Compare rent, borrowing costs and the purchase price
Rent, borrowing cost and purchase price describe different parts of an ownership decision. Comparing only two of them can leave a material gap.
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Published by Astra Terra Properties. Astra Terra analysis and practical guidance. Verify the facts and terms of your own transaction with the appropriate sources and advisers.
About this revision
Revised on 3 October 2026 as Astra Terra analysis. Unverified historical market assertions have been removed. The original publication date and URL are retained; this is practical guidance, not a reconstructed news report.
Rent, borrowing cost and purchase price describe different parts of an ownership decision. Comparing only two of them can leave a material gap.
Build a complete comparison
For ownership, include the purchase expenses and recurring obligations as well as financing where applicable. For renting, include the complete lease cost and relevant moving or fit-out expenditure.
Test the assumptions
Use current written terms and consider a different rate, holding period or exit price. Distinguish affordability from investment return. A citywide demand story cannot determine whether the individual commitment is manageable.