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Financiën

Renting or buying a house

Door Alapty teamBewerkt op 15-7-20251 min lezen
Renting or buying a house

house

Simplified model — real outcomes will differ

This calculator uses assumptions about appreciation, investment returns, and holding costs. It does not include mortgage interest tax deductions (NL: hypotheekrenteaftrek), rent increases, or market timing effects. Use it to build intuition, not to make a final decision. Always consult a financial advisor before buying property.

Property & mortgage

€70.000

Monthly mortgage payment€1.418,72

Comparison

Comparable rental

After 10 years

Buying

Down payment€70.000
Purchase costs€17.500
Mortgage payments€170.246
Ownership costs€61.528
Net sale proceeds−€236.713
Net cost€82.561

Renting

Total rent paid€180.000
Down payment invested−€44.023
Net cost€135.977

Buying saves €53.416 over 10 years

Buying comes out ahead under these assumptions — but the margin depends heavily on appreciation and how long you stay.

Past home appreciation is not guaranteed. This model does not include mortgage interest tax deduction, rent increases, or inflation. Consult a financial advisor before major property decisions.