FINANCE · RENT VS BUY

Rent vs buy and housing stress test

If you live in the same area for 5, 10, 20 or 30 years, how could renting plus investing differ from buying? The model also asks how fast prices must rise to break even, and how much of a decline the buying case can absorb. It does not predict prices.

Scenario model · stays in your browser

Home prices, rent, interest rates and investment returns are uncertain. This tool compares assumptions. It is not a market forecast.

Quick scenario

Monthly rent (NT$) Purchase price (NT$) Down payment or loan ratio Down payment (NT$) Loan ratio (%) Mortgage rate (%) Term (years) Holding period (years) Investment return assumption if not buying (%)

Return figures are assumptions, not a recommended, normal or expected return.

More assumptions

Repayment method First-stage months (0 = single rate) Second-stage rate (%) Rent growth (% / year) Deposit (months) Deposit returned (%) Initial moving cost Rental brokerage Other rent cost / year Management fee / month Maintenance / year Home insurance / year Building-related tax / year Land-related tax / year Other fixed cost / year Price path Annual home-price change (%) Phase 1 start / end / % Phase 2 start / end / % Phase 3 start / end / % Assume sale at the comparison year Sale brokerage (%) Other sale cost (%) Inflation (% / year) Show today's purchasing power Assessed house value for deed tax Public deed amount Transfer registration base Mortgage registration base Buyer brokerage rate (%) Scrivener fee Loan fees One-off insurance Renovation Furniture and moving Other buying costs Population / housing-demand pressure

Ownership taxes depend on the property and the owner. This tool does not hard-code a Taiwan-wide tax rate. Sale taxes such as house-and-land income tax and land value increment tax are not invented here.

Price scenarios

These are stress-test assumptions, not AmpCub forecasts.

Net worth over time

BuyingRenting plus investing

Holding period

Year	Buy net worth	Renting plus investing net worth	Difference	In words

Stress matrix

Each cell is buying net worth minus renting net worth. Color depth shows magnitude only, not which choice is better.

Price drop cases

Year	Drop from purchase price	Home value	Remaining loan	Equity	Rent assets	Buy minus rent

Population and households

City or county District

No regional population data is available.

Ministry of the Interior household-registration open data ↗

Actual-price reference

City District Building type Floor area (ping)

Why not compare only rent and the mortgage payment?

A mortgage payment includes principal. The down payment has an opportunity cost. Buying has transaction costs. A home has ownership costs. The monthly gap while renting can be invested.

If population falls, must home prices fall?

Housing demand also depends on households, household size, income, interest rates, jobs, migration, new supply, land supply and local projects. A population decline does not mean prices must move the same way.

Why look at households?

Even if total population falls, the number of households can still rise when average household size falls.

What is a break-even home price?

If prices only need to rise about 0.8% a year for buying and renting-plus-investing to be close after 15 years, then 0.8% is the threshold under the current assumptions.

Can a price decline be tested?

Yes. The model accepts -1%, -2%, -3% and a custom rate, including a negative path and up to three phases. Nothing here is a forecast.

Prices, rent, down payments, loans, returns and results stay in the browser. They are not written to the URL, storage or analytics.