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The Math of Frozen Capital
With key rates exceeding 15-18%, deposit yields significantly outperform the modest 4-5% per annum from renting out property. By putting a large down payment into concrete, you are consciously forfeiting the market returns that liquid capital could provide.
The gap between deposit rates and rental yields is an invisible tax on your inflexibility that you pay to the market every day.
Calculate the opportunity cost for a year: the difference in interest on the down payment often covers the cost of several months of rent for a similar unit. In current economic realities, real estate is no longer the best instrument for wealth preservation.
#investments #macroeconomics #realestate