Owner-occupancy or buy-to-let

Renting, buying and letting as a scenario.

The calculator combines financing, running costs, remaining debt, a value assumption and optionally a net rental yield. It does not deliver an investment recommendation.

Scenario assumptions Rent and value changes are freely adjustable and not forecasts. Purchase closing costs can be determined with the separate calculator.

Enter your actual figures and cautious assumptions.

Net yield

(Annual net rent after vacancy − non-recoverable costs) ÷ (purchase price + closing costs).

What is deliberately left out

Taxes, inflation, selling costs, opportunity costs, renovations, tenancy law, subsidies and individual bank conditions.

Legal context

Whether and how the MRG (Austrian Tenancy Act) and rent caps apply depends on the specific property and contract. The year of construction alone is not enough for a reliable classification.

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