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Source of the graph: https://www.rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=52152#:~:text=All%2DIndia%20HPI%20recorded%202.0,5.1%20per%20cent%20(Chennai).

Housing prices in Hyderabad goes against the trend

😂😂😂 great

Any specific reason for drop in returns?

Fully agree with this analysis.

I feel lucky that my parent bought 2 houses in Delhi NCR during there time, so now I don't have to put money to buy a house for myself.

i am one of your big fan but i strongly disagree & defer with the hard core stock market guys when it comes to their expenses……. life is not about reinvesting & reinvesting ….. & seeing his / her portfolio in 100 x / 200 x……. when it comes to emotion … its priceless… like owning house / car / gifts / lifestyle…. after that with left over money we can keep on betting…

Even though it sounds practical, rental agreements drafted these days are crazy , plus some owners scam you out of your deposit 😅😅.

Speaking from the middle class perspective, if you buy a house in a city, you're essentially tied to that location for the rest of your life. What if you want to move to another place with much better opportunities?

If you think of it as an investment, a basic house costs around 50 lakh and if you get your housing loan at a 'cheap' 6.55%, in the best case scenario you would be paying 32,000 a month as EMI to the Bank for 30 years to pay back the loan. So it takes you 30 long years to break even on your initial investment and convert your liability into an asset. This doesn't even include the additional investments like furnishing, renovation, painting, upkeep and maintenance required to make the house livable. Don't forget property tax either.

Better to pay 15,000 as rent to live in a good house near to your place of work and have the freedom to change houses whenever you want. Save up money and buy a better house in your small hometown at half the price and go back there when it's time to retire.

⬆️⬆️ Thank you for your comment…
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Wish some one told me back than

If the cyclical business nature of the real estate market is to be belived do you think real estate market will take an uptake (return wise) this decade?

waiting for this stupid builder banker criminal nexus of keeping high rates to be broken with a mega housing crash.

Most people who don't have even one home do not have 5 crores in the first place or anything close to that. Housing is not about returns it's about having a roof over your head if you lose your income. I understand taxes are there and it's expensive but when you pay rent you do not have an asset at the end of 15-20 years whereas even if you take a loan and pay it off it's finally yours.
It's annoying how so many finance youtubers talk about this without ever being in this position.

It may not makes sense financially, but practically it does makes sense. House owner may give you notice anytime to vacate the house, you have to pack up and move. If the house is owned by yourself this is not the case.

Hi Akshat,

Can you make a detailed video on this?

Just a cashflow analysis based on finance fundamentals will always suggest you to rent one, add the line item for aspirations and emotions in the business case for owning a house and see the results.

This is the first time I dont agree with you at all. The return depends on the place you are buying a house. You cannot generalise at all

Hi Akshat, But adjusted for inflation , the rental costs would increase by an average 10% and cumulatively by rule of 72 , in 7 years , the rent doubles and cumulates from there on and by 15 years , it would be 4 times of the rental , I guess its best to buy a house for own use and continue staying there.

I have a house, what should I do?

How to calculate CAGR for Land or house property

When this bubble will be burst?

If there are more sellers, shouldn't it be cheaper? (By supply and demand)

One has to buy first in order to rent. Isn’t it ? 😅

My consultant is Stephen Bernard halterbeck, I found him on a CNBC interview where he was featured and reached out to him afterwards.
He has been of immense help since then.

But then how do you save taxes ?

It can be a seller's market only when equal number of ppl are also buying

Would love to see video on Golden Visas

Can please make an elaborate video on this…pleaseeeee

सर कुछ न्यूज़ में बता रहे हैं कि चीन जल्दी ही ताइवान पर हमला करने जा रहा है ।इस न्यूज़ का इंडिया के मार्केट पर क्या असर होगा सर ..मार्केट16500 के नीचे तो नहीं जाएगा न ?

U have Missed the most important points that property market is the biggest safe heaven for black money

Paying rent 15000/- or paying emi 15000/-
In rent you don't earn anything after certain time (30 years) but in case of home loan you will get yourself a home.. (also there will be appreciation in house prices)
Correct me if I am wrong..

Thanks

Akshat, how would one know when the buyers market comes around? Are there any signs or indicators one should look out for?

I live in mumbai. Thinking of moving to new mumbai for better and bigger place plus lifestyle. My friend got a place with all the lifestyle features at 90l 5 years ago. Now just for fun I looked at the prices and people are selling same houses for 2-2.5cr. It just won’t make sense. How can prices be this outrageous? Also in this cost I can live in city part of mumbai.

Nice shirt akshat .

Most of blackmoney disappeared from housing sector overnight. as a result stagnation. also in Mumbai you cannot get anything below 1.5 cr which is almost 25 times average yearly income.

Thank you akshat, it makes perfect sense to me.
however, people who don't have parents' houses can still go ahead with buying.

So when will it be ideal to buy a house? Which type of market? anything to look out for, to identify and then take big decision to buy

Even though it is logical and makes sense financially, people will still buy to keep a place of their own with emotional attachement.

Hey Akshat don’t you think 3-4% returns on other people’s money(leverage) + rental income can give double digit returns unlike the stock market which has only given 13-14% returns

Agree. Prices are just insane. Hardly worth it now