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this post was submitted on 09 Dec 2024
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No Stupid Questions
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No such thing. Ask away!
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The world is not black and white. Example: I am a rentee in Germany in a house with 16 flats. My landlord owns exactly one flat in this house, the one I live in. The house and the adjacent house is owned by a community of owners. They meet once a year for decisions of all kind. They employ the services of a buidling managament company that sees to things like light fixtures in the garage and stairwells, cleaning of stairwells, repairs, winter service, trash cans moved to the streets, etc. This ist the 4th or 5th rental flat I have lived in. About 50% of people in Germany live as rentees. It generally has been a good experience for me. Finding a suitable flat has been difficult last time, in 2022. Generally, I want this option. Buying a home does have it perks, but generally it is financially not the best option. Example: if I want to buy a flat in the vincinity of my rental appartement, same size, same facilities, I would have to fork over 400k€ at least. If I even find anything comparable. As of now, I pay 660€ of rent each month (+ utilities). That means, that I could just as well live happily as a rentee for the next 50 years for the same amount of money. I am 47 now, so even accounting for some raises of the rent I could live here for cheaper as a rentee until I die.
I will buy a property in 2026 nevertheless. But it will not be located as conveniently as my current flat. I will be able to buy a house for maybe 220k€, but it won't be within the city center, like my current flat. But the new gf and her kid make an own house more desirable.
This landlord worshipping you Germans do will never cease to amaze me. Cheaper than buying? Guess why the prices are high. Rent for 50 years? You know what you're left with after renting for 50 years? Absolutely nothing. And it's not even like tenant rights are especially good here.
Again, the world is not black and white, only.
Not really. If I don't buy any real estate, I can afford to invest into other things. I could make monthly investments into a MSCI world ETF, for example. After a couple of decades I will have 0 debts and a lot of funds. And selling funds is easy and can be handled very flexibly (selling funds for amount x is trivial). If I buy real estate, by the time I retire I will have a house, worth 400.000€ or so and 200.000€ of debt or something along those lines. That might be better on balance, but it is a pain in the ass. You safe money on rent, but you pay interest instead.
In Germany they are relatively good for tenants. Can't complain. Rental contracts are typically indefinite. The landlord can also not raise my rent at will or get me out without a good reason and a very generous grace period. But on the other hand, I got a new gf and might need more space and some garden, etc. We will see. I have some considerations to do.