Renting or buying — which makes more sense in 2025?

The question "rent or buy?" has no universal answer — it depends on your situation, plans, and financial position.

Arguments for buying: - You build equity and capital - Protection against inflation - Freedom to make changes - With a mortgage, the monthly payment can be close to rent

Arguments for renting: - Greater flexibility - Lower upfront capital - No maintenance costs - Suitable if you're uncertain about where you'll live

The real numbers for 2025 in Sofia: A two-bedroom apartment in Lozenets: purchase ~EUR 150,000, rent ~EUR 850/month. With a mortgage (20% down payment, 25 years, 3.5%): ~EUR 640/month.

In this specific example, buying works out more cost-effective in the long run — provided you have the initial capital.