Comparison Renting or Buying

Calculation examples renting or buying

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

EMP

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%)
EMP

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%)
EMP

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%)
EMP

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%)
EMP

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%)
EMP

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