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@robo23 There is the opportunity cost of money as well. If you run a discounted cash flow where you pay rent increasing by x% every year (and investing the differential in an index fund) and another where you put down down payment and pay EMI, the first option will yield a lower cost most of the...

@robo23 Buying a flat is an emotional decision. When you buy, it’s your place and you can do whatever you want with it. No landlord to answer to, no broker to deal with, no looking for new place. Buying a home is an investment in your quality of living and cannot be measured in money. In...