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Cambodia · KHR

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HomeCalc

Rent or buy in Cambodia? Compare the cost

Compare the total cost of buying a home with renting one over the same period.

No local legal figures for Cambodia

HomeCalc has no data on fees, taxes or lending limits in Cambodia. The loan maths and KHR formatting still work. Every fee starts at 0: enter your own, then check them with your lender or a local adviser.

The home and the rent

Example values: replace them with your own.

KHR
The price you plan to pay.
KHR
20% of the price
KHR
What the tenant pays each month.
years
How long you expect to live in or hold the home.
LoanLoan: 20 years at 9% a year
years
%
One rate for the whole loan. For a promotional rate that later becomes a floating rate, use the mortgage calculator.

Monthly payment: KHR 647,802.69

Results

Over 10 years, buying costs KHR 22,674,963.11 more than renting under these assumptions.

Cambodia · KHR

BreakdownCost of owning: KHR 65,874,963.11 · Renting: KHR 43,200,000.00

Owning

Interest paid
KHR 56,874,963.11
Deposit interest forgone on the down payment and buyer costs
KHR 0.00
Buyer costs
KHR 0.00
Upkeep reserve
KHR 9,000,000.00
Resale costs
KHR 0.00
Less: value gained
-KHR 0.00
Cost of owning
KHR 65,874,963.11

Renting

Rent paid over 10 years (rising 0% a year)
KHR 43,200,000.00

Principal repaid builds your equity, so it is not counted as a cost.

Growth rates and the deposit rate are assumptions, not forecasts. If you change them above, the sentence changes too.

Note

HomeCalc works out the loan and adds up the fees you enter. It provides no legal figures for Cambodia: no fees, taxes or lending limits. It is not financial, legal or tax advice. Before you decide, check every figure with your lender or a licensed adviser in Cambodia. This site never stores the numbers you enter; they live only in the page address.

Assumptions you can change

  • Home price growth per year

    0%

    AssumptionProvisional

    The assumed change in the home's price each year. It can be negative. This is an assumption, not a forecast.

  • Rent growth per year

    0%

    AssumptionProvisional

    The assumed rise in rent each year. This is an assumption, not a forecast.

  • Deposit rate

    0%

    AssumptionProvisional

    What the same cash would earn each year in a deposit. This is an assumption, not a forecast.

  • Upkeep reserve

    1%

    Assumption

    The share of the price set aside each year for repairs and replacements. This is an assumption, not a forecast.

  • Resale costs

    0%

    No source yet. This is a provisional value.Provisional

    Taxes and the brokerage fee when you sell at the end, on the expected sale price.

  • Buyer costs

    KHR 0.00

    From the home-buying costs tool

    The taxes and fees the buyer pays on the purchase, from the home-buying costs tool.

    See the cost details

The link carries only the numbers you entered. The site keeps no copy of them.

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