Property & bond details
Enter the home you are considering buying
R
R
R
SA long-term average: 5–8% per year (nominal)
Rental alternative
R
SA landlords typically increase rent 8–10% per year
What your deposit might earn if invested in a unit trust (SA equity average ~12%, conservative ~8%)
Bond vs rent verdict
After 20 years
Monthly bond repaymentR 0
Total buying cost (bond + levy + costs)R 0
Property value after 20 yrsR 0
Net buying position (equity gained)R 0
Total rent paid over periodR 0
Deposit invested valueR 0
Net renting positionR 0
Better option—
Net wealth comparison — buying vs renting over time
Buying (net equity)
Renting (invested deposit)