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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.

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Estimates only — outcomes depend heavily on your assumptions (appreciation, returns, rent growth). Not financial advice.