RESOURCES / PLAN WITH CONFIDENCE

Rent or buy?

Compare costs over your chosen time horizon.

Your scenario

Initial values are examples. Enter the figures from your offer.

Property price (€)Deposit (€)Annual nominal interest (%)Loan term (years)Monthly rent (€)Comparison period (years)Ownership costs / month (€)Upfront costs / fees (€)Annual rent change (%)Annual property value change (%)Selling costs at the end (%)

Rent · cost over 10 years60.000 €

Buying · net cost over the same period55.660 €

Modelled difference4.340 €

Buying has a lower net cost in this scenario.

Remaining debt at the end59.733 €

Net buying cost = deposit + fees + repayments + ownership costs − net value remaining after sale and debt repayment. A negative value indicates a modelled gain, not a guaranteed one.

Potential returns on invested savings, inflation and other taxes not entered in costs are excluded.

Talk to the MORINA team →

Year-by-year comparison

Year	Rent · cumulative cost	Buying · cumulative net cost
1	6.000 €	9.835 €
2	12.000 €	15.623 €
3	18.000 €	21.257 €
4	24.000 €	26.729 €
5	30.000 €	32.030 €
6	36.000 €	37.152 €
7	42.000 €	42.086 €
8	48.000 €	46.822 €
9	54.000 €	51.350 €
10	60.000 €	55.660 €

How to read the result

Simulation with fixed interest and monthly repayments, with no rate changes during the term. This is not a loan offer or bank approval. Taxes, insurance and maintenance are included only if entered as costs. Rounding is for display only; the bank’s actual schedule may differ.

Compare the effective annual interest rate, fees and terms of the offer as well. Read the CBK guide (Albanian) ↗