Rent or Buy in Europe - Professional Investor Explains

[@thetomcrosshill]

Add your perspectives in the comments - do you rent or buy, and why? How has your experience been?

[@RRedmondiy43]

In England people treat houses as investments which causes problems for people who can’t afford to buy. English culture sees home ownership as a life goal, and a way to profit for your retirement if you have more than one home. It’s quite sad really as they just hurt others

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[@sabakag]

Bought house in 2017. Now it is 2 times more expensive (from 150k to 300k). Not only that, but I pay 300 Eur monthly loan to the bank. If I would rent similar house it would cost at least 1000 Eur per month.

[@drbazian3194]

You make many assumptions that "favor" your personal choice. Housing prices can go up extremely, like my home has in the Netherlands, for example. There are also tax benefits that help home ownership that are not available to renters. There is also no gaurantee that a landlord will fix things as you hope. Many rental contracts force you to do maintance... and lets not forget about yearly rent increases. Buying has more advantages in my situation.

[@RUBEN6724]

You just did the same justifying yours.

[@artempriadko6974]

My house in Ukraine was destroyed. I am renting a small house in UK now. Economic recession is currently developing in UK, high prices for properties are moving towards crashing in next couple of years. Renting and investing would be a better choice.

[@petrpalecka5932]

It's called free lunch. The government needs to keep the mortgage mill running, so therefore it provides tax cuts to those who contract mortgages. But why should it do over the renters? It's a subsidy. In a country where I live, few properties are built. The prices of purchasing properties have gone through the roof. Also, there is a high degree of nimbyism. So why should the taxpayer support this twisted system? It would be a good idea to scrap this benefit altogether.

[@Betweoxwitegan]

I find maintenance costs to be overexagerated by the 1-2% figure and also many landlords won't come or organize fixes even if it's their legal obligation Then of course if you're renting not only can you not remodel to your precise liking but you also probably can't install solar pannels, a heat pump or install triple glazed windows for example Buying is almost always better long term financially speaking but renting can increase flexibility

[@kalex381]

I rented from 1997 to 2013 in London. Average rent I paid across period 1500 excluding property taxes that burden the renter ( council tax for example). Total spent on rent £288k. I decided to buy. My mortgage now is £1.5k per month whereas renting same house is 2.5k per month. Of the 1.5k I pay, 500 is repayment of mortgage. So I am better off every month by £1.5k. Because I pay down mortgage, the monthly cost is pretty much fixed whereas rents go up every year. in summary , even when taking maintenance into account i am substantially better off. Wish I had the brains to buy sooner and not listen to those who say renting is better. Remember when you rent, someone else owns the place and makes money off you.

[@patriciaayuso5470]

I liked your video because you showed different perspectives. I'd like to add some others. One, if you buy a house and need to move to another one (bigger), you can rent yours, not sell it. I agree on renting cheat early in your career if you invest your money or, like your friend, my opinion is, you better buy if you can.

[@ninobk196]

I've owned my home since I was 27 years old, and I have about 6 rental properties. Now I'm moving to Spain at 52 and renting but we'll see how long I will stay a renter. I'm a designer so having a place where I can put a stamp on is important. That said..there are so many conveniences to renting as you mentioned. The thing I am concerned about the most is the fluctuating and increasing rents, and being exposed to that. I may buy something cheap that I can sell later, rather than a forever home. I need to do the numbers. I'm also thinking that selling and buying homes in the US is significantly easier than Europe, so to offload the property in Spain may not be so easy. I see it as this, if I am going to spend 1K a month or 12k a year. I can buy a place. When I sell it, as long as I get all the money back that I spent (even if I don't make any money but I don't lose anything either) and break even, that's fine with me.

[@AigarsLasmanis]

I bought my first apartment in newly built house in 2019. Sold it in 2022. In 3 years time its value increased by 16%. I bought a new house which value was higher than the price of selling my apartment. In Latvia you dont have to pay income tax if you buy a more expensive property within 1 year of selling previous one. I bought a house because renting seemed more expensive and not a lot of good options to rent. Also we did our house interiour just how we wanted. We can do anything there without ones approval. Bare in mind that new apartment/house has 2 years warranty. Also new appliances. Not really any maintenance costs within first years. I would even say nothing much within first 5 years of a new building. Also your landlord can kick you out after a year and good luck moving. I dont know how long I will be living in my house. I just know that I am paying down my house while its value is increasing. Sure first years is mostly interest payment. I guess in the end I like that I am owning a property which I think is still an investment.

[@petrpalecka5932]

Interesting topic, thank you! One point to note with the mortgage, especially in recent years is that with the changes of interest rates, the mortgage payments can vary a lot over time. Another thing is that the funds one bought the house with are not the same as the current value of the property. Currencies depreciated significantly within the last 10 years, so to make a direct comparison between now and then is misleading. Agreed, the prices of real estate have generally gone up higher than the inflation, but so have also the services, etc.

[@frankg.39]

There's a difference between owning a house and renting it. When you own it it's yours, you get attached to it, you like to change it the way you want.

[@kalex381]

He forgot to mention rents going up every year…..and the risk of landlord terminating your tenancy agreement and forcing you to move -> more expenses…finally, a rented home is not feeling like a home..often too many restrictions

[@passenger175]

Yeah, as others have said he's very biased since he's a renter. I wrote a comment saying that renting is either for those who cannot afford buying or those who can tolerate getting ejected, price hikes. That comment was deleted 🙂

[@claudine9662]

Also... not all landlords are created equal, and if you have an unresponsive one, you end up fixing stuff yourself anyway. Even if the law is on your side, it's usually not worth the time and effort to go that route, in situations like this. Then you end up in an unstable, unhappy situation. Not a great feeling for the basic need of a home.

[@7ujt67u]

Good overview! However I did not get an example of the possibility of using a loan as leverage for the stock market instead of mortgage. So a rate and an amount would be completely different. Levaraged ETFs have their own neances. So I do not see really how this idea (if it makes sense anyway) of getting mortgage to get leverage can be replicated with stock market and some kind of loan.

[@TheMarcoAlegria]

Great video! Just one thing that came to mind is that if you can't afford to buy a house cash whenever you like I feel like you need to buy one early enough so that you can pay off the mortgage by the time you retire because you don't want to be paying rent or a mortgage at that point. What's your thoughts on buying for retirement? So that your expenses are lower at that point

[@thetomcrosshill]

It really depends on your overall financial and life strategy! What you say can make a lot of sense for someone who will primarily live off their pension and stay put throughout retirement. Then again, if one invests and builds up a large portfolio over their lifetime - and especially if one plans to live in a few different countries during retirement - then renting can also make total sense.

[@TheMarcoAlegria]

@thetomcrosshill another thing people should take into account is that rental prices go up... Where as a mortgage us much more stable if the interest rates don't go crazy. The math's of the current expenses for renting seems to even out but in the long term your rent might be really expensive compared to your retirement savings

[@johnsonkesar]

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[@pupipupuu]

You made your calculations assuming that rent is always 1300. Rent always goes up. Landlord might be an imbecile or not, but still decides to terminate the rental agreement or sell the property. Where I live, the buyer then has the right to terminate (on some grounds) the rental agreement even if it is for a fixed period. The peace of mind of owning your home (even with the mortgage) I would also consider a plus. Also if you are currently living in Latvia, im guessing if you instead purchased a place a 2-3 years ago, the appreciation would be very considerable.

[@r_fh__l]

The example seems a bit off. Even though there are properties at 200k.... most likely people will pay those 1300/m on properties that today are value between 500k and 1m. It always seem to much money to commit. It looks like buying a property of 200k would result in less comfort and convenience than renting at 1300.

[@Ballin10X]

small-caps is the best place to invest from 2025-2030

[@XeonSX]

You’re wealthy enough to choose to rent. Most are not.

[@alexstulens2805]

Good video mate, I rent too. Just saying.

[@muhammadsalman7714]

New comers cant buy without inheritance.. thats all

[@mg-z6]

I want to buy a property to have MY property to live in. Point.

[@ansarrezaei]

You forgot to say, "California, I'm looking at you!" which means the risk of natural disasters!

[@toffee1889]

There is no contest. You pay for your own home, or you pay for someone else's investment property . Also, your maintenance figures are nonsense.