賃貸か購入かの計算

使い方

1. 1
   項目を入力

   数値を入力するか、必要なオプションを選びます。

2. 2
   結果を見る

   値を変えるとすぐに答えが更新されます。

3. 3
   活用する

   結果をコピーするか書き留めてください。何もどこにも送信されません。

About this tool

Enter the home price, down payment percent, mortgage rate, current rent, years you will stay, price growth and property tax rate. The calculator compares net ownership cost (interest, tax, upkeep, selling and buying costs, minus price gain) with the rent you would pay.

What it compares

Ownership costs include mortgage interest, property tax, upkeep of 1 percent a year, closing costs and 6 percent selling costs, offset by any rise in home value. Renting costs the rent, rising 3 percent a year. Principal repaid is not a cost because it builds equity you get back.

Example

For a $400,000 home with 20 percent down at 6.5 percent against $2,200 rent over seven years, the result depends strongly on price growth, which is why the tool lets you change it.

Tips

The longer you stay, the better buying tends to look because the one-off costs spread out. Include the return you could earn by investing the down payment as a comparison.

計算例

With the boxes at their starting values (Home price: 400000; Down payment (%): 20; Mortgage rate (%): 6.5; Monthly rent now: 2200; Years you will stay: 7; Home price growth per year (%): 3), the tool shows: Net cost of owning: 150,399; Total rent paid: 202,289; Equity you would hold after selling costs: 173,101; Buying is cheaper by: 51,890. Change any box to see your own numbers. The result updates as you type, and nothing leaves your browser.

最良の結果を得るためのヒント

結果を信頼する前にすべての項目を確認してください。数字がひとつ違うだけで答え全体が変わります。給与明細、請求書、証明書、契約書にある正確な数字を使い、計算した日付を控えておきましょう。税率、しきい値、ルールは随時変わるため、税金、手数料、法的な事柄については結果を概算とみなし、このページに記載された公式情報源で確認してください。シナリオは何度でも試せます。何も保存・送信されず、ページを再読み込みすると入力欄はクリアされます。