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What is the better option to buy a House Cash or Investment?



In these days of competition, everyone wants to improve their living standard & generate a handsome income to improve their lifestyle. In this blog, you are going to get the idea of whether you should buy a home on a cash basis or on an investment basis. The buyer can choose any one procedure. So many people get confused about buying a home whether they should pay cash or make an investment. The buying of the home totally depends on the circumstances. It varies according to the lifestyle & on the income of a person. The main question is for what purpose the buyer wants to purchase the home for living purposes or for the business purpose?



real estate best option

For Personal Living


If an individual wants to purchase a home for personal living & he has an old home & doing the job as well then he can sell out his old home to get a new one along with scattered savings. He can purchase a new house easily.


If the buyer doesn’t own any home before but has attractive monthly income from a long term job & Savings then he can also purchase a home on a cash basis.


But if the person doesn’t own any home before & doesn’t have savings as well but has an attractive monthly salary then he should make an investment by taking loans. He can take a loan to buy a home & return it back on an installment basis.


If the buyer doesn’t have property or savings to replace but has attractive monthly income then he can take a loan in order to make an investment for double portion home & utilize that home for living & rental purpose & pay the installments through rental income to fulfill their family expenses as well.


For Business Purpose



If an individual wants to purchase a home for business purposes to get some more profit, he can buy in different ways. If he is doing a good job with an attractive monthly salary & saving then he can buy a home easily on a cash basis & after purchasing he can rent out the same as per the value of the home in the area.


If the buyer or individual has some extra land or property then he can also buy a home on a cash basis by selling that property


If the buyer has savings then he can also utilize those savings in a profitable way by buying a home for business purposes to rent it out in the future.


If the buyer doesn’t have any property or savings but earning attractive salary monthly then he can take a loan to buy the house & can return it back on a monthly installment basis if the rate of interest or installment is lesser than the rental income.


If the person buys a home by taking a loan but the rate of interest in more than the rental income then he can rent out the home for more value by furnishing the home. For example, if a person takes a loan to buy a home the rental value of the home is 40k & the installment rate is 50k per month then with the furnishing of that home the rental value will be increased from 40k to 140000. With this, he cannot only pay the installment easily but also generate a handsome monthly income.



However both the options, cash & investment for a home are good, depending on the circumstances that you’re facing you can utilize both options in order to improve your living standard. Furthermore, the following suggestion can be helpful for the situations you are facing.



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