Saudi Tool
Rent vs Buy
Saudi-specific breakeven analysis with RETT on acquisition, SAMA mortgage pricing, rent growth (Riyadh has run 9-12% YoY), and opportunity cost of capital.
Breakeven
Year 1
Monthly Mortgage
ر.س 7,842
RETT on Acquisition
ر.س 75,000
Deposit Required
ر.س 300,000
Year-by-Year Comparison
| Year | Cum. Buy Cost | Cum. Rent Cost | Net Buy Equity | Delta (Buy − Rent) |
|---|---|---|---|---|
| 1 | ر.س 469,104 | ر.س 90,000 | ر.س 241,200 | +ر.س 319,200 |
| 2 | ر.س 563,208 | ر.س 186,300 | ر.س 264,049 | +ر.س 425,869 |
| 3 | ر.س 657,313 | ر.س 289,341 | ر.س 293,947 | +ر.س 545,829 |
| 4 | ر.س 751,417 | ر.س 399,595 | ر.س 331,320 | +ر.س 679,957 |
| 5 | ر.س 845,521 | ر.س 517,567 | ر.س 376,617 | +ر.س 829,188 |
| 6 | ر.س 939,625 | ر.س 643,796 | ر.س 430,318 | +ر.س 994,518 |
| 7 | ر.س 1,033,730 | ر.س 778,862 | ر.س 492,928 | +ر.س 1,177,010 |
| 8 | ر.س 1,127,834 | ر.س 923,382 | ر.س 564,984 | +ر.س 1,377,795 |
| 9 | ر.س 1,221,938 | ر.س 1,078,019 | ر.س 647,056 | +ر.س 1,598,082 |
| 10 | ر.س 1,316,042 | ر.س 1,243,480 | ر.س 739,748 | +ر.س 1,839,155 |