Home ownership · Module 7

Buy or
rent?

Is buying really always cheaper? The math surprises many.

⌂

The honest math

Both sides

Not just the price

Your own home, often cheaper long term – but capital tied up.

Flexible, no concentration risk – but wealth grows elsewhere.

CapitalFlexibilityTaxes

The hidden factor

Todayrental value taxed, deductions possible

From 2029rental value gone – maintenance and interest deductions heavily restricted, some exceptions remain

Dependssometimes better, sometimes worse

Time decides

Stay longcosts spread out

Stay shortrenting often better

Costsbuying and selling are expensive

More than money

Ownershipsecurity and freedom to shape

Rentingflexibility and independence

Your lifeboth have their value

Good to know

💡 First step: Buy or rent – it's not a saying that decides, but your numbers: rate, imputed rental value and how long you stay.

This video is no substitute for personal advice.
Baeriswyl Beratungen GmbH · Finance & pension planning · Fribourg