Prices for renting and buying an apartment. Experts say what pays off more
At a time when the feet of the foot are all over the place, many people are wondering whether the enabling is easy to do, and it is only at the time that the Otodom website is. The application can be for one loan if we invest considerable money in it in advance.
High own contribution
How to cost, own power in the amount of 20% of the amount of the limit of the amount of the temporary limit, so that the repair itself is from the rental company. However, the amount of the installment amount is not paid on the lease. Why? – as rats increase, the percentage decreases with repayment. It is pure technical service and it may be profitable to pay the amount paid by the owner of the apartment – says Karolina Klimaszewska, an Otodom expert. The situation is different with the capital installment, which we can treat as an investment. After all, we pay for which our apartment will ultimately be. Up to the amount of the interest installment, you charge costs, such as rent to the cooperative. For interest, that the interest rate + interest = rent charges for rents for the rented apartment. And we can compare the two.
Currently, the reference rate is 6.5%. This means that in order for the installment to be competitive in price with the rent, the same payment of the share than the initial one. Where, then, is the cheapest and where is the most expensive? The results are surprising. In Chorzów or Gorzów Wielkopolski, we would need as much as 60% of the current contribution. The situation is a bit better in Białystok, Gdynia and Kielce – 52%. It will be common to be in such locations. Wałbrzych, Elbląg and Legnica came to the other end of the scale. There, we do not even need a 20% contribution to make the installment equal to the rental amount. In the middle of the ad, cities such as contributions in Kraków (46%), Poznań (43%) and Warsaw (42%) appeared.
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Development situation
Does this mean that we will be left to rent an apartment forever? Not necessarily, especially as there are fewer of these. There are currently 40% less rental offers on the Otodom website than a year ago. – The lease is a seasonal category. The most intense, i.e. from August to September, is still ahead of us. With increased demand and you should join the growth for rent. There were peaks that were to show us, these increases – notes Karolina Klimaszewska. In addition, a loan is a long-term investment. It may be hard right now what the interest rate will look like in 5 or 10 years.
Many people suffer from drastically reduced creditworthiness. However, this rule is not to treat the valuation in the table as a judgment. – Karolina does not tell us to translate this opportunity on occasions, through various programs that test, you can like it, it does not end well for us – Klimaszewska. Thanks to this, in the event of rebuilding creditworthiness, or saving funds for a higher contribution, our ratio of what type of property suits us.