Can you buy a commercial property and live on rents for the rest of your life? Lets talk math.

Investing in a commercial shop priced at Rs 50 lakh could yield Rs 2-3 lakh annually from rental income.
After accounting for 15% maintenance costs, the net income decreases to Rs 2.55 lakh annually, or Rs 21,250 monthly.
With a down payment of Rs 10 lakh, a loan of Rs 40 lakh at 9% interest incurs a monthly equated monthly installment of Rs 36000.
This results in a monthly shortfall of Rs 14,750. So unless you buy the asset with your own funds - that is not a solid retirement plan.

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