax benefits, and the non-financial value of owning a home — change the assumptions to fit your situation.
Use the EMI calculator to see the monthly cost and prepayment impact.