Comparison Renting/Buying


Calculation examples renting/buying
We’ve made some sample calculations based on actual situations in Amsterdam, Amstelveen, Rotterdam, The Hague and Delft.


Amsterdam

Amsterdam (eastern docks) Barcelonaplein 67 
Rent
Barcelonaplein 61 
Buy
Characteristics 75m2, 3 rooms, balcony 70m2, 3 rooms, balcony
Rent/Purchase price €1.650 p/m €300.000
Nett mortgage costs 10yr fixed   €1.009 p/m
Reservation maintenance/VVE   € 92 p/m
Homeowner taxes & insurance   € 27 p/m
Total monthly costs €1.650 p/m €1.128 p/m
Difference with rent   € 522 p/m nett
Total savings after 5 yr   €31.320
Residual debt after 5 yr   €263.587 (-12%)


Amsterdam South
(Buitenveldert)
Oldengaarde 50
Rent
Oldengaarde 50
Buy
Characteristics 75m2, 3 rooms, balcony 75m2, 3 rooms, balcony
Rent/Purchase price €1.900 p/m €285.000
Nett mortgage costs 10yr fixed   € 926 p/m
Reservation maintenance/VVE   € 174 p/m
Homeowner taxes & insurance   € 26 p/m
Total monthly costs €1.900 p/m €1.126 p/m
Difference with rent   € 774 p/m nett
Total savings after 5 yr   €46.440
Residual debt after 5 yr   €250.407 (-12%)


Amsterdam South/West
(Vondelpark)
Amstelveenseweg 122
Rent
Amstelveenseweg 12
Buy
Characteristics 70m2, 2/3 rooms, balcony 68m2, 3 rooms, balcony
Rent/Purchase price €1.750 p/m €398.000
Nett mortgage costs 10yr fixed   €1.292 p/m
Reservation maintenance/VVE  € 80 p/m € 168 p/m
Homeowner taxes & insurance   € 32 p/m
Total monthly costs €1.830 p/m €1.493 p/m
Difference with rent   € 337 p/m nett
Total savings after 5 yr   €20.220
Residual debt after 5 yr   €349.692 (-12%)


Amstelveen

Amstelveen Bankrashof 89
Rent
Bankrashof 81
Buy
Characteristics 111m2, 4 rooms, balcony west 111m2, 4 rooms, balcony south
Rent/Purchase price €1.900 p/m €325.000
Nett mortgage costs 10yr fixed   €1.055 p/m
Reservation maintenance/VVE € 189 p/m
Homeowner taxes & insurance   € 43 p/m
Total monthly costs €1.900 p/m €1.288 p/m
Difference with rent   € 612 p/m nett
Total savings after 5 yr   €36.720
Residual debt after 5 yr   €285.552 (-12%)


The Hague

The Hague
(Bezuidenhout)
Theresiastraat 103 A
Rent
Theresiastraat 335
Buy
Characteristics 85m2, 2 rooms, balcony 84m2, 4 rooms, balcony, renovated
Rent/Purchase price €1.500 p/m €259.000
Nett mortgage costs 10yr fixed   €871 p/m
Reservation maintenance/VVE € 75 p/m
Homeowner taxes & insurance   € 31 p/m
Total monthly costs €1.500 p/m €977 p/m
Difference with rent   € 523 p/m nett
Total savings after 5 yr   €31.380
Residual debt after 5 yr   €227.564 (-12%)


The Hague
(Voorhout)
Turfhaven 52
Rent
Turfhaven 36
Buy
Characteristics 75m2, 3 rooms, balcony, no parkingspace 90m2, 3 rooms, balcony, own parkingspace
Rent/Purchase price €1.900 p/m €435.000
Nett mortgage costs 10yr fixed   €1.444 p/m
Reservation maintenance/VVE € 153 p/m
Homeowner taxes & insurance   € 45 p/m
Total monthly costs €1.900 p/m €1.642 p/m
Difference with rent   € 258 p/m nett
Total savings after 5 yr   €15.480
Residual debt after 5 yr   €382.201 (-12%)


Rotterdam

Rotterdam (Blijdorp) Schepenstr. 36C
Rent
Schepenstr. 89a
Buy
Characteristics 121m2, 3 rooms, terras 135m2, 3 rooms
Rent/Purchase price €1.595 p/m €300.000
Nett mortgage costs 10yr fixed € 994 p/m
Reservation maintenance / VVE € 100 p/m
Homeowner taxes & insurance €  73  p/m
Total monthly costs €1.595 p/m €1.167 p/m
Difference with rent € 428 p/m nett
Total savings after 5 yr € 25.680
Residual debt after 5 yr €263.587 (-12%)


Rotterdam (centre) Kruisplein 780
Rent
Kruisplein 674
Buy
Characteristics 70m2, 2 rooms, 18 th floor 72m2, 2 rooms, 8 th floor
Rent/Purchase price €1.750 p/m €299.000
Nett mortgage costs 10yr fixed € 990 p/m
Reservation maintenance / VVE € 152 p/m
Homeowner taxes & insurance €  8 8  p/m
Total monthly costs €1.750 p/m €1.230 p/m
Difference with rent € 480 p/m nett
Total savings after 5 yr € 28.800
Residual debt after 5 yr €262.708 (-12%)


Rotterdam (centre) Bulgersteyn 7173
Rent
Bulgersteyn 7095
Buy
Characteristics 90m2, 3 rooms, box 93m2, 3 rooms, box
Rent/Purchase price €1.625 p/m €275.000
Nett mortgage costs 10yr fixed € 911 p/m
Reservation maintenance / VVE € 85 p/m € 156 p/m
Homeowner taxes & insurance €  69  p/m
Total monthly costs €1.710 p/m €1.136 p/m
Difference with rent € 574 p/m nett
Total savings after 5 yr € 34.440
Residual debt after 5 yr €241.621 (-12%)


Delft

Delft Jordaniëstr. 24
Rent
Jordaniëstr. 62
Buy
Characteristics 110m2, 6 rooms, garden 110m2, 6 rooms, garden
Rent/Purchase price €1.495 p/m €250.000
Nett mortgage costs 10yr fixed € 842 p/m
Reservation maintenance / VVE € 100 p/m
Homeowner taxes & insurance € 67 p/m
Total monthly costs €1.495 p/m €1.010 p/m
Difference with rent € 485 p/m nett
Total savings after 5 yr € 29.100
Residual debt after 5 yr €229.656 (-12%)

You can read more about the pros and cons between renting or buying here.