In 2025, new generations such as millennials and centennials face a dilemma that has become popular: is it better to rent and allocate the money to financial investments, or to buy your own home? Although on social networks and forums it is said that other financial instruments offer better returns, Antonio Sánchez Sierra, Financial Advisor and Coordinator of the Doctorate in Tax Studies at the University of Guadalajara, denied this belief and highlighted that investment in real estate continues to be key to building solid and lasting wealth.
“In social networks there is a lot of talk about the idea that what you could be paying monthly for a house is better put into other investments and that in the end you will obtain a greater return. No, it is not true… If you have a house and you rent it, the house that cost 2 million will give you 10 percent of its value in rent, which is something that people do not understand. The house is divided, that is, 10 percent is 200 thousand, divided by 12.
They are going to give it to you,” said Sánchez Sierra.
The financial advisor contrasted these benefits against what is currently generated by the investment considered safest, which is the CETES.
The CETES give it 7 percent, inflation is at 8 percent. “So what you are investing minus inflation gives you 1 or 2 percent growth on your money,” he explained.
Furthermore, this view ignores the constant capital gains and inflation protection that real estate offers. According to data from the Federal Mortgage Society, the Mexican real estate market presents an average annual appreciation of 8.2 percent, surpassing inflation and many other investments.
In Jalisco, the average cost of housing reached almost 1.95 million pesos in the first half of 2025, with an annual increase rate of 11.12 percent according to data from the SHF, highlighting its dynamism and accelerated appreciation.
“The monthly payment you make for a house is not a sterile expense, it is generating an asset that in the long term will give you solvency and a place to live,” says Sánchez Sierra, who adds that real estate investment provides stability and can generate additional income by renting the property.
“I don’t see practically any risk… It is possible to buy a small property adapted to your possibilities and generate asset security,” commented the specialist.
Furthermore, mobility is not incompatible with shopping. “You can live in the house and, if you want or need to move, you can rent it, combining the flexibility of renting with the value of the assets.”
Sánchez Sierra exemplified with a real case: “I have a friend who doesn’t have a house, but he has twenty commercial premises that he rents and they generate income… it’s a matter of personal objectives and how you want to invest.”
Another benefit of purchasing real estate is being able to generate financial leverage.
“It will give you financial leverage at a given time for future projects. This leverage will allow you to have liquidity to a greater or lesser degree and above all it gives you security and financial tranquility for any contingency that you may have in the future,” he explained.
The specialist emphasizes that disciplined savings, control of impulsive spending and financial education are key to eliminating myths and achieving wealth goals.
“With disciplined work and savings, no one is financially broken. Housing is an asset that offers solvency, financial leverage and stability,” he concluded.
The new generations must rely on financial education and adequate planning to make informed decisions, turning real estate investment into an intelligent and profitable strategy.