Property

Renting vs. a mortgage

Currency

Comparison horizon (years)

Buying with a mortgage

Property

Property price

Market

PCC tax (%)

Financing

Down payment (%)

Mortgage interest rate (% per year)

Loan term (years)

One-off costs

Notary fee

Land registry entry fee

Agent commission (% of price)

Bank fee (% of loan)

Ongoing costs & assumptions

Building/HOA fee

Renovation fund

Property tax

Home insurance

Annual property value growth (%)

Low down payment insurance (% per year)

Rent

Monthly rent

Extra costs

Building/HOA fee / mo.

Renter's insurance / mo.

Assumptions

Annual rent growth (%)

Return on invested savings (% per year)

Fill in the property price, rent and monthly ownership costs to see the comparison.