Rent or Buy?
Compare renting and buying costs over your chosen period
Rent Parameters
€
200€2000€
%
0%10%
Purchase Parameters
€
30000€500000€
%
15%80%
22 500 €
EURIBOR (6 mo.)2.295%
%
1%3%
Total Rate3.79%
m.
5 m.30 m.
€
€
%
0%2%
From property value
Investment Assumptions
%
-5%10%
%
0%12%
If you buy — you lose the opportunity to invest the down payment. What return would you get elsewhere?
m.
5 m.40 m.
Buying pays off after 7 years
Rent costs over 20 years
€161 222
Purchase costs (net)
€−9 641
Savings
€170 863 by buying
Accumulated Assets
€234 973
Cost Comparison Over Time
Break-even point: 7 years
Sensitivity: when does buying pay off? (years)
| Rent increase ↓ / Value growth → | 0% | 3% | 5% |
|---|---|---|---|
| 1% | >20 | 8 m. | 4 m. |
| 3% | >20 | 7 m. | 4 m. |
| 5% | 18 m. | 7 m. | 4 m. |
Green = pays off quickly, red = takes long or doesn't pay off
Frequently Asked Questions
Calculations are indicative and do not reflect exact market conditions. Real estate values can both rise and fall.
EURIBOR 6 mo.: 2.295%. Rent price growth and property value changes depend on market conditions.