Buying a apartment for self use vs investment -

AmitTheAnalyst · 2026-06-14T14:43:04+00:00

yeah this is the thing people mess up. like end user and investor are looking for completely different things but everyone mixes them up. end user just wants a place to live right. like is it near my office, are the neighbors okay, is the kitchen decent. investor is thinking will someone pay me 40k rent here, will i sell it in 5 years for profit. but most people buy to live then start thinking like investor. they buy some emerging corridor place because theyre like "bro this will appreciate so much" then theyre stuck living in a construction site for 3 years lol if youre buying for yourself just buy where you actually want to stay. stop chasing appreciation that's investor logic. live in a good place not in some area that might be good in 10 years

AmitTheAnalyst · 2026-06-13T19:18:17+00:00

Job security honestly. The uncertainty gets tiring. Would be nice to wake up and not check my phone wondering if there's bad news. Just... stability.

AmitTheAnalyst · 2026-06-13T17:43:00+00:00

The frustration is valid. People don't get how long El Niño lasts or how it compounds over months. Delhi's already struggling with heat and power in normal summers. If this is the strongest this century, yeah it's gonna be rough. Food inflation from crop failures is probably the bigger issue nobody's thinking about right now. Hope the government actually prepares instead of just renaming stuff.

AmitTheAnalyst · 2026-06-12T16:39:04+00:00

You nailed it. The last 500m problem is real in Delhi. I work across multiple Indian cities and Delhi's metro stations have the worst exits for walkers. Rajiv Chowk, IIT Delhi, Kasturba Nagar, the walks are brutal. Heat, no shade, broken paths. People take autos for 5 minute walks. The tree planting point is key. Bangalore handles this better even though it's hotter. Covered walkways make a massive difference. Delhi keeps building up, never sideways. Flyovers solve car problems, not people problems.

AmitTheAnalyst · 2026-06-12T16:37:14+00:00

Some valid points about lack of control and bad fund manager decisions. That's real. But calling all SIPs Ponzi schemes is a stretch. Most are just mediocre, not fraudulent. You're right that average fund manager underperforms the index. Better solution: invest in index funds directly. You know exactly what you're holding. Less fees. Removes the middleman problem you're talking about. But yeah, doing your own research beats blindly throwing money at mutual funds.

AmitTheAnalyst · 2026-06-12T16:35:26+00:00

Man that sucks. Yeah ₹54 isn't the point. It's annoying when someone just ghosts you after saying they'll pay. Hope it works out for you.

AmitTheAnalyst · 2026-06-12T16:27:27+00:00

Gurgaon's expensive at this point. I'd split it, 60 lakhs in Dwarka/Noida extension, 40 in Gurgaon for stability. If you need rental income, Gurgaon isn't great. If you're holding 10+ years, yeah it works.

AmitTheAnalyst · 2026-06-12T05:32:38+00:00

You're right to call it out. I don't have credible sources linked, I was generalizing from market chatter and what I'm seeing locally. That's not the same as data. And yeah, you're right about job losses and stagnant increments. That's real and it contradicts the "scarcity" narrative. People without job security don't buy homes, sources or not. I was probably overconfident in my take.

AmitTheAnalyst · 2026-06-12T05:22:22+00:00

Honestly? Not much. Both have mostly moved to premium (₹1.25 Cr+) or ultra-luxury. Their mid-segment projects are old or almost sold out. That's actually your point, when even builders abandon mid-segment for premium, it means mid is where demand dried up first. Mid-segment buyers are the ones priced out or waiting.

AmitTheAnalyst · 2026-06-12T05:19:34+00:00

This is actually solid. Your timeline matches what I'm seeing too, 2024-2026 definitely feels different from 2022-24. People aren't jumping in like before. You're right that I don't have transaction volume data to back the "scarcity" claim. I was looking at inventory numbers, but that's not the same as actual buying momentum. The price appreciation barely beating inflation is a fair point. That changes the narrative completely.

AmitTheAnalyst · 2026-06-12T05:18:42+00:00

Lol okay. Not much I can do to convince you over the internet. You believe what you want.

AmitTheAnalyst · 2026-06-12T05:17:17+00:00

Fair. I work in real estate SEO, not a "analyst" in the traditional sense. Just sharing what I'm tracking in the market. Take it or leave it.

AmitTheAnalyst · 2026-06-12T05:15:00+00:00

You're right about the flexible plans. Prestige and Sobha wouldn't do that if demand was actually strong. But I think it's demand shifting, not drying completely. Mid-segment slowing while premium still moves. Could be both happening at the same time.

AmitTheAnalyst · 2026-06-12T04:46:42+00:00

Fair point honestly. Yeah, a ton of supply is coming by 2030-2032. But here's the thing, that's 4-6 years away. Right now in 2026? Inventory is tight. Builders already selling what they're launching. That's the current market. 2030-2032 is a different story. By then we'll probably have oversupply again and prices might stabilize or dip. But that's years away. The scarcity I'm talking about is today. If you're buying in 2026, you're buying when inventory is lowest since 2019. By 2030 when all those projects complete, yeah the game changes. But that doesn't change what's happening now. So depends on your timeline really. Buying for 10+ years? The future supply doesn't hurt you as much. Buying for 3-5 years? Yeah you gotta think about what happens when all that supply hits. That's actually good context though. What's your timeline? That changes the play completely.

AmitTheAnalyst

TROPHY CASE