Also renovation work... That’s often an under-accounted risk but if you own a flat you could well be forced at some point to cash out vast amounts of money so that your equity just don’t loose value.
If you rent you just wait for the landlord to pay or you move to a better flat if bad maintenance become unbearable.
If you rent you just wait for the landlord to pay or you move to a better flat if bad maintenance become unbearable.