Rent contra Compre calculator

Como usar a Rent contra buy calculator

O que calcula e quando usar

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

Como usar, passo a passo

1. Enter the Preço, Entrada, mortgage Taxa e Prazo.
2. Enter Anual running costs, buying e selling costs e price grow.ª.
3. Enter the rent por a similar home, its Anual Aumento e the return you could earn on your cash.
4. Choose the number of anos e compare the cumulative costs.

O que significa cada campo

• Imposto, insurance e upkeep – A Anual Porcentagem de the home’s Valor.
• Rent Aumento – How much rent rises Cada Ano.
• Return on Investido cash – What the Entrada e buying costs could earn if you rented.

Como ler os resultados

• Net Custo de buying – Costs Pagas minus what you would Leve back on sale depois repaying the mortgage.
• Net Custo de renting – Rent Pagas minus the growth earned on the cash you kept.
• Pulls ahead depois – The first Ano buying becomes the cheaper option.

A fórmula

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

Um exemplo prático

For a 350,000 Início with 20% down A 6.5%, rent de 1,700 por mês e 3% grow.ª, buying costs about 144,889 net after 10 anos e renting about 185,438, so buying é cheaper by about 40,549 e pulls ahead after year 6.

Premissas e limites

• The renter invests the upfront cash e nada else.
• Não Imposto relief, Não maintenance surprises e no change em rates.
• The decision also depends on lifestyle e flexibility.

Erros comuns

• Treating the mortgage payment as the whole Custo de owning.
• Using an unrealistic Preço growth Taxa.

Perguntas frequentes

Ferramentas relacionadas