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 mesečno.
Result
Buying leaves about 25.896 € more net wealth after 10 years.
Buying catches up with renting in year 4.
- Net wealth if you buy
- 72.905 €
- Net wealth if you rent
- 47.009 €
- Cash needed at the start
- 25.200 €
- Loan amount
- 80.000 €
Net wealth by year
Buy
Rent and invest
Year 1–10
Monthly costs in the first year
| Loan instalment | 444,67 € |
|---|---|
| Maintenance | 83,33 € |
| Insurance | 8,33 € |
| Property tax | 25,00 € |
| Owning, total per month | 561,33 € |
| Rent per month | 450,00 € |
Owning costs 111,33 € 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 | 103.000 € | 78.228 € | 22.197 € | 27.568 € | 450 € |
| 2 | 106.090 € | 76.374 € | 27.064 € | 29.909 € | 464 € |
| 3 | 109.273 € | 74.435 € | 32.106 € | 32.218 € | 477 € |
| 4 | 112.551 € | 72.407 € | 37.330 € | 34.489 € | 492 € |
| 5 | 115.927 € | 70.286 € | 42.743 € | 36.718 € | 506 € |
| 6 | 119.405 € | 68.068 € | 48.352 € | 38.898 € | 522 € |
| 7 | 122.987 € | 65.747 € | 54.165 € | 41.024 € | 537 € |
| 8 | 126.677 € | 63.320 € | 60.190 € | 43.089 € | 553 € |
| 9 | 130.477 € | 60.782 € | 66.433 € | 45.087 € | 570 € |
| 10 | 134.392 € | 58.127 € | 72.905 € | 47.009 € | 587 € |
After 10 years
| Down payment | 20.000 € |
|---|---|
| Purchase costs (rough estimate, 4% of the price) | 4.000 € |
| One-off loan costs (rough estimate, 1,5% of the loan) | 1.200 € |
| Loan instalments paid | 53.360 € |
| of which interest | 31.487 € |
| Maintenance, insurance and property tax | 16.049 € |
| Property value | 134.392 € |
| Selling costs | −3.360 € |
| Remaining loan | −58.127 € |
| Investments (from lower monthly costs) | 0 € |
| Net wealth | 72.905 € |
| Rent paid | 61.905 € |
|---|---|
| Invested at the start | 25.200 € |
| Invested monthly (difference in costs) | 7.504 € |
| Investment gains | 14.305 € |
| Net wealth | 47.009 € |
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.
