Buying Property – Investing vs. Self-Use

Purchasing a property in this country has always been a massive and challenging undertaking since the residential sector in India is enormous. You need to be financially secure as well as mentally ready to embark on this journey. It needs to be a well-informed decision since your life savings are at stake. 

Many fail to grasp the fine line between investing in a property and using it for self-use. Buying a home for investment purposes is done with the chief intent of eventually generating a profit from selling it. On the other hand, a self-use house is not bought with the intention of making a profit nor is it used for business or given on rent. 

Let’s look at some of the notable parameters that differentiate investing in a property vs. using a home for self-use:


For those who are planning to own a house and actually live in it, location plays a vital role. You need to ensure that the locality is situated in an area that can cater to all your needs. It should be accessible to essential facilities like schools, hospitals, and shopping centers, and should have good connectivity to the rest of the city for a smooth commute. You need to take a closer look at the neighbourhood and determine if it’s appropriate for your lifestyle. This will help you evaluate the livability index of the locality. 

If you’re looking at properties for sale MMR for investment purposes, location is not as important as it is for self-use. But yes, it does play a significant role because it is suggested that emerging locales, particularly those perched on the borders of the city of suburbs could help you in gaining a healthy ROI. Even if such developing locations do not have all the modern amenities in place yet, they provide lower entry rates and thereby, the enhanced scope of price appreciation. But if you aim to earn rental yield from your investment, you ought to keep factors like closeness to an economic hub and livability of the locale in mind. 

Construction Stage

If you’re planning to buy a house for self-use from the available 2 BHK apartments in Thane, the construction status of the apartment is vital since it decides your monthly outflow via EMIs, particularly if you’re planning to take a home loan. Ready-to-move-in homes are priced higher as opposed to under-construction homes, so you need to weigh your pros and cons before making any decision. 

On the other hand, if you’re looking at the best flats in Mumbai for investment reasons, it makes monetary sense to start the process at the pre-launch or launch stage. You might pay less but there is a higher risk as there is no guarantee for timely delivery. You would end up gaining maximum profit if you exit when the home is ready for possession. 


When you purchase a flat for self-use from the available homes for sale in MMR, ensure that your preferred location has a sound infrastructure. It should be well-equipped with a high-quality road network, schools, hospitals, shopping, and recreational zones as well as connectivity to the airport, metro, railway station, metro, and bus stop for easy living. 

It’s not necessary that homes for investment purposes need to be located in a place with excellent infrastructure. However, it is important that the locality is involved in the main’s city’s master plan. The investor also needs to take a look at whether the government has any potential projects in the pipeline that could push the area’s appeal, thereby driving capital and rental growth. 

To sum up, it is important to weigh the pros and cons irrespective of whether you’re buying a home for self-use or for investment. You could start the process by visiting IndexTap and perusing their extensive line-up of residential properties in MMR. 

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