Every month of rent is money you never see again. See how much you'll spend renting versus the equity you'd build owning — and the exact year buying pulls ahead. Tuned for Cebu.
Your situation
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₱5K₱150K
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₱1M₱20M
3 yrs25 yrs
Rent increase / yr
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Home appreciation / yr
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Loan interest / yr
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Loan term
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Ownership costs / yr
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Buying costs (one-time)
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If renting, savings earn / yr
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Ownership costs = association dues + real property tax + maintenance. Buying costs = taxes & transfer fees — compute the exact figure →
We'll send your personalized rent-vs-buy report plus a shortlist of Cebu condos you could own for around this monthly payment — so your money builds your equity, not your landlord's. Free.
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⚠️ A simplified estimate to guide your decision, not financial advice. To be fair to renting, it assumes you invest the money you'd save by renting (the down payment, then any monthly difference) at the rate you set — if you don't actually invest it, buying comes out even further ahead. Figures are before selling costs and taxes, and assume steady rent growth, appreciation and interest. Ask Patrick (PRC-licensed REB) for a personalized run — free.
It comes down to how long you'll stay. Rent is money you never get back; a monthly amortization builds equity while the property appreciates. Past your break-even point — often 4 to 6 years — buying usually leaves you ahead. Below that, renting can win because of the upfront cost of buying.
How much down payment do I need for a condo in Cebu?
Pre-selling units typically need 10%–20% spread over construction; ready-for-occupancy or bank-financed purchases usually need about 20% down. Estimate the loan with the Mortgage Calculator.
What extra costs come with owning?
Association dues, real property tax, maintenance and insurance — roughly 1% of the value per year combined — plus one-time taxes and transfer fees when you buy. Both are built into this calculator.
I'm an OFW — can I buy with a small down payment?
Yes. Pre-selling condos let you spread the down payment over construction, and Pag-IBIG or bank financing covers the balance. Message Patrick and we'll map out a plan that fits your remittance.
Stop paying off your landlord's condo.
Tell us your budget and where you want to live. As a PRC-licensed brokerage we'll match you to pre-selling and ready units you can actually afford — and handle the financing paperwork for free.