Uporedite kupovinu stana na kredit s najmom i ulaganjem novca koji biste inače uložili u kupovinu. Pogledajte ko ostaje s više neto imovine, kada kupovina sustiže najam i koliko svaka opcija košta mjesečno.
Result
Buying leaves about 22.663 € more net wealth after 10 years.
Buying catches up with renting in year 5.
- Net wealth if you buy
- 86.680 €
- Net wealth if you rent
- 64.017 €
- Cash needed at the start
- 31.440 €
- Loan amount
- 96.000 €
Net wealth by year
Buy
Rent and invest
Year 1–10
Monthly costs in the first year
| Loan instalment | 533,60 € |
|---|---|
| Maintenance | 100,00 € |
| Insurance | 10,00 € |
| Property tax | 25,00 € |
| Owning, total per month | 668,60 € |
| Rent per month | 500,00 € |
Owning costs 168,60 € more per month; the renter invests this difference.
Year by year
| Year | Property value | Loan balance | Net wealth if you buy | Net wealth if you rent | Monthly rent |
|---|---|---|---|---|---|
| 1 | 123.600 € | 93.873 € | 26.019 € | 34.758 € | 500 € |
| 2 | 127.308 € | 91.649 € | 31.840 € | 38.074 € | 515 € |
| 3 | 131.127 € | 89.322 € | 37.871 € | 41.386 € | 530 € |
| 4 | 135.061 € | 86.889 € | 44.120 € | 44.687 € | 546 € |
| 5 | 139.113 € | 84.344 € | 50.596 € | 47.975 € | 563 € |
| 6 | 143.286 € | 81.681 € | 57.306 € | 51.244 € | 580 € |
| 7 | 147.585 € | 78.897 € | 64.260 € | 54.488 € | 597 € |
| 8 | 152.012 € | 75.984 € | 71.468 € | 57.703 € | 615 € |
| 9 | 156.573 € | 72.938 € | 78.937 € | 60.881 € | 633 € |
| 10 | 161.270 € | 69.752 € | 86.680 € | 64.017 € | 652 € |
After 10 years
| Down payment | 24.000 € |
|---|---|
| Purchase costs (rough estimate, 5% of the price) | 6.000 € |
| One-off loan costs (rough estimate, 1,5% of the loan) | 1.440 € |
| Loan instalments paid | 64.032 € |
| of which interest | 37.784 € |
| Maintenance, insurance and property tax | 18.571 € |
| Property value | 161.270 € |
| Selling costs | −4.838 € |
| Remaining loan | −69.752 € |
| Investments (from lower monthly costs) | 0 € |
| Net wealth | 86.680 € |
| Rent paid | 68.783 € |
|---|---|
| Invested at the start | 31.440 € |
| Invested monthly (difference in costs) | 13.820 € |
| Investment gains | 18.757 € |
| Net wealth | 64.017 € |
Assumptions
- Both options spend the same amount every month: whoever has the lower monthly cost invests the difference at the investment return.
- The renter invests at the start what the buyer pays up front: the down payment, purchase costs and loan costs.
- The loan has a fixed rate and equal monthly instalments.
- Maintenance, insurance and property tax are a yearly percent of the property value; rent rises once a year.
- The property is sold at the end at the estimated value, minus selling costs and the remaining loan.
- No capital gains tax and no tax on investment returns. Amounts are nominal, not adjusted for inflation.
- Returns are an assumption, not a promise; investing carries risk.
- Purchase and loan costs are rough estimates; actual taxes and fees depend on the property and the location.
