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Alugar ou comprar imóvel depende da sua situação financeira e dos seus objetivos pessoais – nada mais. Você deve considerar comprar uma casa se estiver livre de dívidas, se possuir um fundo de emergência completo e dinheiro suficiente para uma entrada. Entretanto, se você está trabalhando para pagar suas dívidas ou espera mudar de emprego, é mais inteligente alugar uma casa ou apartamento.
After all, is it better to rent or buy property?
Se é melhor alugar ou comprar imóvel, tudo depende de você, pois existem prós e contras em ambas as opções. Comprar uma casa lhe dá propriedade, privacidade e patrimônio, mas é caro quando se trata de reparos, impostos, juros e seguros.
Porém, alugar um apartamento ou uma casa possui menos manutenção e é mais flexível, mas você pode ter que lidar com aumentos de aluguel, vizinhos barulhentos ou um locador extremamente burocrático.
Pros and cons of buying and renting
Agora, estes prós e contras não mudam a resposta à pergunta: Devo alugar ou comprar imóvel? Eles apenas o ajudam a se preparar para o tipo certo de moradia. Porque sejamos francos: Mesmo que você esteja financeiramente pronto para comprar uma casa, você pode não estar pensando em alguns detalhes no final do caminho.
Therefore, see below what are the main advantages and disadvantages of renting or buying property:
Purchase – Pros and Cons
You are the owner of the house
Quando você paga o aluguel, esse dinheiro é gasto. Desapareceu. Tchau. Mas quando você paga o seu financiamento, você está investindo no seu próprio imóvel Além disso, quando a sua casa estiver paga, ela será sua! Você terá a satisfação de saber que conquistou o sonho da casa própria.
When you put it at the tip of your pencil, years of paying rent are often the same as the monthly payment for financing your own property the way you want.
Property appreciation
Your home will likely increase in value over time, depending on the market and how well you take care of it.
After all, what you buy for R$200,000 today could sell for R$260,000 in the future.
Of course, everything depends directly on the care, renovations and maintenance carried out in the house, but the result can be really positive in the future.
Freedom to renovate your home
As a home owner, you can do whatever you want with your property. If you want to paint it another color, build more rooms or add a pool, that's your choice.
Furthermore, you can enjoy your space, privacy and the location you so desired.
However, it is important to emphasize that all fiscal and tax liability will be yours, it is necessary to be aware of all your possible obligations.
Rent – Pros and Cons
Greater flexibility for change
When you rent a property, you don't have to stay in the same place forever. Furthermore, it is much easier to get out of a lease than a mortgage.
Another important point is that all responsibility for maintenance and repairs to the property lies with the landlord, that is, any problem with the plumbing or electricity system, just call the property owner.
It's cheaper in the short term
In addition to having virtually no maintenance costs in a rented apartment, renter's insurance is much cheaper than home insurance.
Your moving costs will also be lower, as you will only have to make a small shipping payment instead of a down payment on a property.
Além disso, uma vez dentro, você não terá que pagar nenhuma taxa como o IPTU, por exemplo.
Rental rates will rise
Even if you have found an incredible property in a certain region, inflation, competition and rising property values will cause your rent to rise year after year.
Plus, even though you're spending your rent money on a major living expense, you may still feel like you're not making any real progress.
Less freedom to renovate the space
Even if you think hardwood flooring would look great in the bathroom, your landlord may not approve, especially since he or she will be the one paying for any renovations.
In this way, all possible renovations become hostage to the tenant's approval, as well as the risk of requesting delivery of the house in advance.
Conclusion
Renting or buying property directly depends on your financial situation and desires for the future, as we showed previously, both have pros and cons.
However, an interesting fact is that many property purchase simulations offer payment methods similar to the rental price, facilitating the payment method for purchasing a property.
