WealthChecker

Home Loan Prepay Karein Ya Invest? Real Maths Se Jaano Sahi Jawab By WealthChecker Team   |  Loans & Investment  |  10 min read Tumhare paas ₹5 lakh spare hain. Home loan chal raha hai 8.5% interest par. Ek dost bolta hai "loan jaldi khatam karo, tension free ho jao." Doosra bolta hai "SIP mein daalo, market mein zyada return milega." Dono confident hain. Dono ke paas logic hai. Aur zyadatar log actual maths kabhi nahi karte — sirf gut feeling se decide kar lete hain. 2026 Ka Framework: Sahi jawab feelings se nahi, do numbers compare karke aata hai — tumhara after-tax effective loan rate vs tumhara after-tax expected investment return . Jo zyada hai, uski taraf jaana chahiye. Pehle Samjho — "After-Tax" Kyun Important Hai Sirf loan ka interest rate dekh ke decide karna galti hai. Kyunki home loan par tax benefit milta hai (Section 24b ke under), tumhara actual (effective) cost uske displayed rate se kam hota hai. Real Example — Number Se Samjho Maan...

Ghar Kharidna Chahiye Ya Rent Par Rehna? By wealthchecker Team | Real Estate | 8 min read Yeh India ka sabse bada financial debate hai. "Apna ghar hona chahiye" — family pressure, society pressure sab hai. Par financially kya sahi hai? Real Calculation — Mumbai Example ₹1 Crore ka flat. ₹20 lakh down payment. ₹80 lakh ka home loan at 8.5% for 20 years. Factor Amount Monthly EMI ~₹69,500 Total interest paid ~₹87 lakh Total amount paid ~₹1.87 crore Market rent same area ~₹25,000-35,000/month Opportunity Cost:  ₹20 lakh down payment ko 12% return par invest karo + EMI aur rent ka difference invest karo — 20 saal mein kaafi zyada banta hai. Kab Kharidna Sahi Hai? Kharidna better hai jab: Ek jagah 5-7+ saal rehna pakka ho, down payment 20-30% ho, EMI income ke 35% se kam ho, aur emotional/family reasons strong hon. Kab Rent Better Hai? Rent better hai jab: Job ki wajah se city change ho sakta ho, good investment alternatives available hon, ya property prices overvalued lagte hon. ...