Calculatrice Acheter vs Louer Avancée
Modélisation de la Valeur Nette (Net Worth), des coûts irrécupérables et du choc de renouvellement hypothécaire à l'année 5.
Votre paiement hypothécaire mensuel passera de $2,433 à $2,858 dès l'année 6, soit un choc de +$425 / mois (+$5,101 / an).
1. Paramètres de l'Achat Immobilier
2. Location & Rendement Boursier
La Location + Bourse surpasse l'achat de +$72,692
Aucun point d'équilibre (Breakeven) atteint sur cet horizon de 15 ans : le portefeuille boursier du locataire demeure supérieur.
Trajectoire de Valeur Nette (Net Worth) : Acheteur vs Locataire
Évolution du patrimoine net sur 15 ans avec mise en évidence du point de croisement (Breakeven)
Excel & Notion Financial Model: Canadian Real Estate Acquisition & Stress-Test
The turnkey financial model used by analysts: Buy vs. Rent simulator (5% rule), semi-annual compounding mortgage calculator, Year-5 interest renewal shock (+200 bps), and FHSA/HBP down-payment tracker.
Instant digital delivery • Lifetime access & 2026 updates included • Universal formats
Quantitative Analysis: Buying a Home vs. Renting and Investing
The conventional adage that 'renting is throwing money away' overlooks core financial principles. Owning real estate entails substantial unrecoverable costs, including mortgage interest, municipal and school taxes, insurance, routine maintenance, and condominium fees.
Our simulator rigorously projects your total net worth trajectory under both options: building real estate equity through amortized principal repayments, versus renting an equivalent property and methodically investing the freed capital (down payment and monthly cash flow surplus) in a globally diversified, low-cost equity portfolio.
The 5% Rule of Unrecoverable Housing Costs
In quantitative real estate economics, the '5% rule' establishes a quick breakeven benchmark: approximately 1% for property taxes, 1% for maintenance and physical depreciation, and 3% for the cost of capital and mortgage interest. When annual rent on an equivalent home is under 5% of its purchase price, renting and investing historically yields superior terminal net worth.
Year-5 Renewal Rate Shock Simulation (+200 bps)
In Canada, mortgage contracts typically reset every 5 years even though total amortization spans 25 years. Our model simulates a severe renewal interest rate shock (+200 bps / +2.00%) at Year 5 to stress-test your monthly cash-flow flexibility and long-term capital trajectory.
Frequently Asked Questions: Buying vs. Renting in Canada
The Principal Residence Exemption offers a tremendous tax advantage in Canada. However, disciplined renters can achieve equivalent tax-free compounding by utilizing tax-sheltered accounts like the TFSA, RRSP, and FHSA before hitting non-registered tax exposure.
A down payment locked into home equity (e.g., $100,000) foregoes compounding returns in global equities (historically averaging 7% to 8% annualized). This forgone compounding is frequently the single largest mathematical drag on real estate ownership.
Behavioral discipline is essential: the renter must systematically invest the monthly cost difference between total homeownership expenses (mortgage, property taxes, maintenance) and rent. If the surplus is spent on consumer goods, homeownership acts as a forced savings plan and typically wins.