Rent vs Buy Calculator
Compare the financial impact of renting versus buying a house. Calculate monthly costs, tax benefits, and understand the long-term implications of both options.
Important to know:
The calculations are indicative and may differ from your actual possibilities. For personal advice and exact calculations, we recommend contacting a mortgage advisor.
Important factors to consider:
- • Renting offers more flexibility but no equity building
- • Buying involves one-time costs but builds equity
- • Property values can increase (or decrease) over time
- • Maintenance costs are for the homeowner
- • Location matters: Amsterdam vs Utrecht vs Rotterdam have different cost structures
- • Consider your life stage and mobility needs
Is this your first property purchase or have you not used the transfer tax exemption before?
Are you under 35 years old?
Total Buyers Costs
€ 13.500(3.4%)
Deposit or Bank Guarantee
When signing the purchase agreement, you must either pay a deposit of 10% of the purchase price (€ 40.000) or arrange a bank guarantee.
Transfer tax is a tax paid when purchasing a property. First-time buyers under 35 are exempt up to €555,000. For others, the rate is 2% of the purchase price.
The notary prepares the purchase deed and mortgage deed and handles the transfer. These costs include preparing both deeds and conducting necessary research.
A mortgage advisor helps you choose the right mortgage and handles the application. This amount includes advice, mediation, and mortgage application.
A valuation report is usually required for the mortgage application. A certified appraiser determines the market value and assesses the property's condition.
Check Calcasa.nl for potentially cheaper valuation reportsA building inspection examines the technical condition of the property. This provides insight into potential defects and future maintenance costs.
A bank guarantee is an alternative to the deposit. This guarantee usually costs 1% of the deposit amount and provides security for the seller.
A buying agent assists you in purchasing a property. The costs are usually 1-2% of the purchase price with a maximum of €5,000.
Please note:
This overview provides an indication of the costs involved in purchasing a property. Actual costs may vary depending on your personal situation and the service providers you choose. We recommend requesting quotes for complete certainty.
Related Tools & Resources
Rent vs. Buy Comparison
This comparison helps you make an informed decision between renting and buying.
Mortgage Settings
This calculator assumes a 30-year annuity mortgage. You can adjust these settings below.
I pay sewer and waste fees as a renter
Include estimated maintenance costs (1% per year)
Include tax benefits
Monthly Homeowners Association fees
Include OZB, sewer tax, and waste fees
Rental Costs
Base rent:
€ 1.200
Total rental costs:
€ 1.200
per month
Buying Costs
Gross mortgage:
€ 1.910
Principal repayment:
- € 576
Net mortgage costs:
€ 1.334
Tax benefit:
- € 164
Maintenance costs:
+ € 333
Municipal taxes:
+ € 72
Net monthly costs:
€ 1.575
Monthly Difference
+€ 375
Buying is more expensive than renting
Building Equity
First year repayment:
€ 6.912
Total Mortgage Costs
Total interest:
€ 287.600
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