Table of Contents

1. The Eternal Dilemma: Buy vs Rent in India

2. Why Buying Makes More Sense in 2025

3. When Renting Still Works

4. The 60-65% Rule Explained

5. The Future of Homeownership in India

6. Related Reads to Explore

7. Explore Other Prime Real Estate Opportunities in NCR

For every aspiring homeowner, the question of buying vs renting continues to be one of the toughest financial decisions. With property prices soaring in key cities like Delhi, Gurugram, and Mumbai, many families are unsure whether to stretch their budget for ownership or continue with the flexibility of renting.

In 2025, Harmohan Sahni, MD of Raymond Realty, offers a decisive perspective: if you can afford around 60–65% of your dream home’s cost today, it’s better to buy rather than rent.

The Eternal Dilemma: Buy vs Rent in India

Sahni’s advice comes at a time when property values are rising steadily across metro cities and Tier-2 hubs. Here’s why homeownership is the smarter move if you can manage the initial down payment:

• Protection Against Price Inflation – Real estate in India continues to appreciate, especially in urban growth corridors. Buying now secures today’s prices before they climb further.

• Emotional & Financial Security – Owning your home provides a sense of stability, pride, and freedom that renting simply cannot.

• Rising Rental Costs – With high demand for residential units, rentals are climbing across Delhi NCR, Gurugram, and Bengaluru. A home loan EMI often matches or even undercuts rent payments.

• Long-Term Wealth Creation – Real estate remains one of the most reliable asset classes in India, offering both rental income potential and capital appreciation.

Why Buying Makes More Sense in 2025

While Sahni’s buy-first approach applies to many, renting might make sense if:

• You are uncertain about your long-term location.

• You’re saving aggressively for a larger down payment.

• Your career or family plans may require frequent relocations.

However, even in these cases, real estate experts suggest not delaying a purchase too long, as affordability may shrink with every price rise.

When Renting Still Works

Sahni emphasizes that you don’t need to wait until you can pay 100% of your dream home’s value. Instead, if you can comfortably cover 60–65% through savings and loans without overburdening yourself, it’s the right time to invest.

This approach ensures buyers don’t miss out on price appreciation while still maintaining manageable EMI commitments.

The 60-65% Rule Explained

With government schemes like affordable housing incentives, lower GST rates on key materials, and improved loan availability, 2025 is shaping up to be a favorable year for first-time buyers. Coupled with urban infrastructure growth, today’s purchase could be tomorrow’s windfall.

The Future of Homeownership in India

To help you make smarter property decisions, check out these TFRG insights:

• Govt Plans ‘Shelter Fee’ & Land Reforms to Keep Homes Affordable Amid India’s Luxury Housing Boom – how policy changes aim to balance luxury growth with affordability.

• GST Cut on Cement from 28% to 18% Slashes Housing Costs — CREDAI Calls It a Game-Changer – why reduced construction costs benefit new homebuyers.

• Why Chattarpur 2 BHK Flats Are the Best Investment in South Delhi Real Estate – affordable yet high-ROI housing opportunities in Delhi.

• Manesar Farmland Price Trends 2025 — Why Now Is the Best Time to Invest – land investment insights for long-term wealth.

Related Reads to Explore

Explore Other Prime Real Estate Opportunities in NCR

There are several verified and ready-to-move flats available in the region. At The Fortune Realty Group, we provide expert guidance and curated listings to help you find the perfect property.

You can explore:

• Flats in Chattarpur & Vasant Kunj – Affordable options with excellent metro connectivity.

• Farmland in Manesar – Ideal for investment and weekend retreats.

At The Fortune Realty Group, we help you find:
✅ Verified luxury builder floors with clear registry
✅ Prime locations like Gurugram, Manesar, Chattarpur, Vasant Kunj, Vasant Vihar, and more emerging hotspots
✅ Full support with home loans, legal formalities, and after-sales services
✅ Zero brokerage deals — so your investment goes directly into your dream home, not middlemen

With booming infrastructure, excellent connectivity, and rising demand, Gurugram, Manesar, Chattarpur, Vasant Kunj, and Vasant Vihar have become top choices in Delhi NCR for luxury living and high-return real estate investments.

Verified luxury builder floors with clear registry

How TFRG Makes Luxury Buying Stress-Free

Looking to Invest in South Delhi or Manesar?

Contact TFRG today for verified listings, legal due diligence, and best-in-class guidance across residential, commercial, and plotted developments.