Buy net cost: -₹7,58,337
Rent net cost: ₹18.43 Lakh
Break-even year: 1
Bars: buy (green) vs rent (grey) cumulative model by year.
Buy cost nets EMI, maintenance, stamp/registration against equity and appreciation. Rent cost nets escalated rent against alternative investment returns on capital not locked in a down payment. Defaults: rent escalation 7%, appreciation 5%, alt return 10%, maintenance 1%/yr.
