Anti-Economy Lab · Interactive Model
Mortgage or Rent? Both Numbers Lie.
The loan payment hides opportunity cost. Market rent is just the price of the moment.
This calculator demonstrates a model that reveals whether a loan deal is truly justified.
👉 VIEW DEMO CASE STUDYInteractive demo · opens in a new tab
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Asset Purchase with Credit Financing
Credit Deal Efficiency Calculator
📊 Finding optimal rent uses 1 iteration (available: 100 of 100)
⚙️ Asset Purchase Parameters
Financed Asset Price
Credit Interest Rate
% per annum
0.5%20%40%
18.0%
Alternative Investment Cost
Alternative placement yield, % per annum
0.5%20%40%
12.0%
Preparation Period
months
Asset Operation Period
months
Credit Period
t1 + t2, months
120
Down Payment
% of price
0%50%99%
50.0%
Asset Improvement Investment
Modernization, upgrade, improvement, % of price
0%25%50%
10.0%
💳 Borrower Obligations at Purchase
Down Payment
amount
—
Asset Improvement Investment
amount
—
Total Borrower Initial Investment
—
Credit Amount
—
Monthly Payment to Creditor
—
Depreciation, months
investment / operation period
—
Other Monthly Borrower Obligations
insurance and other
Total Monthly Borrower Obligations
—
🏠 Rent: Axiomatic Model
🎯 Goal: find the axiomatic rent at which Balance = 1.000 — the point of economic equilibrium between tenant and landlord interests.
Axiomatic Rent
monthly — optimize to Balance = 1
5003,2506,000
1.000
Landlord-Tenant Balance of Power
Compliance Index (B)
rent / creditor payment
—
Market Rent
current market, monthly
Market Conjuncture Coefficient (A)
market / axiomatic. A>1 — market overvalued, A<1 — undervalued
—
Tenant Benefit, monthly
—
Accumulated Tenant Benefit
—
Security Deposit
Accumulated Tenant Savings
—
📊 Market Conjuncture Indicator
Obligations Share in Borrower Budget
recommended ≤ 40%
1%40%80%
40.0%
Recommended Borrower Budget
minimum income, monthly
—
Expected Tenant Benefit, monthly
—
Accumulated Tenant Benefit
—
Accumulated Savings Investment Sum
—
📈 Credit Deal Efficiency
—
Credit Deal Competitiveness Coefficient (K)
K = Axiomatic Rent / [Savings Depreciation + Bank Interest]
Bank Interest and Insurance, monthly
—
Savings Depreciation, monthly
(investment × (1+r)^t − investment) / t
—
Total Alternative Costs
—
The credit deal efficiency coefficient does not depend on the speculative (market) rent rate for asset usage.
📋 Analytical Conclusion
🎯 Final Balance of Power
—
Axiomatic rent balances landlord benefits and tenant capabilities
Pricing
$7 — one-time. No subscription.
After payment you receive an access code by email. One code covers up to 100 calculations.
Important
This tool is intended for analytical purposes only and does not constitute personal financial, mortgage, tax, legal, or investment advice. Results depend on the accuracy of the data you provide.