Usporedite kupnju stana na kredit s najmom i ulaganjem novca koji biste inače uložili u kupnju. Pogledajte tko ostaje s više neto imovine, kada kupnja sustiže najam i koliko svaka opcija košta mjesečno.
Result
Buying leaves about 43.333 € more net wealth after 10 years.
Buying catches up with renting in year 4.
- Net wealth if you buy
- 111.637 €
- Net wealth if you rent
- 68.304 €
- Cash needed at the start
- 41.610 €
- Loan amount
- 120.000 €
Net wealth by year
Buy
Rent and invest
Year 1–10
Monthly costs in the first year
| Loan instalment | 620,23 € |
|---|---|
| Maintenance | 125,00 € |
| Insurance | 12,50 € |
| Property tax | 0,00 € |
| Owning, total per month | 757,73 € |
| Rent per month | 650,00 € |
Owning costs 107,73 € 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 | 154.500 € | 117.067 € | 32.798 € | 44.591 € | 650 € |
| 2 | 159.135 € | 114.020 € | 40.341 € | 47.503 € | 670 € |
| 3 | 163.909 € | 110.855 € | 48.137 € | 50.338 € | 690 € |
| 4 | 168.826 € | 107.568 € | 56.194 € | 53.087 € | 710 € |
| 5 | 173.891 € | 104.154 € | 64.521 € | 55.741 € | 732 € |
| 6 | 179.108 € | 100.607 € | 73.127 € | 58.289 € | 754 € |
| 7 | 184.481 € | 96.924 € | 82.023 € | 60.722 € | 776 € |
| 8 | 190.016 € | 93.098 € | 91.340 € | 63.151 € | 799 € |
| 9 | 195.716 € | 89.124 € | 101.202 € | 65.677 € | 823 € |
| 10 | 201.587 € | 84.997 € | 111.637 € | 68.304 € | 848 € |
After 10 years
| Down payment | 30.000 € |
|---|---|
| Purchase costs (taxes, notary, registration, agent) | 10.170 € |
| One-off loan costs (rough estimate, 1,2% of the loan) | 1.440 € |
| Loan instalments paid | 74.427 € |
| of which interest | 39.424 € |
| Maintenance, insurance and property tax | 18.915 € |
| Property value | 201.587 € |
| Selling costs | −6.048 € |
| Remaining loan | −84.997 € |
| Investments (from lower monthly costs) | 1.094 € |
| Net wealth | 111.637 € |
| Rent paid | 89.418 € |
|---|---|
| Invested at the start | 41.610 € |
| Invested monthly (difference in costs) | 4.975 € |
| Investment gains | 21.719 € |
| Net wealth | 68.304 € |
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.
