Calculadora de Alquiler vs. Compra
Key Financial Terms
Understand the essential concepts behind this calculator
Preguntas Frecuentes
Preguntas comunes sobre Calculadora de Alquiler vs. Compra
Normalmente necesitas quedarte de 5 a 7 años para equilibrar los costos de compra, pero puede ser tan corto como de 3 a 4 años en áreas de alta apreciación o de 7 a 10 años en mercados estables. Usa nuestra calculadora para encontrar tu punto de equilibrio específico basado en el precio de tu casa, el pago inicial y la apreciación esperada.
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Rent vs Buy Analysis
Comprehensive comparison must include mortgage costs, property taxes, insurance, maintenance (1-2% of value annually), closing costs, down payment opportunity cost, home appreciation, and rent inflation. Break-even typically occurs at 5-7 years.
Home Appreciation
Historical home price appreciation averages 3-4% annually nationally per Federal Housing Finance Agency. However, this varies dramatically by location and time period. Not guaranteed for future periods.
Disclaimer
This calculator provides financial comparison based on user inputs and assumptions. Actual outcomes depend on market performance, personal circumstances, maintenance needs, and economic conditions. Both renting and buying can be financially sound choices depending on individual situations. Consider personal factors beyond pure financial analysis.