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Buy vs rent
Compare what you actually spend over your chosen horizon. Buying cost counts the down payment, mortgage interest and ownership costs — repaid principal stays your equity and is excluded. No house-price growth is assumed.
Buying costs less over this period
€23,116
Difference in money spent, excluding any change in property value.
Cost of buying (10 years)
€128,207
Monthly payment €1,001 · interest €60,207 · equity built €59,942
Cost of renting (10 years)
€151,323