Lease vs Rent vs Buy — Which is right for you?

Choosing a home isn’t only about price — it’s about cashflow, flexibility, and life stage. Here’s a simple way to decide.

1) RENT (Monthly Rent Model)

Rent is best when…

You want the lowest upfront payment
You’re uncertain about job location / city changes
You need maximum flexibility (shorter commitments)

Trade-off

Monthly rent is a continuous outflow
Rent may increase over time (renewals / market changes)
Stability depends on renewal terms and owner decisions

2) BUY (Home Loan / EMI Model)

Buy is best when…

You are stable long-term in the same city/location
You are ready for down payment + registration + interiors + EMI
You are confident about where and how long you will stay

Trade-off

Long-term commitment and EMI pressure
Interest cost over the loan period
Exiting/selling quickly is not always easy

3) LEASE (LeaseHomez Maintenance-Only Model)

Lease (Maintenance-Only) is best when…

You want premium gated society living now
You want to avoid a big EMI for now
You can arrange the Refundable Lease Amount
You prefer low monthly outflow (Maintenance Only)

Trade-off

Higher upfront commitment than rent
Refund is governed by agreement terms + inspection report + dues clearance

Quick decision checklist (60 seconds)

Choose LEASE if:

You can arrange the refundable lease amount, and
You want No Monthly Rent* (Maintenance Only), and
You plan to stay 2–3 years, and
You’re not ready to buy today but want premium living

Choose RENT if:

You need the lowest upfront payment, or
You expect to move within 6–12 months, or
You want maximum flexibility

Choose BUY if:

You’re stable long-term and ready for a loan, and
You have down payment + expenses sorted, and
You’re confident about the location and long stay

Simple summary

Rent: low upfront, ongoing monthly outflow
Buy: ownership, long-term EMI commitment
LeaseHomez Lease: No Monthly Rent* — pay Maintenance Only with a Refundable Lease Amount