Rent vs Beli calculator

Cara menggunakan Rent vs Beli calculator

Apa yang dihitung dan kapan digunakan

Compare the long-term net cost renting with buying a similar home, counting upkeep, buying, dan selling costs, ke-price grow, dan what the renter could earn by investing the deposit.

Cara menggunakan, langkah demi langkah

1. Enter the Harga, Uang muka, mortgage Suku bunga, dan Jangka waktu.
2. Enter Tahunan running costs, buying, dan selling costs dan ke-price grow.
3. Enter the rent seharga a similar home, its Tahunan Kenaikan, dan the return you could earn on your cash.
4. Choose the number of tahun dan compare the cumulative costs.

Arti setiap input

• Pajak, insurance, dan upkeep – A Tahunan Persentase the home’s Nilai.
• Rent Kenaikan – How much rent rises Per buah Tahun.
• Return on Diinvestasikan cash – What the Uang muka dan buying costs could earn if you rented.

Cara membaca hasil

• Net Biaya buying – Costs Dibayar minus what you would Dapat back on sale after repaying the mortgage.
• Net Biaya renting – Rent Dibayar minus the growth earned on the cash you kept.
• Pulls ahead after – The first Tahun buying becomes the cheaper option.

Rumus

Net Biaya buying = deposit + buying costs + mortgage payments + running costs − (sale value × (1 − selling costs) − mortgage balance). Net cost renting = total rent − upfront cash × ((1 + return)^years − 1).

Contoh perhitungan

For a 350,000 Beranda with 20% down Pada 6.5%, rent 1,700 per bulan, dan ke-3% grow, buying costs about 144,889 net after 10 tahun, dan renting about 185,438, so buying adalah cheaper by about 40,549, dan pulls ahead after year 6.

Asumsi dan batasan

• The renter invests the upfront cash dan tidak ada else.
• Tidak Pajak relief, Tidak maintenance surprises, dan no change di rates.
• The decision also depends on lifestyle dan flexibility.

Kesalahan umum

• Treating the mortgage payment as the whole Biaya owning.
• Using an unrealistic Harga growth Suku bunga.

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