Rent-versus-buy scenario
Rent total: ¥18,000,000 · Buyer equity (not a cost): ¥17,439,013
Assumptions and exclusions
Assumption year: 2026; formula version: 1.0.0
- Home value is held constant; no appreciation is predicted
- Down payment and repaid principal are equity, not costs
- Rates and entered annual percentages remain constant
Excluded: Opportunity cost, sale costs, taxes, insurance, renovations and moving costs
Educational estimate only—not advice, a lending qualification/approval result, or a future-value forecast. Test multiple scenarios.