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Starting with a rental remains the cautious choice when you barely know the city. Districts look very different between seasons, and nearby construction only becomes obvious after a few weeks. A year of renting is far cheaper than selling a home bought in the wrong street.

Ownership becomes reasonable once the horizon is long enough. Transaction costs can be significant, so a short stay rarely recovers them. A common guideline points to several years of ownership before the maths turns favourable.

Getting a mortgage changes the picture in both directions. Non-residents often face stricter lending terms and higher rates than residents. If no local mortgage is available, the purchase means an all-cash transaction, which reshapes the opportunity cost.

A rental protects freedom of movement. A job change, family reasons or kepez real estate a change in immigration policy is manageable with a notice period, rather than a silivri property prices sale in a slow market. In markets where prices move slowly, this freedom carries genuine value.

Owning offers advantages a rental never will: protection from rent increases, the freedom to renovate, and a tangible asset that can grow in value. In some countries, ownership also supports a residency case. The practical answer for most people amounts to a rental year followed by a purchase.