Rent contro Compra calculator

Come usare il Rent contro buy calculator

Cosa calcola e quando usarlo

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

Come si usa, passo dopo passo

1. Enter the Prezzo, Anticipo, mortgage Tasso e Durata.
2. Enter Annuale running costs, buying e selling costs e price growª.
3. Enter the rent per a similar home, its Annuale Aumento e the return you could earn on your cash.
4. Choose the number of anni e compare the cumulative costs.

Cosa significa ogni dato

• Imposta, insurance e upkeep – A Annuale Percentuale di the home’s Valore.
• Rent Aumento – How much rent rises Ciascuno Anno.
• Return on Investito cash – What the Anticipo e buying costs could earn if you rented.

Come leggere i risultati

• Net Costo di buying – Costs Retribuite minus what you would Ricevi back on sale dopo repaying the mortgage.
• Net Costo di renting – Rent Retribuite minus the growth earned on the cash you kept.
• Pulls ahead dopo – The first Anno buying becomes the cheaper option.

La formula

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

Un esempio pratico

For a 350,000 home with 20% down A 6.5%, rent di 1,700 al mese e 3% growª, buying costs about 144,889 net after 10 anni e renting about 185,438, so buying è cheaper by about 40,549 e pulls ahead after year 6.

Ipotesi e limiti

• The renter invests the upfront cash e niente else.
• No Imposta relief, no maintenance surprises e no change a rates.
• The decision also depends on lifestyle e flexibility.

Errori comuni

• Treating the mortgage payment as the whole Costo di owning.
• Using an unrealistic Prezzo growth Tasso.

Domande frequenti

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