House : to invest or not to : A detailed analysis for you

[Deepa Nittala]

Hi , 

Buying a HOUSE , early or late , for living or investing is a BIG BIG decision !! In the recent past , I have received many queries asking me to assist with decisions related to buying a property . Since I work on numbers , the simplest thing I could do was to assume myself to be an investor , consider all the relevant parameters in case of certain pre-defined  situations and conclude my finding . After putting these numbers, I could get a lot of clarity on the concept and understand deeper implications of this decision . 

I have considered 4 scenarios 

• Buying a self occupied property on loan 
• Buying a property as investment ( letting it out) on loan
• Buying a self occupied or let out property on self funds ( not taking loan at all)
  
• Not buying a property at all and investing in financial asset . ( you can decide what return you want from the investment and analyse ) 

This is an attempt to provide an unbiased opinion . However , I may have missed out any critical points . Kindly go through the same and do let me know your opinion or findings . If this looks good , I could create an educative article on the topic and help spread the information to many . I am sure this is going to help you to in taking some critical decisions. We can also have a discussion over a meeting . 

Best regards

Deepa Nittala

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