Yes, it does. You are likely not going to be renting an apartment with that kind of money, you are just making your landlord rich. Instead, you put a 200k dep

Yes, it does. You are likely not going to be renting an apartment with that kind of money, you are just making your landlord rich. Instead, you put a 200k deposit, pay the same 8k per month as mortgage (approx 1/3rd of your salary is the rule of thumb), and sell the house or apartment after a while. That way, you are not losing any money. Check https://www.nerdwallet.com/mortgages/mortgage-calculator https://www.nerdwallet.com/mortgages/mortgage-calculator for confirming these numbers.