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Author Topic: Buying Vs Renting a Home- Which is the right move?  (Read 825 times)
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May 16, 2024, 02:59:34 AM
 #21

im more in the opinion of buying home, when you buy home you have an asset that you can resell, if your property location is strategy the value of the property you bought gonna increase.
meanwhile renting means you just working for the landlords and owns nothing at the end i mean yeah its more affordable but I see no value in doing that where my financial condition will just become stagnant at the end of the day.
but this kind of decision also depends on the financial strength of an individual, if it seems that the housing market is already so over valued to the point where you can be working for half century and still couldn't afford a house then there's no choice but to rent.
so my idea is that, if you have the money or at least can strive to have the necessary money enough to buy a house go ahead and buy a house, its an asset that you can sell later on if worse come to worst.
the biggest wall that most people nowaday can't break through is the capital needed to buy a house, thats it.

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May 16, 2024, 03:31:56 AM
 #22

When discussing whether it is better to buy a house or not, it depends on where we live, because we cannot generalize housing prices in a country, because usually house prices in suburban cities and the city center can be very different. And also we need to consider financial capabilities, a person's job, and whether the person needs a house or not. Because if the person has a job that doesn't stay in one city, then renting a house could be the best choice. However, if he has a permanent job in one city, but does not have enough income to buy a house, then it is better to just rent a house or buy a house on the outskirts with easier access. So there are many considerations for someone buying a house, because renting a house could be more profitable or conversely buying a house could be more profitable.

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May 16, 2024, 07:18:11 AM
 #23

This topic has come up quite a few times over the years on this board.  A lot of the discussion around it has mostly been others opinions.  I found this neat little graph online (instagram) from the New York Times that compares the two.  Now keep in mind one's location will certainly have an effect on which one might make more sense, even in what part of you own country you're in.

I agree that it depends on location, country, and personal finances. In my country, houses are very expensive, even those far from the city center. Most people need to take out loans and pay them off over more than 10 years. This can be a significant burden for those with average incomes.

Therefore, if you have an average income, renting might be a better option. Renting provides more flexibility to choose a house close to your office, minimizing commute time. Additionally, it allows you to move easily when changing jobs. You are not tied down by long-term loan payments.

Considering these factors, I would choose to rent over buying a house in this situation.

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May 16, 2024, 07:46:33 AM
 #24

When discussing whether it is better to buy a house or not, it depends on where we live, because we cannot generalize housing prices in a country, because usually house prices in suburban cities and the city center can be very different. And also we need to consider financial capabilities, a person's job, and whether the person needs a house or not. Because if the person has a job that doesn't stay in one city, then renting a house could be the best choice. However, if he has a permanent job in one city, but does not have enough income to buy a house, then it is better to just rent a house or buy a house on the outskirts with easier access. So there are many considerations for someone buying a house, because renting a house could be more profitable or conversely buying a house could be more profitable.
This is a very long consideration for us to decide whether we will buy a house or just rent. In my country, most people work outside the city and it requires them to leave their hometown, in such a situation it is more relevant to rent a house, because they do not have a permanent job or they only work as contract employees who do not know when their work period will end. whether they will get a contract extension or not.
The cost of paying for a house or renting in installments is also very different, of course it will be a burden in itself when they have to take out a loan over a period of many years. Not to mention that the income will not be commensurate with the expenses later. This goes back to our respective abilities, and this must be a careful consideration.

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May 16, 2024, 08:28:06 AM
 #25

It really depends on your lifestyle. Only you will understand better what your position will be after 10 years. Also your purchasing power and your daily life routine will influence your decision making. I would definitely prefer buying a house over renting a house, if you have enough it's definitely better to buy a house. You can buy a house that you can rent out to others and live there yourself. In that case, if you calculate the house rent, after ten years your invoice will come up to more than half. On the other hand government employees have to transfer to different places, if you cannot stay permanently in one place for work, then a house rental will be the right decision for you.
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May 16, 2024, 08:30:04 AM
 #26

This topic has come up quite a few times over the years on this board.  A lot of the discussion around it has mostly been others opinions.  I found this neat little graph online (instagram) from the New York Times that compares the two.  Now keep in mind one's location will certainly have an effect on which one might make more sense, even in what part of you own country you're in.



Its case to case basis since it will matter depends on your needs. Since if you are low income earner type of person then for sure that you can't afford to buy a house on urban areas since the housing cost there is so expensive and you will only go with renting option since this would be quiet convenient for you and you can access everything you need especially your job if you want to be near on that place.

But if you are in province then I guess its better to build a house since everything their is cheap and there's available resources around which can help to lower the cost of your spending's.

Overall it really depends on the demand or what people need since for sure there's a reason on every decision made by people. But if there's really a choice that a person is capable to do things that they like for sure they would choose to build a house where they find safe and comfortable especially if this is near to malls,hospital and their work place.

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May 16, 2024, 08:35:20 AM
 #27


If you have the means to buy a house, then buy one. It's hard for a family to move now and then because all you do is rent all the time. The only reason why a family doesn't buy a house is if one doesn't like living in the place, either the father or the mother is undecided.

One parent thinks of going to live close to her/his parents and the partner doesn't want to live close to the partner's parents.  This is something that both have to decide really.

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May 16, 2024, 09:01:55 AM
 #28


If you have the means to buy a house, then buy one. It's hard for a family to move now and then because all you do is rent all the time. The only reason why a family doesn't buy a house is if one doesn't like living in the place, either the father or the mother is undecided.

One parent thinks of going to live close to her/his parents and the partner doesn't want to live close to the partner's parents.  This is something that both have to decide really.
If you already have money, it is better to buy a house because for the future the house is everything.
I think a house can't be compared to anything, although there are people who still think that when there is money it's better to invest it first before buying a house but I don't think that's the case, in this life the most important thing is the house so no matter what the condition is we know must go home.

Regarding differences of opinion in determining a place, I think it's a normal thing, every couple definitely has differences of opinion that can compare for more for both of them.

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May 16, 2024, 09:25:05 AM
 #29

It all depends on your financial conditions. At the moment, homes are way too expensive for a person doing odd jobs or earning an average income. If you have kids things get more difficult at times. From an investment point of view, it is a good option to buy a house because over time rental and property value will increase and the ROI will be less, of course. You can also explore other options of investment i.e. stocks or BTC. Let's say you have $500k, and instead of buying a house you choose to rent and invest your money in stocks and bitcoin. Your money will increase many folds after a few years. If I have to choose between the two options, I will go for renting a home rather than buying the property.
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May 16, 2024, 09:29:38 AM
 #30


If you have the means to buy a house, then buy one. It's hard for a family to move now and then because all you do is rent all the time. The only reason why a family doesn't buy a house is if one doesn't like living in the place, either the father or the mother is undecided.

One parent thinks of going to live close to her/his parents and the partner doesn't want to live close to the partner's parents.  This is something that both have to decide really.
Exactly, the need right now is indeed a place to live. It's impossible for us to always go with our parents. Every human being definitely wants to build their own small family and live happily with the people they love.
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May 16, 2024, 10:08:49 AM
 #31


it really matters when you plan of how long you are going to stay in a certain place. if you have a kid and you give importance to his childhood friends and that he could have a life long friends, i guess buying would be better for he can have a place to call a home town.

if you are just in the place where you are called because you have a job. i think its best to just let your kids visit from time to time and just rent a place when you know you won't be staying for a long time.

I agree with your statement, but is buying in this context the same as building a house? because there are 3 options
namely buying, building or renting. Of the three, it is more appropriate to build it in your hometown, that's what you mean. However, if you buy, depending on the location and your child you will have to adapt differently. Having offspring is certainly ideal for building your own house because it will be a legacy for your children, a place to return to as your hometown in the future. Nowadays, no matter how far we travel, no matter how long we are in another country, home is still the most comfortable place to return to. Even though it is simple, even a house in your hometown will have a very valuable history.

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May 16, 2024, 10:12:16 AM
 #32


If you have the means to buy a house, then buy one. It's hard for a family to move now and then because all you do is rent all the time. The only reason why a family doesn't buy a house is if one doesn't like living in the place, either the father or the mother is undecided.

One parent thinks of going to live close to her/his parents and the partner doesn't want to live close to the partner's parents.  This is something that both have to decide really.
If you want to live for good for that certain place considering a lot of aspects, then buy if you have all the means to buy. After all, if ever you change plans in the future, you can still have someone rent it as long as the unit is conducive by all means.

However, even if the are is not totally developed but you have seen some good potentials for progress in the future, then you can always buy it and probably resell it in the future for a higher price. At least your capital has doubled or even tripled its price.

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May 16, 2024, 10:12:39 AM
 #33

When discussing whether it is better to buy a house or not, it depends on where we live, because we cannot generalize housing prices in a country, because usually house prices in suburban cities and the city center can be very different. And also we need to consider financial capabilities, a person's job, and whether the person needs a house or not. Because if the person has a job that doesn't stay in one city, then renting a house could be the best choice. However, if he has a permanent job in one city, but does not have enough income to buy a house, then it is better to just rent a house or buy a house on the outskirts with easier access. So there are many considerations for someone buying a house, because renting a house could be more profitable or conversely buying a house could be more profitable.

I agree, the OP's question is too general and difficult to answer accurately because as you said, whether to rent or buy a house depends on many factors.

Personally, I come from a developing country and owning a house is much more economical than renting. Not to mention, owning a house or real estate can also bring us a source of passive income. Meanwhile, many people choose to rent a house because they do not have much money and many people think that: with the total amount of money they use to rent in their whole life. They can own a house and after they pass away, that house can be left to their children. That is one of the advantages of owning a home in my country and that is why everyone dreams of owning real estate.

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May 16, 2024, 10:27:53 AM
 #34

Just like what Dave Ramsey said, those that can't afford to buy a home can temporarily rent until they think they can. I am in the same opinion as Dave here. Be prepared before you purchase your dream home or even not your dream home but your home where you'd stay until your retirement or for a long time. Renting doesn't mean you're broke but it allows you to become free from many obligation although your main obligation is to rent and pay that monthly rental.


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May 16, 2024, 10:29:09 AM
 #35

I think everything is connected. In my country, you can buy a house, but where my husband's brother lives, you can only rent a house with this money. Which would I prefer, or most people? Naturally, if you have a good financial cushion, owning your own home is always smarter. You belong to yourself. In your home, you are the master, and no one can tell you any rules, which cannot be said about rented housing. I think this amounts to a business working for the owner, which is different from working for the boss.

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May 16, 2024, 10:32:54 AM
 #36

If you have the money buy the house and stop renting. Remember even though you are renting a house you have to do some maintenance work in the house to you taste and not everything you will like to involve your landlord to come and do it for you buy a house, you can design your house the way you want. There are some kind of things you won't do in the rented place but you can do it in your own house.

It is not even advisable for a grown up person to rent a house when he has the money. There is nothing like personal home.
I believe anyone who have the money and haven't have their own house yet will do that. It only needs a basic thinking. They know that they can save more and it gives them a peace of mind. They can also customize their house freely because it was their own.

Those who currently rent a house, they do this because they don't have a good budget yet but I'm sure that one of their dreams is also to own their own house. If we are renting, I think the maintenance for the house is already an obligation of the land lord/lady. AFAIK there is no rule if what age can rent or own a home but it only depends on our financial capabilities.

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May 16, 2024, 10:37:45 AM
 #37

I think everything is connected. In my country, you can buy a house, but where my husband's brother lives, you can only rent a house with this money. Which would I prefer, or most people? Naturally, if you have a good financial cushion, owning your own home is always smarter. You belong to yourself. In your home, you are the master, and no one can tell you any rules, which cannot be said about rented housing. I think this amounts to a business working for the owner, which is different from working for the boss.

For me, I'd rather buy my own house in the most possible ways because there's a lot of offers so you can have your own house just like housing loan or even the government housing fund, but it depends on your financial capacity because there's a requirements before you approve on your requested housing loan, some people cannot afford to fullfil the downpayment that's why they enduring renting because that's what they only afford but who doesn't want to have their own house? Nothing. right?



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Rainbot
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May 16, 2024, 10:58:47 AM
 #38

Just like what Dave Ramsey said, those that can't afford to buy a home can temporarily rent until they think they can. I am in the same opinion as Dave here. Be prepared before you purchase your dream home or even not your dream home but your home where you'd stay until your retirement or for a long time. Renting doesn't mean you're broke but it allows you to become free from many obligation although your main obligation is to rent and pay that monthly rental.


I love this pic as it says a lot. I even somewhere that renting an apartment could contribute to making one wealthy because they have little cost of maintenance to incur, except for bills that need to be paid.

I for one have lived in a rented apartment for sometime now and know how depressing it could be to stay in one place for a very long number of years. It is unless I choose to settle in a place I consider developing and urban and safe to a very good degree, I would rent and save up while I also look for investment like cryptocurrencies to invest and make returns from in the meantime, before buying a house/home where I can raise children and love a good wife.

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Yukyzu
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May 16, 2024, 11:30:47 AM
Merited by Halime Anatolia (1)
 #39

It really depends on your lifestyle. Only you will understand better what your position will be after 10 years. Also your purchasing power and your daily life routine will influence your decision making. I would definitely prefer buying a house over renting a house, if you have enough it's definitely better to buy a house. You can buy a house that you can rent out to others and live there yourself. In that case, if you calculate the house rent, after ten years your invoice will come up to more than half. On the other hand government employees have to transfer to different places, if you cannot stay permanently in one place for work, then a house rental will be the right decision for you.
Yes, in this case it will really depend on a person in preparing for their future and the way they manage their finances, if they can use their income well of course they will be able to easily save and buy a house for their future, however if they have a small income but have a luxurious lifestyle, of course it will be very impossible to buy a house.

Everyone will of course choose to buy a house where they live because if we continue to rent a house of course every year we have to think about the cost of renting a house which continues to increase and it would be better for us to be able to buy a house if we have enough savings. save, for government employees who have jobs that are not permanent of course they also want a house to live in and usually they choose a place where they live and if they work outside the area they of course have to rent a house or live in an official residence they.
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May 16, 2024, 12:22:00 PM
 #40

Just like what Dave Ramsey said, those that can't afford to buy a home can temporarily rent until they think they can. I am in the same opinion as Dave here. Be prepared before you purchase your dream home or even not your dream home but your home where you'd stay until your retirement or for a long time. Renting doesn't mean you're broke but it allows you to become free from many obligation although your main obligation is to rent and pay that monthly rental.


I love this pic as it says a lot. I even somewhere that renting an apartment could contribute to making one wealthy because they have little cost of maintenance to incur, except for bills that need to be paid.
Actually, there's more to that tweet and that's just the first two lines of his tweet. And that is true, you have only to think of the monthly rent or whatever is the setup with you and the land owner and as well as the bills that you are obliged to pay.

I for one have lived in a rented apartment for sometime now and know how depressing it could be to stay in one place for a very long number of years. It is unless I choose to settle in a place I consider developing and urban and safe to a very good degree, I would rent and save up while I also look for investment like cryptocurrencies to invest and make returns from in the meantime, before buying a house/home where I can raise children and love a good wife.
For me, I have no problem staying to a certain place for a long time as long as my needs are there and I am living comfortably there. Forget about those people that are saying that are living in their comfort zone won't grow. We're different in kinds of living and living in comfort zone is king to be honest. So, while you're renting, all of us have the goal to own a house someday and that's part of your plan that you will rent for now until you are prepared and have got enough money to purchase the property that you have been dreaming of.

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