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Our adviser flagged the choice but stopped short of saying either option was a walk-away. I’m comparing a 110 m² retail unit with similarly priced three-bed student housing in Warsaw. Retail appears simpler to maintain, while the housing gives more control but may bring larger irregular costs...

I have priced a comparable Rotterdam apartment at about €671,600 and added mortgage costs, tax, insurance, maintenance and association dues. Buying remains substantially more expensive each month than my current rental. What is still unclear is whether the equity gained would survive the...