Rent vs Buy Comparison
Compare discounted rental and ownership costs over an entered holding period.
Pre-filled values are examples, not personal facts or current local rates. Replace them before calculating.
Calculation method and references
Discount monthly cash flows; deduct discounted ending net sale equity from ownership outflows.
Method reviewed: 2026-09-08
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{"fields":[{"key":"price","label":["房屋購(gòu)買價(jià)","Purchase price"],"type":"number","value":2000000,"min":1,"max":1000000000,"step":"any"},{"key":"down","label":["首付比例 %","Down payment %"],"type":"number","value":30,"min":0,"max":100,"step":"any"},{"key":"rate","label":["貸款年利率 %","Annual mortgage rate %"],"type":"number","value":3,"min":0,"max":30,"step":"any"},{"key":"term","label":["貸款總期數(shù)（月）","Loan term in months"],"type":"number","value":360,"min":1,"max":600,"step":1},{"key":"rent","label":["當(dāng)前每月租金","Current monthly rent"],"type":"number","value":5000,"min":0,"max":1000000000,"step":"any"},{"key":"years","label":["比較年數(shù)","Comparison years"],"type":"number","value":5,"min":1,"max":40,"step":1},{"key":"rentGrowth","label":["租金年變化 %","Annual rent change %"],"type":"number","value":0,"min":-50,"max":50,"step":"any"},{"key":"houseGrowth","label":["房?jī)r(jià)年變化 %（假設(shè)）","Annual home value change %, assumed"],"type":"number","value":0,"min":-50,"max":50,"step":"any"},{"key":"investment","label":["資金年機(jī)會(huì)成本 %（假設(shè)）","Annual discount/opportunity rate %, assumed"],"type":"number","value":2,"min":-50,"max":50,"step":"any"},{"key":"buyCosts","label":["買入稅費(fèi)及手續(xù)費(fèi)合計(jì)","Purchase taxes and closing costs"],"type":"number","value":50000,"min":0,"max":1000000000,"step":"any"},{"key":"sellRate","label":["期末出售費(fèi)用占售出價(jià) %","Sale cost as % of final value"],"type":"number","value":2,"min":0,"max":100,"step":"any"},{"key":"annualOwner","label":["每年業(yè)主持有費(fèi)用","Annual owner-only expenses"],"type":"number","value":6000,"min":0,"max":1000000000,"step":"any"}],"title":["租房還是買房比較","Rent vs Buy Comparison"],"engine":"rent-buy","scope":["這是對(duì)輸入假設(shè)的比較，不預(yù)測(cè)房?jī)r(jià)，也不做購(gòu)房建議；稅費(fèi)、物業(yè)、維護(hù)等須按情景填全。","Scenario comparison, not a price forecast or buying recommendation. Enter all relevant taxes, maintenance and ownership costs."]}