For salaried professionals in India’s metros, the debate between renting a house and purchasing one with a home loan is both financial and emotional. Renting is often seen as flexible, with lower upfront commitments, while buying promises long-term stability and asset creation. With rents rising sharply across prime neighbourhoods, however, the question of “rent vs. buy” is becoming more pressing for young households. Advertisement

Consider the situation of a 31-year-old professional in Bommanahalli, Bengaluru. Married with a toddler, he currently rents a 3BHK flat (1,550 sq. ft.) in a gated society for Rs 40,000 a month, including maintenance. His landlord, based overseas, has now offered to sell the property for ₹92 lakh.

With a combined household income of Rs 4 lakh per month (Rs 2.7

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