Topics Housing
Topic 03 4 videos 2 tools
What a home really costs
A mortgage payment is only part of the price. These videos compare owning with renting and investing the difference, look at how buyers stretch to afford today's prices, and explain why the down payment target keeps moving.
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How the ideas fit together
The monthly payment hides most of the cost of owning. Property tax and upkeep keep arriving after the purchase, interest front-loads the early years, and the down payment stops compounding once it goes into the house.
Renting is not wasted money if the difference gets invested. The compound calculator lets you test that side of the comparison with your own numbers, which is the half most rent-versus-buy debates leave out.
Home prices and mortgage rates differ from one city to the next, so treat every figure in these videos as an example. The arithmetic behind the trade-off works anywhere.
Educational examples only. Your situation, your country's rules and your own numbers decide what fits you.
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