this post was submitted on 11 Feb 2025
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[–] KaRunChiy@fedia.io 29 points 1 year ago (3 children)

≥ Mortgage You lost me there, renting is much more expensive than paying a mortgage off

[–] kryptonidas@lemmings.world 12 points 1 year ago (2 children)

My rent is around 1800 euro, if I’d buy this apartment, my mortgage would be around 3000. That’s for more than half a mil. After 30 years I’d have paid off more than a mil.

The company I rent from just got their financing much earlier, and in very big quantities. (Eg it has 100s to 1000s apartments and houses.)

Every year I make more money, every year the place I live is more difficult to buy.

[–] ZombiFrancis@sh.itjust.works 3 points 1 year ago (1 children)

One key difference between renting and buying is that you can then sell the apartment or house. You can't claw back rent after being a good tenant for 30 years.

[–] kryptonidas@lemmings.world 3 points 1 year ago

True true, I try to invest most of the difference, hopefully that will be worth something too when I need it.

[–] michaelmrose@lemmy.world 2 points 1 year ago (1 children)

If you lived in America your rent would be 3000 and your mortgage 3000. 10 years from now you would be paying 4000 whilst they continue to pay 3000 or 2000 even if they bought during any of the 4 crashes we have had in the last 20 years.

[–] kryptonidas@lemmings.world 1 points 1 year ago

True, mortgage does not increase over time. As long as I stay put it is somewhat limited but over enough time that will be a significant factor.

[–] michaelmrose@lemmy.world 8 points 1 year ago

Yep if you rent for 60 years you'll have nothing and spend more by far than the cost of the mortgage.