Verdict sa 15 taon
Bilhin mo na — +₱390K ang advantage.
Break-even point: year 12. Pagkatapos noon, mas mayaman ka kung bibili ka.
Buy net
₱6.21M
Rent net
₱5.82M
Bilhin mo na — +₱390K advantage sa 15 taonLibreng account — i-save, i-track, at balikan anytime. Walang card, ~30 seconds.
Educational only — hindi ito financial advice. Move-in cash needed
Actual cash mo dapat handa to take keys. Hindi lang down payment.
Total upfront
₱1,360,500
Reservation fee
Typical PHP 20K-50K — reserves the unit while papers process.
₱30,000
Down payment
20% of property (or as low as 0-10% for Pag-IBIG eligible).
₱900,000
Transfer + closing fees
DST 1.5% + transfer tax 0.75% + registration + notarization + broker share.
₱405,000
First-year MRI
Mortgage Redemption Insurance — required by lender for loan tenor.
₱18,000
First-year fire insurance
Required by lender — also helpful for the unit owner.
₱4,500
First month dues
Condo / HOA dues — usually billed monthly starting move-in.
₱3,000
💡 Tip: Banks usually want you to also have 3-6 months of mortgage payments as cash buffer before approving. Add another ₱83,732-₱167,465 sa cash reserve mo.
Inputs · Customize mo
Lahat ay updated live. Auto-save din sa device mo.
Down payment20% (₱900,000)
Affordability check (optional)
Add monthly gross income mo para makita kung kaya ang property. Stays on your device — never sent.
Loan provider (auto-fills rate)
Loan rate7%
Loan term20 yrs
Time horizon15 yrs
Property appreciation4% / yr
Rent increase per year5% / yr
Renter's invested alternative
Renter discipline (70% of monthly savings goes to MP2/funds)70%
Monthly mortgage (live)
Loan: ₱3.60M @ 7% × 20 yrs
₱27,911/mo
Net wealth over time
When does each path get you ahead?
Buy crosses rent: year 12
Net wealth = property equity less selling costs (buy) vs invested savings + recoverable deposit (rent)
Total cost ng pagiging homeowner
Buong 15 taon. Hindi kasama ang renovations o property improvements.
BREAKDOWN
Down payment + transfer fees₱1.30M
Mortgage interest₱2.83M
Condo dues / HOA₱721K
Property tax (RPT)₱360K
MRI (mortgage insurance)₱202K
Fire insurance₱90,106
Maintenance reserve₱901K
Total spent₱6.41M
END-OF-HORIZON
Property value
₱8.10M
Renter invested portfolio
₱5.77M
Total rent paid
₱5.70M
💡 Avg monthly cost ng pagiging homeowner: ₱47,796/mo. Rent avg: ₱32,779/mo.
Honest reality check
Your model assumes 70% discipline. Average. Pwedeng baba pa kapag may biglaang gastos (sakit, family emergency). Plus: buying gives you a place to live, even kapag bumagsak ang market. Renting gives flexibility, kapag medyo magulo pa yung career mo.
Next steps
Anong susunod after this comparison?
Educational only. Actual costs vary widely by location, developer, condo association, and lender. Property appreciation is not guaranteed. Verify with a real estate broker, bank, or accountant before any property purchase. PesoPilot is not a licensed financial or real-estate advisor.