{"id":1036,"date":"2025-06-20T12:11:30","date_gmt":"2025-06-20T12:11:30","guid":{"rendered":"https:\/\/thepumumedia.com\/blogs\/?p=1036"},"modified":"2025-06-17T12:21:44","modified_gmt":"2025-06-17T12:21:44","slug":"should-you-buy-your-first-home-or-keep-renting","status":"publish","type":"post","link":"https:\/\/thepumumedia.com\/blogs\/should-you-buy-your-first-home-or-keep-renting\/","title":{"rendered":"Should You Buy Your First Home or Keep Renting?"},"content":{"rendered":"\n<p>Deciding whether to buy your first home or continue renting is one of life\u2019s biggest financial choices. Today\u2019s landscape offers unique factors to consider. As of June\u202f2025, the Reserve Bank of India has trimmed its repo rate by <strong>50\u202fbasis points<\/strong> to <strong>5.50%<\/strong>, the largest cut in five years, aiming to spur credit growth and ease EMIs across the board. At the same time, a Reuters poll forecasts average home prices in India to climb by <strong>6.5%<\/strong> this year, while urban rents may surge by <strong>7\u201310%<\/strong>, outpacing inflation.<\/p>\n\n\n\n<p>Understanding how these shifts affect your pocket\u2014and weighing them against personal goals\u2014will guide you toward the right path. This guide walks you through current market realities, financial calculations, pros and cons, and actionable steps for both buying and renting, so you can make a decision that fits your life and budget.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>1. Understanding the Buy vs. Rent Decision<\/strong><\/h2>\n\n\n\n<p>Every buyer\u2011renter dilemma boils down to three core questions:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Time Horizon:<\/strong> How long do you plan to stay in one place?<br><\/li>\n\n\n\n<li><strong>Cost Comparison:<\/strong> What will buying cost you\u2014down payment, EMIs, maintenance\u2014versus renting and investing the difference?<br><\/li>\n\n\n\n<li><strong>Lifestyle &amp; Flexibility:<\/strong> Do you value the stability of ownership or the mobility of renting?<br><\/li>\n<\/ol>\n\n\n\n<p>By framing the decision this way, you\u2019ll see whether your priorities align more with homeownership\u2019s long\u2011term wealth creation or renting\u2019s short\u2011term flexibility.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>2. Market Conditions in Mid\u20112025<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2.1 Home Prices on the Rise<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Price Growth:<\/strong> A Reuters poll of 14 experts projects Indian home prices to grow <strong>6.5%<\/strong> this year and <strong>6.0%<\/strong> next, driven by demand from higher\u2011income buyers.<br><\/li>\n\n\n\n<li><strong>City Variations:<\/strong> In Bengaluru, average property price for a 2\u202fBHK is roughly \u20b91\u202fcrore; in Mumbai, the same unit commands \u20b92.4\u202fcrore or more.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2.2 Rental Trends &amp; Yields<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Rental Inflation:<\/strong> Urban rents are expected to rise <strong>7\u201310%<\/strong>, outpacing consumer inflation of around <strong>4.3\u20134.4%<\/strong>.<br><\/li>\n\n\n\n<li><strong>Gross Yields:<\/strong> India\u2019s average gross rental yield stands at <strong>4.84%<\/strong> (Q2\u202f2025), down slightly from <strong>4.98%<\/strong> in late 2024. Major metros like Delhi and Mumbai offer <strong>2\u20133%<\/strong>, whereas emerging Tier\u20112 cities can reach up to <strong>8%<\/strong>.<br><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>3. The Cost Calculations: Buy vs. Rent<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3.1 Buying Costs Breakdown<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Cost Component<\/strong><\/td><td><strong>Estimate (\u20b9)<\/strong><\/td><\/tr><tr><td><strong>Down Payment (20%)<\/strong><\/td><td>20\u202flakhs on a \u20b91\u202fcrore property<\/td><\/tr><tr><td><strong>Stamp Duty &amp; Registration<\/strong><\/td><td>7\u201310\u202flakhs<\/td><\/tr><tr><td><strong>Home Loan EMI<\/strong><\/td><td>\u20b972,000\/month at 8.5% p.a. over 20\u202fyrs*<\/td><\/tr><tr><td><strong>Maintenance &amp; Property Tax<\/strong><\/td><td>\u20b93,000\u2013\u20b95,000\/month<\/td><\/tr><tr><td><strong>Total Monthly Outflow<\/strong><\/td><td>~\u20b980,000+<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>*Based on an interest rate of 8.5% p.a. from banks like ICICI or HDFC.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3.2 Renting Costs Breakdown<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Cost Component<\/strong><\/td><td><strong>Estimate (\u20b9)<\/strong><\/td><\/tr><tr><td><strong>Monthly Rent<\/strong><\/td><td>\u20b935,000\u2013\u20b945,000<\/td><\/tr><tr><td><strong>Security Deposit<\/strong><\/td><td>3\u20135 months\u2019 rent (\u20b91.2\u202flakhs)<\/td><\/tr><tr><td><strong>Maintenance<\/strong><\/td><td>Sometimes included<\/td><\/tr><tr><td><strong>Total Monthly Outflow<\/strong><\/td><td>~\u20b940,000<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3.3 The Breakeven Analysis<\/strong><\/h3>\n\n\n\n<p>A study by 1\u202fFinance shows the \u201cbreakeven point\u201d\u2014when homeownership wealth overtakes renting plus investing the difference\u2014varies by city:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Bengaluru, Hyderabad, Pune:<\/strong> 3\u20138\u202fyears<br><\/li>\n\n\n\n<li><strong>Mumbai, Delhi NCR:<\/strong> >\u202f30\u202fyears due to high prices and low yields<br><\/li>\n<\/ul>\n\n\n\n<p>If you plan to stay beyond the breakeven horizon, buying often becomes financially advantageous; if not, renting plus investing the monthly savings may yield better returns.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>4. Pros &amp; Cons of Buying vs. Renting<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4.1 Buying: Pros<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Equity Building:<\/strong> EMIs gradually convert into home equity, an asset you own.<br><\/li>\n\n\n\n<li><strong>Tax Benefits:<\/strong> Principal repayment under Section\u202f80C and interest deduction up to \u20b92\u202flakhs under Section\u202f24(b).<br><\/li>\n\n\n\n<li><strong>Stability &amp; Control:<\/strong> Freedom to renovate, no risk of eviction.<br><\/li>\n\n\n\n<li><strong>Potential Appreciation:<\/strong> 6\u20137% annual price growth can boost net worth over time.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4.2 Buying: Cons<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>High Upfront Costs:<\/strong> 20% down payment plus stamp duty (~\u20b927\u201330\u202flakhs on a \u20b91\u202fcrore property).<br><\/li>\n\n\n\n<li><strong>Illiquidity:<\/strong> Take 6\u201312\u202fmonths to sell, with brokerage fees.<br><\/li>\n\n\n\n<li><strong>Maintenance Burden:<\/strong> Ongoing costs for repairs and society charges.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4.3 Renting: Pros<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Flexibility:<\/strong> Easy relocation for job changes or life events.<br><\/li>\n\n\n\n<li><strong>Lower Upfront Cash:<\/strong> Security deposit vs. large down payment.<br><\/li>\n\n\n\n<li><strong>No Maintenance Headache:<\/strong> Landlord handles major repairs.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4.4 Renting: Cons<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>No Asset Building:<\/strong> Monthly rent is an expense, not equity.<br><\/li>\n\n\n\n<li><strong>Rent Hikes:<\/strong> Annual increases of 5\u201310% can outpace salary growth.<br><\/li>\n\n\n\n<li><strong>Limited Control:<\/strong> Restrictions on painting, pets, and modifications.<br><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>5. Who Should Buy Their First Home?<\/strong><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Long\u2011Term Planners (5+ Years in One City):<\/strong> If you expect to stay put beyond the breakeven point.<br><\/li>\n\n\n\n<li><strong>Stable Finances &amp; Good Credit Score:<\/strong> Able to manage EMIs (\u2264\u202f40% of net income).<br><\/li>\n\n\n\n<li><strong>Ready for Upfront Costs:<\/strong> Have savings for down payment, fees, and emergency fund.<br><\/li>\n\n\n\n<li><strong>Desire Stability &amp; Customization:<\/strong> Looking to personalize living space without landlord restrictions.<br><\/li>\n<\/ol>\n\n\n\n<p><em>Example:<\/em> A 30\u2011year\u2011old IT professional in Bengaluru, with \u20b91\u202fcrore budget, a 20% down payment saved, and an annual increment, stands to gain from buying if they plan to stay 6+\u202fyears.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>6. Who Should Keep Renting?<\/strong><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Frequent Movers:<\/strong> Professionals with 1\u20132\u202fyear job tenures or those exploring multiple cities.<br><\/li>\n\n\n\n<li><strong>High\u2011Cost Property Markets:<\/strong> In metros like Mumbai or Delhi, where breakeven may exceed 30\u202fyears.<br><\/li>\n\n\n\n<li><strong>Low Down\u2011Payment Capacity:<\/strong> If saving 20% upfront strains finances.<br><\/li>\n\n\n\n<li><strong>Risk Averse to Property Market:<\/strong> Concerned about market downturns or project delays.<br><\/li>\n<\/ol>\n\n\n\n<p><em>Tip:<\/em> Rent in a good neighborhood, invest down\u2011payment funds in SIPs targeting 12\u201315%\u202fp.a., and reevaluate in 2\u20133\u202fyears.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>7. Hybrid &amp; Alternative Strategies<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Rent\u2011to\u2011Own Schemes:<\/strong> Pay slightly higher rent with a portion credited toward future down payment.<br><\/li>\n\n\n\n<li><strong>Co\u2011Living Spaces:<\/strong> Lower rent, built\u2011in community, often all\u2011bills\u2011included.<br><\/li>\n\n\n\n<li><strong>Government Support:<\/strong> PMAY subsidies reduce interest rates by up to 3% for eligible first\u2011time buyers.<br><\/li>\n\n\n\n<li><strong>Pre\u2011Lease Investment:<\/strong> Rent in emerging suburbs with expected appreciation, then buy when prices rise moderately.<br><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>8. Steps to Buy Your First Home<\/strong><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Get Financia\u00adlly Prepped:<\/strong><strong><br><\/strong>\n<ul class=\"wp-block-list\">\n<li>Check CIBIL score (\u2265\u202f750 ideal).<br><\/li>\n\n\n\n<li>Save 20% down payment + 2\u20133% for fees.<br><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Loan Shopping:<\/strong><strong><br><\/strong>\n<ul class=\"wp-block-list\">\n<li>Compare interest rates (7.50\u20139.50% p.a. across banks) and processing fees.<br><\/li>\n\n\n\n<li>Pre\u2011approval locks in rates for 60\u201390\u202fdays.<br><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Property Hunt:<\/strong><strong><br><\/strong>\n<ul class=\"wp-block-list\">\n<li>Use trusted portals; verify builder history; visit multiple projects.<br><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Legal &amp; Due Diligence:<\/strong><strong><br><\/strong>\n<ul class=\"wp-block-list\">\n<li>Title search, RERA registration check, no\u2011dues certificates from society.<br><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Finalize &amp; Register:<\/strong><strong><br><\/strong>\n<ul class=\"wp-block-list\">\n<li>Sign the sale deed, pay stamp duty, register under your name.<br><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Move In &amp; Maintain:<\/strong><strong><br><\/strong>\n<ul class=\"wp-block-list\">\n<li>Budget for maintenance, get insurance for fire and burglary.<br><\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>9. Steps to Optimize Renting<\/strong><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Negotiate Lease Terms:<\/strong><strong><br><\/strong>\n<ul class=\"wp-block-list\">\n<li>Cap annual increases; ask for minor repairs in landlord\u2019s name.<br><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Short\u2011Term Lock\u2011Ins:<\/strong><strong><br><\/strong>\n<ul class=\"wp-block-list\">\n<li>6\u201312\u202fmonth rent lease gives mobility with some stability.<br><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Invest the Difference:<\/strong><strong><br><\/strong>\n<ul class=\"wp-block-list\">\n<li>Park rent\u2011savings (down\u2011payment funds) into SIPs and debt funds.<br><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Build a Rental Credit History:<\/strong><strong><br><\/strong>\n<ul class=\"wp-block-list\">\n<li>Pay rent via UPI\/cheque to establish transaction records\u2014useful if you buy later or apply for loans.<br><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Renter\u2019s Insurance:<\/strong><strong><br><\/strong>\n<ul class=\"wp-block-list\">\n<li>Insure contents against theft or damage for \u20b91,000\u2013\u20b92,000\/year.<br><\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Conclusion<\/strong><\/h2>\n\n\n\n<p>There\u2019s no one\u2011size\u2011fits\u2011all answer to <strong>buy vs. rent<\/strong>. Buying builds equity, offers tax breaks, and rewards commitment in markets with reasonable prices. Renting provides flexibility, lower upfront costs, and can be smarter in high\u2011price or transient scenarios.<\/p>\n\n\n\n<p>By examining <strong>your<\/strong> time horizon, cash flow, and lifestyle needs\u2014and factoring in today\u2019s market (repo at 5.50%, home prices +6.5%, rents +7\u201310%)\u2014you can make an informed choice. Wherever you land, automate your finances, track costs diligently, and revisit your decision every 2\u20133 years to stay aligned with changing goals and market shifts.<br><\/p>\n\n\n\n<p>Source : <a href=\"http:\/\/thepumumedia.com\">thepumumedia.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Deciding whether to buy your first home or continue renting is one of life\u2019s biggest financial choices. Today\u2019s landscape offers unique factors to consider. As of June\u202f2025, the Reserve Bank of India has trimmed its repo rate by 50\u202fbasis points to 5.50%, the largest cut in five years, aiming to spur credit growth and ease EMIs across the board. At the same time, a Reuters poll forecasts average home prices in India to climb by 6.5% this year, while urban rents may surge by 7\u201310%, outpacing inflation. Understanding how these shifts affect your pocket\u2014and weighing them against personal goals\u2014will guide you toward the right path. This guide walks you through current market realities, financial calculations, pros and cons, and actionable steps for both buying and renting, so you can make a decision that fits your life and budget. 1. Understanding the Buy vs. Rent Decision Every buyer\u2011renter dilemma boils down to three core questions: By framing the decision this way, you\u2019ll see whether your priorities align more with homeownership\u2019s long\u2011term wealth creation or renting\u2019s short\u2011term flexibility. 2. Market Conditions in Mid\u20112025 2.1 Home Prices on the Rise 2.2 Rental Trends &amp; Yields 3. The Cost Calculations: Buy vs. Rent 3.1 Buying Costs Breakdown Cost Component Estimate (\u20b9) Down Payment (20%) 20\u202flakhs on a \u20b91\u202fcrore property Stamp Duty &amp; Registration 7\u201310\u202flakhs Home Loan EMI \u20b972,000\/month at 8.5% p.a. over 20\u202fyrs* Maintenance &amp; Property Tax \u20b93,000\u2013\u20b95,000\/month Total Monthly Outflow ~\u20b980,000+ *Based on an interest rate of 8.5% p.a. from banks like ICICI or HDFC. 3.2 Renting Costs Breakdown Cost Component Estimate (\u20b9) Monthly Rent \u20b935,000\u2013\u20b945,000 Security Deposit 3\u20135 months\u2019 rent (\u20b91.2\u202flakhs) Maintenance Sometimes included Total Monthly Outflow ~\u20b940,000 3.3 The Breakeven Analysis A study by 1\u202fFinance shows the \u201cbreakeven point\u201d\u2014when homeownership wealth overtakes renting plus investing the difference\u2014varies by city: If you plan to stay beyond the breakeven horizon, buying often becomes financially advantageous; if not, renting plus investing the monthly savings may yield better returns. 4. Pros &amp; Cons of Buying vs. Renting 4.1 Buying: Pros 4.2 Buying: Cons 4.3 Renting: Pros 4.4 Renting: Cons 5. Who Should Buy Their First Home? Example: A 30\u2011year\u2011old IT professional in Bengaluru, with \u20b91\u202fcrore budget, a 20% down payment saved, and an annual increment, stands to gain from buying if they plan to stay 6+\u202fyears. 6. Who Should Keep Renting? Tip: Rent in a good neighborhood, invest down\u2011payment funds in SIPs targeting 12\u201315%\u202fp.a., and reevaluate in 2\u20133\u202fyears. 7. Hybrid &amp; Alternative Strategies 8. Steps to Buy Your First Home 9. Steps to Optimize Renting Conclusion There\u2019s no one\u2011size\u2011fits\u2011all answer to buy vs. rent. Buying builds equity, offers tax breaks, and rewards commitment in markets with reasonable prices. Renting provides flexibility, lower upfront costs, and can be smarter in high\u2011price or transient scenarios. By examining your time horizon, cash flow, and lifestyle needs\u2014and factoring in today\u2019s market (repo at 5.50%, home prices +6.5%, rents +7\u201310%)\u2014you can make an informed choice. Wherever you land, automate your finances, track costs diligently, and revisit your decision every 2\u20133 years to stay aligned with changing goals and market shifts. Source : thepumumedia.com<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"","ocean_second_sidebar":"","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"default","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"","ocean_custom_header_template":"","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"","ocean_menu_typo_font_family":"","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"default","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"","ocean_post_oembed":"","ocean_post_self_hosted_media":"","ocean_post_video_embed":"","ocean_link_format":"","ocean_link_format_target":"self","ocean_quote_format":"","ocean_quote_format_link":"post","ocean_gallery_link_images":"on","ocean_gallery_id":[],"footnotes":""},"categories":[15],"tags":[],"class_list":["post-1036","post","type-post","status-publish","format-standard","hentry","category-finance","entry"],"_links":{"self":[{"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts\/1036","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/comments?post=1036"}],"version-history":[{"count":1,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts\/1036\/revisions"}],"predecessor-version":[{"id":1046,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts\/1036\/revisions\/1046"}],"wp:attachment":[{"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/media?parent=1036"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/categories?post=1036"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/tags?post=1036"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}