Property - buy vs rent
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1
Property Cost
Downpayment
Loan yearsInterest rate
Furnishing
& Reno
Costs
Property
Returns
Less
Maintenance
Alternative
Investment
Returns
Rental
Inflation
p.a.
2
1,500,000150,000304.5%75,0005.5%8.0%2.8%
3
4
Monthly
Repmt
Property
Future Value
5
6,8407,475,927
6
7
S&P Legal
S&P
Stamp Duty
Loan Legal
Loan
Stamp Duty
Total
Legal
8
12,50039,00011,4506,75069,700
9
10
Total initial
cash outlay
Investment of
Cash outlay
Future value
11
294,7002,965,465
12
13
Current
Monthly
Rental
Current
Rental
Yield
Invested
Cash Outlay
Future Value
Invested
Installment
Future Value
Less
Rental Cost
Future Value
Net Total
Investment
Future Value
Renter's
"Gain/Loss"
Monthly Rental
at end of
Loan Years
FV in Equivalent
Rental Years
14
1,8751.5%2,965,46510,194,4343,709,7159,450,1841,974,2574,2311862233.49025833.333333330.9714285714
15
2,1251.7%2,965,46510,194,4344,204,3448,955,5551,479,6284,7951560.03
16
2,3751.9%2,965,46510,194,4344,698,9728,460,926984,9995,359132
17
2,6252.1%2,965,46510,194,4345,193,6017,966,298490,3715,9241127.7113207793.506557897-0.02898753687
18
2,8752.3%2,965,46510,194,4345,688,2307,471,669-4,2586,48896-3.506557897
19
3,1252.5%2,965,46510,194,4346,182,8586,977,040-498,8877,05282
20
3,3752.7%2,965,46510,194,4346,677,4876,482,412-993,5157,616714.2047628820.008266664268
21
3,6252.9%2,965,46510,194,4347,172,1165,987,783-1,488,1448,18061508.6408188
22
3,8753.1%2,965,46510,194,4347,666,7445,493,154-1,982,7738,74452
23
4,1253.3%2,965,46510,194,4348,161,3734,998,526-2,477,4019,30845508.64081880.008266664268
24
4,3753.5%2,965,46510,194,4348,656,0024,503,897-2,972,0309,87338
25
4,6253.7%2,965,46510,194,4349,150,6304,009,268-3,466,65910,43732
26
4,8753.9%2,965,46510,194,4349,645,2593,514,640-3,961,28711,00127
27
5,1254.1%2,965,46510,194,43410,139,8883,020,011-4,455,91611,56522
28
5,3754.3%2,965,46510,194,43410,634,5162,525,382-4,950,54512,12917
29
5,6254.5%2,965,46510,194,43411,129,1452,030,754-5,445,17312,69313
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