The Real Cost of a House
The sticker price is only the start
Add the interest, the years of upkeep, and the growth the deposit gives up:
🏷️ Sticker price€400,000
🏦 Interest to the bank€229,982
🔧 Maintenance over the years€120,000
📈 Growth the deposit gives up€528,980
🏠 What it really costs€1,278,963
3.2× the sticker price · €1,528 monthly mortgage · 4%
Educational only — not financial advice. Illustrative: standard fixed-rate mortgage, a flat yearly % for maintenance, and the deposit's foregone growth. It ignores home appreciation, tax and rent avoided. Talk to a licensed advisor.