{ "title": "Koupě bytu versus nájem a investování", "date": "2026-10-26", "kind": "Illustrative Moneyo scenario, not observed market data or forecast", "inputs": { "price": 6000000, "downPct": 20, "mortgageRate": 4.6, "termYears": 30, "fixYears": 5, "refixRate": 4.6, "rent": 22000, "rentGrowth": 3, "priceGrowth": 3, "returnRate": 6, "investmentFee": 0.25, "inflation": 2.5, "svj": 1500, "insurance": 400, "propertyTax": 3600, "maintenancePct": 0.7, "costGrowth": 2.5, "buyCostPct": 2, "sellCostPct": 3, "taxReliefRate": 15, "taxDeductionCap": 150000, "taxCapacity": 22500, "horizon": 30, "saleTaxRate": 15, "liquidate": 1, "realTerms": 0 }, "methodology": { "equalMonthlyBudget": "max(gross ownership costs, rent); the cheaper option invests the difference", "taxReliefTiming": "end of each model year, invested as a separate lot", "maintenance": "percentage of initial purchase price, inflated with ownership costs; additional to SVJ", "liquidatedEtf": "whole portfolio sold; 100000 CZK annual proceeds threshold; lots held for more than 36 full model months exempt", "propertySale": "continuous own residence for at least two years; no property capital-gains tax modeled", "nominalTaxLimits": "current tax limits unchanged throughout this illustrative projection", "units": "nominal CZK; divide monetary snapshots by inflationFactor for today’s purchasing power" }, "initial": { "price": 6000000, "principal": 4800000, "downPayment": 1200000, "purchaseCosts": 120000, "initialCash": 1320000, "initialPayment": 24606.929674069906, "ltv": 80, "ownerOperatingMonthly": 5700, "renterInvestment": 1320000, "buyerInvestment": 0 }, "snapshots": [ { "year": 0, "month": 0, "homeValue": 6000000, "debt": 4800000, "equity": 1200000, "buyerPortfolio": 0, "renterPortfolio": 1320000, "buyerWealth": 1200000, "renterWealth": 1320000, "buyerSaleWealth": 1020000, "renterSaleWealth": 1320000, "difference": -300000, "buyerEtfTax": 0, "renterEtfTax": 0, "buyerShortTermGain": 0, "renterShortTermGain": 0, 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