Huren versus kopen: dit zijn de voor- en nadelen.
“As a buyer you have two risks,” explains De Vries. “One of them is the payment risk. Can I pay it now, but also next month or next month? And you run the risk of your home losing value. If prices go down, you run the risk of your home being flooded “.
“As a tenant, this doesn’t bother you. In a normal market you might say: start renting. But try to rent a house with the same costs as a house for sale. At the moment you have even more quality of life for the same money. when you buy. “
Furthermore, past history shows that house prices always go up after a decline. “At some point they will rise again”, De Vries knows. “That’s the way it always goes. Since the 1960s, there have only been two periods when prices have fallen. That’s why we’re anxious now, we don’t know.”
You can search more calmly, the buyer has more power and a better negotiating position.
Current and future situation of the real estate market
The real estate expert also says it’s dangerous to look at short-term developments. “The price trend has stalled somewhat, but compared to a year ago there is still a strong increase. We are at a tipping point, but there must be two consecutive ‘minus’ quarters.”
The situation in the real estate market also looks very different from that of 2008, when the credit crisis broke out. “All knowledge institutes do not estimate a recession. We are improving, there is almost no unemployment. A recession in the property market often has to do with unemployment as well.”
More housing offer
Due to the cooling of the housing market, there is more supply and choice, as also reflected in the quarterly data from NVM this week. De Vries: “You can search more calmly, the buyer has more power and a better negotiating position. In reality I am not authorized to give advice, but from a financial point of view I would always buy. The financial risks are not there, especially if you have intend to live in a longer place.. “
It is also highly doubtful that rents in the private sector will decline, says real estate market professor Richard Ronald of the University of Amsterdam. “Demand is still high and what’s happening in the property market won’t have much impact on the rental industry any time soon.”
Ronald therefore advises to be patient. “I think it’s wise for now to wait and see how things go over the next few months.”
