Rentと購入 calculatorの比較

Rentとbuy calculatorの比較の使い方

何を計算するか、いつ使うか

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

使い方の手順

1. Enter the 価格、頭金, mortgage 利率、期間.
2. Enter 毎年 running costs、buying、selling costsとprice grow乗.
3. Enter the rent個でa similar home、its 毎年 増加、the return you could earn on your cash.
4. Choose the number of年とcompare the cumulative costs.

各入力項目の意味

• 税額、insurance、upkeep – the home’s 値. A 毎年 割合
• Rent 増加 – How much rent rises 1個あたり 年.
• Return on 投資額 cash – What the 頭金とbuying costs could earn if you rented.

結果の読み方

• buying Net 原価 – Costs 有給 minus what you would 付与 back on sale after repaying the mortgage.
• renting Net 原価 – Rent 有給 minus the growth earned on the cash you kept.
• Pulls ahead after – The first 年 buying becomes the cheaper option.

計算式

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

計算例

For a 350,000 ホーム with 20% down 適用 6.5%、月1,700 rent、3% grow乗、buying costs about 144,889 net after 10年、renting about 185,438、so buyingはcheaper by about 40,549です、pulls ahead after year 6.

前提と限界

• The renter invests the upfront cashとなし else.
• いいえ 税額 relief、いいえ maintenance surprises、rates.のno change
• The decision also depends on lifestyleとflexibility.

よくある間違い

• owning. Treating the mortgage payment as the whole 原価
• Using an unrealistic 価格 growth 利率.

よくある質問

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