Rent 对比 买 calculator

如何使用Rent 对比 buy calculator

它计算什么，何时使用

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

使用步骤

1. Enter the 价格、首付, mortgage 利率、期限.
2. Enter 每年 running costs、buying、selling costs 和 第 price grow 次.
3. Enter the rent件a similar home、its 每年 增加、the return you could earn on your cash.
4. Choose the number of 年 和 compare the cumulative costs.

各输入项的含义

• 税款、insurance、upkeep – A 每年 百分比 the home’s 数值.
• Rent 增加 – How much rent rises 每件 年份.
• Return on 投入 cash – What the 首付 和 buying costs could earn if you rented.

如何阅读结果

• Net 成本 buying – Costs 有薪 minus what you would 得 back on sale after repaying the mortgage.
• Net 成本 renting – Rent 有薪 minus the growth earned on the cash you kept.
• Pulls ahead after – The first 年份 buying becomes the cheaper option.

公式

Net 成本 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).

计算示例

For a 350,000 首页 with 20% down 以 6.5%、每月 rent 1,700、第 3% grow 次、buying costs about 144,889 net after 10 年、renting about 185,438、so buying 是 cheaper by about 40,549、pulls ahead after year 6.

假设与局限

• The renter invests the upfront cash 和 无 else.
• 否 税款 relief、否 maintenance surprises、rates. 的 no change
• The decision also depends on lifestyle 和 flexibility.

常见错误

• Treating the mortgage payment as the whole 成本 owning.
• Using an unrealistic 价格 growth 利率.

常见问题

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