New Delhi, July 10 -- Are you planning to purchase a new house? Have you considered how you will manage home loan EMIs and ensure hassle-free repayments to avoid financial stress later? One common dilemma is whether to continue renting or buy a property.

The 20x rule offers a simple framework for comparing a house's cost and rent to its rental value. It is based on the price-to-rent ratio, which compares a property's purchase price with the annual rent it can generate.

The result shows how many years of rent would equal the property's purchase price. This calculation does not account for additional factors such as loan EMI, taxes, maintenance or appreciation, but it provides a quick benchmark.

For example, if a house costs Rs.60 lakh, ...