You can cover the whole flat. See whether to pay cash or take a mortgage and invest the rest of your capital — both options start from the same money and the same budget.
YOUR SITUATION · CLICK A VALUE TO CHANGE IT
The flat costs zł and I have zł in cash.
The alternative: zł down and a mortgage over years at %.
The capital left over could earn % a year.
RESULT AFTER 20 YEARS
Under these assumptions “Cash” gives a net worth after 20 years that is 167 132 zł higher.
20 years
1 year102030 years
CashMortgage + investingClick the chart to change the horizon
This is a simulation, not financial advice. The result depends on the assumptions you set.
Minimum return
7.04%
That is what the capital left over would have to earn on average for the mortgage to match paying cash.
Total interest
584 825 zł
Paid by the end of the horizon (20 years).
Value of investments after 20 years
1 812 057 zł
The portfolio in the mortgage option, after tax.
Mortgage left
216 315 zł
The balance still owed at the end of the horizon.
See what happens if…
Cash
Running costs600 zł
Total600 zł
+4 202 zł a month into investments
Mortgage + investing
Mortgage payment4 202 zł
Running costs600 zł
Total4 802 zł
the whole budget goes on housing
The shared budget is 4 802 zł a month — what the most expensive option costs. The cheaper ones invest the difference, which is what makes the comparison fair.
First month · running costs and rent rise every year
Common questions
These calculations are indicative and are not investment advice. We assume a fixed rate, equal instalments and average annual growth in prices, rent and investments.