Buy vs rent

The real cost of each path over your life horizon — interest, taxes and appreciation included.

Property price (€)

Equivalent monthly rent (€)

Horizon (years)

Loan rate — TAN (%)

Down payment (%)

Estimated annual appreciation (%)

Simplified model: 30-year loan, 0.8%/year maintenance, rents rising 2%/year. For a tailored analysis, talk to us.

Net cost of buying over 8 years71 150 €

Interest 92 527 € + taxes/registration 21 687 € + maintenance 25 600 € − appreciation 68 664 €

Cost of renting over 8 years154 493 €

Buying tends to pay off

Estimated difference: 83 344 € after 8 years. The longer the horizon, the more buying wins.

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