Financial advisor Lovish Anand argues that buying a home in high-cost Indian cities like Mumbai and Delhi-NCR requires over 30 years to break even, making renting a more financially viable option.
Real EstateProperty InvestmentFinancial AdviceRental YieldsBreakeven PeriodReal Estate MumbaiJun 18, 2025
Financial advisor Lovish Anand argues that buying a home in high-cost cities like Mumbai and Delhi-NCR requires over 30 years to break even, making it a slow financial return compared to renting.
Rental yields are crucial because they indicate the financial return on investment. In cities with low rental yields (below 2%), buying a home is less financially viable compared to renting.
Cities such as Bengaluru, Hyderabad, Thane, Kolkata, and Chennai are more favorable for property investment due to higher rental yields (exceeding 4%) and shorter breakeven periods (3 to 8 years).
Anand advises potential homeowners to critically assess the financial implications, run the numbers, know the breakeven period, and think long term before making a decision to buy or rent.
Anand notes that the emotional appeal of homeownership often overshadows the stark financial realities, emphasizing that real estate decisions should be based on math rather than emotions.
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