Huren of kopen calculator
The detailed guide below is currently available in English.
What actually decides rent versus buy
Buying front-loads costs — down payment, closing costs, interest — and recovers much of it through equity when you sell. Renting is simpler money: a predictable monthly cost with nothing recovered. The breakeven therefore hinges on how long you stay: transaction costs need years of ownership to amortize, which is why short stays usually favor renting and long stays favor buying, with appreciation and relative rent levels shifting the line.
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Why does the owning side ignore taxes and maintenance?
Those vary enormously by location and home — property tax from 0.2% to 2.5% of value per year, upkeep from 1% upward. Add your own yearly estimate to the buying total before acting on the result.
Does this account for investing the down payment instead?
No. Money not tied up in a down payment could earn returns elsewhere, which favors renting; guaranteed "return" from avoided interest favors buying. Run both scenarios if the result is close.