Rent vs Buy

▶ Simulation parameters

Loan

Nominal rate (%)

Insurance (%/year)

Acquisition fees

Notary (%)

Agency (%)

Included in price

Bank fees (€)

Guarantee (%)

Renovation value ratio (%)

Owner charges

Property tax (€/year)

Maintenance (€/year)

Rental

Rent indexation (%/year)

Rental agency (months)

Surface (sqm, optional)

Market assumptions

Property growth (%/year)

Investment return, net of tax (%/year)

Projection

Horizon

Monthly budget

Initial capital

Show gold reference (100% invested, no housing)

Buy

Purchase price (fees incl.)

Down payment (% of project)

Loan duration

Renovation

Rent

Monthly rent

Charts

Detailed summary

Cash return (€)

Net worth − total cash injected. Positive = net gain, negative = housing cost you.

Cash return (%)

Same as above, as a percentage of total cash injected. +20% = 20% return on money put in.

Rent vs Buy

Projection

Buy

Rent

Cash return (€)

Cash return (%)

Net worth

Cumulative sunk costs

Buy summary

Rent summary

Summary table