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Renting now, buying later

You are hunting for a flat, claiming HRA, or wondering if EMIs beat rent.

4 steps · about 68 minutes · all published

  1. Renting in India, decoded

    The 11-month agreement, the deposit, and getting it back.

    17 min · reading age 13

  2. HRA: the rent money the taxman leaves alone

    The least-of-three formula that decides your tax break on rent.

    16 min · reading age 13

    Try: HRA Exemption Calculator

  3. Home loans: the 20-year arithmetic

    What a 20-year EMI is actually made of, before you commit to one.

    16 min · reading age 13

    Try: EMI Calculator with Amortisation Schedule

  4. Buying a home without getting played

    RERA, carpet area, title checks — the paperwork that does the protecting.

    19 min · reading age 13

Why this order

Protection before growth. An emergency fund, then health cover, then clearing expensive debt, and only then investing. Not caution for its own sake — arithmetic. A card balance can charge around 50% a year, which is more than ordinary investments earn.

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