Amid rising property prices and rent across Indian cities in different proportions, prospective property buyers are mostly in a bind on whether to buy a house via home loan or pay rent. However, the decision to rent a home versus pay an Equated Monthly Installment (EMI) for a home loan is a personal one that depends on an individual's financial stability, long-term goals, job mobility, and market conditions. Renting offers flexibility and lower upfront costs, while paying an EMI on a home loan helps build equity and provides long-term stability and asset creation. Advertisement

Experts increasingly stress that the rent versus buy question is more about individual "cash flow debate" considerations than purely about real estate ownership. They argue that if the monthly EMI significantly e

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