Your Property Details
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₹
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Current Rent & Market Assumptions
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💸 Total Interest You'll Pay
₹—
Over 20 years on your loan
😨 Job Loss Survival
— mo
Months your savings cover EMI + expenses
📊 10-Yr Wealth Gap
₹—
Difference between buy vs rent+invest
⏳ Break-Even Year
Yr —
When buying outpaces renting wealth
EMI Danger Score
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🟢 Safe🟡 Caution🔴 Danger
Monthly Breakdown
Monthly EMI
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Monthly Rent (Now)
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Current cost of renting
10-Yr Property Value
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10-Yr Invest Corpus
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If savings invested instead
Cost Comparison
10-Year Projection
⚠️ WARNING: Your EMI-to-income ratio crosses the RBI danger threshold.
Based on your profile, the AI has found 3 hidden costs that most buyers ignore completely. Your stamp duty alone adds ₹4.8L to the upfront cost — which shifts your real break-even by 2.6 years. Furthermore, your job-loss survival window of only 4 months is dangerously below the recommended 12-month buffer for home loan holders...
The real question isn't EMI vs Rent. It's whether your income trajectory justifies this leverage right now. Here's what the AI recommends you do in the next 90 days...
AI
Your GharNirnay Report
Analysing your profile...