ABCDEFGHIJKLMNOPQRSTUVWXYZAAABACADAEAFAGAHAIAJAKALAM
1
Parameters (green are editable)YearComparisonScenario 1: buyScenario 2: rent and invest
2
HouseCostsCosts
3
Price of house€350,000Scenario 1: value of house
Scenario 2: value of investments
Down paymentNotary fees
Monthly mortgage
Yearly maintenance (accounted for inflation)
Yearly insurance (accounted for inflation)
Property tax
Total yearly costs
Monthly rent
Total yearly costs
Yearly costs from scenario 1Amount invested during year
Transaction tax
Value of investments
4
Mortgage - down payment percentage20%2024€350,000€132,927€70,000€43,750€1,336€3,500€150€800€134,229€979€11,749€134,229€122,480€147€132,927
5
Down payment€70,0002025€364,777€153,781€0€0€1,336€3,564€153€815€20,560€996€11,952€20,560€8,608€10€153,781
6
Mortgage - interest rate1.38%2026€380,178€176,306€0€0€1,336€3,628€155€829€20,642€1,013€12,158€20,642€8,484€10€176,306
7
Mortgage - number of years202027€396,230€200,644€0€0€1,336€3,694€158€844€20,725€1,031€12,368€20,725€8,357€10€200,644
8
Monthly mortgage€1,3362028€412,959€226,951€0€0€1,336€3,761€161€860€20,811€1,048€12,582€20,811€8,229€10€226,951
9
Notary fees - percentage12.50%2029€430,394€255,394€0€0€1,336€3,829€164€875€20,898€1,067€12,799€20,898€8,099€10€255,394
10
Notary fees - amount€43,7502030€448,565€286,157€0€0€1,336€3,899€167€891€20,986€1,085€13,020€20,986€7,966€10€286,157
11
Yearly maintenance (% of value of property)1%2031€467,504€319,437€0€0€1,336€3,970€170€907€21,076€1,104€13,245€21,076€7,831€9€319,437
12
Yearly maintenance€3,5002032€487,242€355,450€0€0€1,336€4,042€173€924€21,167€1,123€13,474€21,167€7,694€9€355,450
13
Yearly insurance€1502033€507,814€394,431€0€0€1,336€4,115€176€941€21,261€1,142€13,706€21,261€7,554€9€394,431
14
Property tax€8002034€529,254€436,633€0€0€1,336€4,190€180€958€21,356€1,162€13,943€21,356€7,412€9€436,633
15
Increase in consumer goods prices (consumer price index)
1.82%2035€551,599€482,334€0€0€1,336€4,266€183€975€21,452€1,182€14,184€21,452€7,268€9€482,334
16
Yearly price appreciation (house price index)4.22%2036€574,888€531,833€0€0€1,336€4,343€186€993€21,551€1,202€14,429€21,551€7,122€9€531,833
17
Rent2037€599,160€585,457€0€0€1,336€4,422€190€1,011€21,651€1,223€14,678€21,651€6,973€8€585,457
18
Monthly rent€9792038€624,457€643,561€0€0€1,336€4,502€193€1,029€21,753€1,244€14,932€21,753€6,821€8€643,561
19
Yearly rent increase (health index)1.73%2039€650,822€706,529€0€0€1,336€4,584€196€1,048€21,857€1,266€15,190€21,857€6,667€8€706,529
20
Passive investing2040€678,300€774,781€0€0€1,336€4,667€200€1,067€21,963€1,288€15,452€21,963€6,511€8€774,781
21
Transaction tax0.12%2041€706,938€848,770€0€0€1,336€4,752€204€1,086€22,071€1,310€15,719€22,071€6,351€8€848,770
22
Yearly return8.66%2042€736,785€928,991€0€0€1,336€4,838€207€1,106€22,180€1,333€15,991€22,180€6,190€7€928,991
23
2043€767,893€1,015,980€0€0€1,336€4,926€211€1,126€22,292€1,356€16,267€22,292€6,025€7€1,015,980
24
2044€800,313€1,110,321€0€0€1,336€5,015€215€1,146€22,406€1,379€16,548€22,406€5,858€7€1,110,321
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100