Property & loan details
Property value₹1,00,00,000
₹
Down payment %20%
Home loan rate (% p.a.)8.5%
Loan tenure (years)20 yrs
Expected property appreciation (% p.a.)7%
Mutual fund CAGR (% p.a.)12%
Monthly rent (if you don't buy)₹25,000
₹
Buy scenario — net wealth
—
After loan tenure
Rent + invest — net wealth
—
After same period
Detailed comparison
Down payment—
Monthly EMI (buy scenario)—
Total outflow — buy (EMI + down payment)—
Total outflow — rent + invest—
Property value at end—
MF corpus at end (rent scenario)—
Verdict—
PropIQ perspective
This model uses simplified assumptions. Real outcomes depend on tax efficiency, maintenance costs (~1% p.a. of property value), rental escalation, MF exit load/tax. The 12% MF CAGR is a long-term equity assumption — actual returns vary. Home ownership has non-financial benefits this calculator cannot model.