Question 1

What is compared?

Accepted Answer

Buy: home equity after the loan. Rent: a SIP funded by the down payment plus any EMI minus rent. Appreciation, rent hike, and SIP return are what you type.

Question 2

Is this a property quote?

Accepted Answer

No. Stamp, tax, maintenance, and vacancy are not modelled. Confirm with a lender and a registered valuer.

Question 3

What if EMI is lower than rent?

Accepted Answer

The rent path then invests the down payment only. You can still compare equity versus the SIP corpus at the horizon you set.