The renter invests the down payment and, each month, the difference between the cost of owning (mortgage + ownership costs) and rent. The buyer ends with the home value minus the remaining loan. Buying and selling costs are not included.
FAQ
Is it better to rent or buy?
With the default numbers above – Home equity (buying): 3 178 277 kr.
Standard financial formulas (monthly compounding). Change any input to match your situation.