Right so the calculator will tell you that it is better to rent if you believe the foreign investors are over-optimistic about future home price increases. (Or

Right so the calculator will tell you that it is better to rent if you believe the foreign investors are over-optimistic about future home price increases. (Or alternatively, you don't yet have enough saved for a down payment. In that case, wait a few years and run this calculation again. If you still won't have enough money in a few years, your rent is too high for your income)