Should I Buy This Property?

Evaluate a property's affordability, ownership cost, potential appreciation and investment return before deciding whether to buy.

Property Evaluation Inputs

1. Property & Purchase Costs

home Property Price

₹

payments Down Payment

₹

receipt_long Total Buying Costs (Stamp Duty, Reg, Fees)

₹

gavel Estimated Fair Market Value (Optional)

₹

2. Home Loan Financing Terms

percent Loan Interest Rate

15%

schedule Loan Tenure

1 yr

30 yrs

3. Personal Finance & Affordability

account_balance_wallet Monthly Net Take-Home Income

₹

credit_score Existing Monthly EMIs

₹

key Current Monthly Rent (Contextual)

₹

tune Max Comfortable EMI-to-Income Ratio

20%

60%

4. Investment & Holding Period

trending_up Expected Annual Appreciation

15%

real_estate_agent Expected Rental Yield

10%

hourglass_bottom Holding Period

1 yr

30 yrs

5. Recurring Monthly Ownership Expenses

Monthly Maintenance

₹

Monthly Property Tax

₹

Monthly Insurance

₹

Other Monthly Costs

₹

Financial Buy Score

BUY

78 / 100

The property looks financially reasonable under the assumptions you entered.

Upfront Initial Cash

₹ 28.0L

DP + Buying Costs

Monthly Outgoings

₹ 77.9K

EMI Ratio: 44.5%

10-Yr Property Value

₹ 1.79 Cr

+₹79.1L Gain

Estimated ROI

+271%

Equity + Rent Return

Score Factor Breakdown (Weighted 100%)

1. Affordability (30%) 85 / 100

2. Price / Value (20%) 85 / 100

3. Appreciation (15%) 85 / 100

4. Rental Yield (10%) 70 / 100

5. Investment Return (15%) 100 / 100

6. Holding Period (10%) 100 / 100

Why this score?

✓ Total EMI burden is 44.5% of net monthly income.
✓ 10-year holding period provides adequate time to absorb market cycles.
⚠ Initial cash required is ₹28.0 Lakh before interiors.

tips_and_updates

Financial Screening Disclaimer: This calculator provides a financial screening based on the assumptions you enter. It does not assess legal title, construction quality, builder reliability, location risk, or market valuation. Verify all property details before making a purchase decision.

Estimates are illustrative and based on the assumptions entered by you. Property appreciation, rental income and investment returns are not guaranteed. This calculator is intended for decision support and does not constitute financial, tax or legal advice.

How Does the Financial Buy Score Work?

Before purchasing a home, evaluating only the purchase price or loan EMI is insufficient. A complete financial decision requires assessing total upfront cash outgoings, debt-to-income ratios, monthly recurring maintenance, expected capital appreciation, and long-term investment equity creation.

Factor 1

Affordability (30%)

Evaluates your total monthly loan EMI burden relative to your net take-home income.

Factor 2

Price / Value (20%)

Compares the quoted property price against your estimated fair market value.

Factor 3

Capital Appreciation (15%)

Factors in expected annual property appreciation over your holding tenure.

Factor 4

Rental Yield & Return (25%)

Measures annual rental income and projected equity buildup at sale.

Frequently Asked Questions

How is the Financial Buy Score calculated?

The Buy Score (out of 100) evaluates six weighted factors: Affordability (30%), Price/Value (20%), Expected Appreciation (15%), Rental Yield (10%), Estimated Investment Return (15%), and Holding Period (10%).

What does BUY, CONSIDER, or AVOID mean?

A score of 75-100 indicates BUY (financially comfortable), 55-74 indicates CONSIDER (worth evaluating closely), and below 55 indicates AVOID (high financial or affordability risk). An EMI-to-income ratio exceeding 60% automatically triggers an AVOID override.

Does a high score guarantee a profitable property purchase?

No. The Buy Score is a financial screening tool based solely on your inputs. It does not evaluate legal title, construction quality, builder reputation, neighborhood risks, or un-modeled market factors.

How is initial cash required calculated?

Initial Cash Required equals your Down Payment plus Total Acquisition Buying Costs (stamp duty, registration, legal fees, brokerage).