Hyra eller köpa

It compares your net worth in each case. A buyer owns the home's value minus the remaining mortgage and selling costs. A renter invests the down payment and closing costs instead, plus any money saved each year when renting is cheaper than owning. Whichever ends with more is the better deal.

Buying has large one-time costs: closing costs when you buy and agent fees when you sell. Over a few years those costs often outweigh the benefits. The longer you stay, the more home value growth and mortgage payoff work in your favor.

Use what you'd realistically earn on money you don't put into a house. A balanced investment portfolio has historically returned around 5–7% a year before inflation, but returns are never guaranteed. A savings account would be lower.

No. Mortgage interest and property tax deductions only help if you itemize, which most people don't since the standard deduction increased. Leaving them out keeps the comparison simple and conservative.