Rent vs buy tool from NYTimes

Real Estate
1

This tool from NY times seems to be flexible enough to be used for Switzerland as well:

In particular it accounts for the opportunity costs.

I do not do currency conversion and just use $ as CHF for simplicity, here are my fixed long-term params, what do you think?

mortgage rate: 1.2% (adjusted by discounting the marginal tax rate)
home price growth rate: 2%
investment return rate: 4%
inflation rate: 1%
property tax rate: 0.5%
marginal tax rate: 35%
cost of buying home: 3.5%
cost of selling: 5%
maintenance: 1%
insurance: 0.5%
renter insurance: 0.5%

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Clarification on buying vs renting
2

Actually, why would home prices grow forever? This depends on a lot of factors: land availability, salaries, population growth, building costs.

You’re that pessimistic on returns of VT/VTI? 4% return, 1% inflation = 3% real return?

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3

If it’s just two very uncertain parameters, I could consider the positive and negative scenarios.
Do you have any suggestion about a long term growth fork for RE and VT?

4

I have no idea. It’s a really nice tool, but getting all the sliders right is just really hard.

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5

Looks nice for most countries, but afaik in Switzerland the goal is to never actually repay the loan in full, you’re mostly paying interest. Not sure how this tool would account for that.

6

I don’t think that is a big difference actually,
You can set the duration to 40y which is long enough, or have a shorter duration and see the situation after the first loan is over