Is your house really yours? Probably not. If it’s on rent, it’s the landlord’s; if it’s on loan, it’s the bank’s. While it’s one of the three basic needs to have a roof over your head, it could be overwhelming to decide how to get your dream home though. Should you buy one, or is it wiser to live on rent? Should you take a big loan, or a loan at all, or should you wait to accumulate enough to buy in cash? For the next edition of FinancialExpress.com Manage Your Money, we bring to you ‘Yeh Tera Ghar, Yeh Mera Ghar’.

For this edition, we have three very insightful sessions. First, a panel of industry experts and reputed financial planners will discuss the merits and demerits of buying a home vs living on rent. Second, we deep dive into getting a home loan – its calculations, tax implications, costs, benefits, processes, risks, and more. And for the third and final session, we will delve into the real estate investment outlook for upcoming years.

Recorded Session

Discussion Topics

Living on rent vs owning a home
Home a‘loan’
The real estate investment outlook


Adhil Shetty


Amarendra Sahu

Co-founder & CEO
NestAway Technologies Pvt Ltd

Divakar Kaushik

Associate Executive Director, Capital Markets & Residential Services

Gaurav Karnik

Partner & Leader – Real Estate
EY India

Mrin Agarwal

Founder Director
Finsafe India Pvt Ltd

Neeraj Agarwala

Nangia Andersen India

Ramesh Ranganathan

K Raheja Corp Homes

Saurabh Gupta

Fund Manager - Real Estate Private Equity
IIFL Asset Management

Shaleen Agrawal

Editor - Markets
Financial Express Online


Advantages and disadvantages of buying a home vs living on rent
Buying under construction vs buying ready property
Buyer protection – Rera provisions
Buying a house – benefits for women
Types of rent agreements for renters and landlord protection
Investing in real estate for rental income
Maximising your income with realty
Securing a loan, calculation of EMI
Loan amortisation – principal and interest
Loan prepayment – partial or full
How to finish your 20-year loan in 10 years
What happens if primary borrower passes away
Floating rate loans vs fixed rate loans
Teaser rate loans
Tax calculation on home loan
Tax calculation on rented home
Selling off a property mid-way of the loan duration
Buying on cash vs on loan
Commercial vs residential real estate
Physical real estate vs REITs
Investing in Indian REITs vs Investing in overseas REITs

Who Should Attend?

Salaried Employees
Small Business Owners
Retail investors
High net worth individuals
Asset Management Companies
Financial Planners
Wealth Managers
Real Estate Companies
Real Estate Consultancy Firms

Why Should You Attend?

A developing nation with rapid urbanisation, rising nuclear families, and an increasing population are the most-suited ingredients for the growth of the real estate sector, especially the residential real estate. And India ticks all of these traits, the reason why the sector is at an all-time high right now. According to a recent report, all-India residential real estate sales across major cities in India increased 28% yoy to 646 mn sq ft in FY2022 (505 mn sq ft in FY2021), with 200 mn sq ft of sales in 4QFY22 (+12% yoy). The growth in the sector calls for a discussion on how to best get on with the trend and invest wisely on real estate, or is it even wise? Is renting a home a better option? Even while buying a house, should one go for a home loan or not, what really are the tax implications, costs, benefits, processes, risks, and more. We will have all these questions answered by industry experts at Manage Your Money. Not only this, the online platform will also give the attendees an opportunity to interact and ask questions from the experts from the field.

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