Rent vs Buy
Should you rent or buy? Compare the true net cost of each over how long you'll stay — factoring in home equity, appreciation, and what you'd earn by investing the cash instead.
Buying
RM
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RM
Renting
RM
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Assumptions
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Verdict
Buying is cheaper
by about RM147,154.47 over 10 years
Net cost — buyRM64,447.00
Net cost — rentRM211,601.47
Monthly mortgageRM2,046.83
Home equity at endRM292,172.26
Property value at endRM671,958.19
Total rent paidRM247,619.79
Assumptions
- • Net cost of buying = down payment + buying costs + mortgage paid + ownership costs − home equity built.
- • Net cost of renting = total rent paid − investment growth on the cash a buyer would tie up.
- • Excludes selling/agent fees and tax effects. Monthly cash-flow differences are not reinvested.
Estimates only — outcomes depend heavily on your assumptions (appreciation, returns, rent growth). Not financial advice.