The decision to buy or rent an apartment is a strategic one. At first glance, renting may seem like a cheaper or more flexible option, but if we look at the financial picture from a long-term perspective, the difference becomes clear - buying an apartment is much more profitable than renting.

For example, in Tbilisi, in Didi Dighomi, the rent for a medium-sized (60-70 sq m) apartment is currently at least 900-1000 GEL per month.

This means:

The annual rent is 10,800 - 12,000 GEL.

Living in an apartment for 10 years costs at least 108,000 - 120,000 GEL.

Over 20 years, it is already 216,000 - 240,000 GEL.

This is an amount that goes entirely into the landlord's pocket and collects nothing for you.

Financial Parallel

Renting - after 20 years you have spent at least 240,000 GEL and still live in someone else's apartment.

Buying - you pay a loan for 20 years, but in the end you own an apartment that may already be worth more than 500,000 GEL (depending on the constant growth rate of real estate prices)

This means that by buying an apartment you are not only "paying taxes", but at the same time you are creating an asset and capital that creates your future and belongs to your family.

Additional advantages

• Stability and security;
• Investment for the future - real estate in Georgia has been increasing in price by an average of 8-12% annually for the last 10 years;
• Freedom in the interior - you have the full right to make repairs as you wish, unlike living in a rented apartment;
• Source of income in the future - if you wish, you can earn 800-1000 GEL per month by renting out the apartment.

Renting may seem easier in the short term, but in the long term it means the biggest financial loss.

Buying an apartment, even with a mortgage, is an investment in your future - the money you pay each month ultimately remains in your possession and creates financial stability.