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Ground floor apartment Sant Feliu de Guíxols

435.000 €
  • VILA240524
  • 5
  • 3
  • 189.35 mts
News
TO BUY OR TO RENT, WHAT IS BETTER
 08

  JUN

TO BUY OR TO RENT, WHAT IS BETTER

What is more profitable, buying or renting a home? The great question. As usual, the answer is not simple. It depends on many variables, such as the place of residence, the type of housing, the profile of the tenant or owner and the current economic situation.

Mathematically, it is cheaper to contract a loan to acquire a home than to rent it. Suppose we want to rent an apartment of 75 square meters, the monthly payment to be paid would be about 850 euros per month. In the case of wanting to buy the same apartment, the price would be 130,000 euros. In general, banks grant financing for 80% of the purchase value, so that the mortgage would have an amount of 104,000 euros. It is necessary to take into account the savings provided of 20% and 10% of the purchase costs, in the case of new construction, 10% VAT must be added to the price of the house and 10% in the case of second-hand in concept of ITP. Let's think that the bank granted us the mortgage for 25 years (the total number of years depends on the age of the buyer) and an average fixed interest of 2.65%, the monthly bill would be 450 euros. With which we are saving 400 euros per month and in the end that house will be ours, in case of rent we will never have anything.

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