Kalkulator nyewa utawa tuku
Bandhingake biaya jangka dawa nyewa karo tuku, kalebu perawatan, kenaikan rega lan dhuwit sing bakal panjenengan investasekake.
Babagan Kalkulator nyewa utawa tuku
Bandhingake biaya jangka dawa nyewa karo tuku, kalebu perawatan, kenaikan rega lan dhuwit sing bakal panjenengan investasekake.
Bagean saka seksi “KPR & properti” SmartCalcy. Lumaku ing browser panjenengan tanpa akun, nganggo mata uang lan satuan panjenengan dhewe (ganti ing sisih ndhuwur kaca), lan menehi perkiraan mung kanggo informasi, mula priksa pandhuan resmi sadurunge ngandelake asile.
Carane nganggo Kalkulator nyewa utawa tuku
Apa sing dietung lan kapan nganggo
Bandhingake biaya neto jangka dawa nyewa karo tuku omah sing padha, ngetung perawatan, biaya tuku lan adol, kenaikan rega lan apa sing bisa diasilake panyewa yen DP diinvestasikake.
Carane nganggo, langkah demi langkah
- Lebokna rega, DP, suku bunga KPR lan tenor.
- Lebokna biaya operasional saben taun, biaya tuku lan adol lan kenaikan rega.
- Lebokna sewa kanggo omah sing padha, kenaikan saben taun lan asil sing bisa diolehi saka dhuwit panjenengan.
- Pilih cacahe taun lan bandhingake biaya kumulatif.
Tegese saben input
- Pajak, insurance lan upkeep – A Saben taun persentase the home’s Nilai.
- Rent Mundhak – How much rent rises Saben siji taun.
- Return on Diinvestasikake cash – What the deposit and buying costs could earn if you rented.
Carane maca asile
- Net Modal buying – Costs paid minus what you would get back on sale after repaying the mortgage.
- Net Modal renting – Rent paid minus the growth earned on the cash you kept.
- Pulls ahead Sawise – The first year buying becomes the cheaper option.
Rumus
Net cost of buying = deposit + buying costs + mortgage payments + running costs − (sale value × (1 − selling costs) − mortgage balance). Net cost of renting = total rent − upfront cash × ((1 + return)^years − 1).
Conto petungan
For a 350,000 home with 20% down at 6.5%, rent of 1,700 a month and 3% growth, buying costs about 144,889 net after 10 years and renting about 185,438, so buying is cheaper by about 40,549 and pulls ahead after year 6.
Asumsi lan watesan
- The renter invests the upfront cash lan ora ana else.
- No pajak relief, no maintenance surprises lan no change ing rates.
- The decision also depends on lifestyle lan flexibility.
Kesalahan umum
- Treating the mortgage payment as the whole cost of owning.
- Using an unrealistic rega growth tarif.
Pitakonan sing kerep ditakokake
Kenapa tuku kalah ing wektu cendhak?
Biaya tuku lan adol gedhe, lan cicilan KPR wiwitan umume bunga.
Apa nyewa iku mbuwang dhuwit?
Sewa tuku papan dununge padha kaya bunga lan perawatan kanggo sing duwe omah. Bandhingake total biayane, kaya sing ditindakake piranti iki.
Piranti sing gegandhengan
Rincian
- Net Modal buying
- £144,889costs minus what you get back on sale
- Net Modal renting
- £185,438rent minus growth on the money you keep
- Buying pulls ahead Sawise
- 6 taun
Cumulative net Modal
| Taun | Tuku | Rent |
|---|---|---|
| 1 | £32,379 | £16,550 |
| 5 | £87,599 | £87,033 |
| 10 | £144,889 | £185,438 |