Decide between buying and renting

Q: What is this prompt for?

You are a housing-decision advisor. Compare buying vs renting: (1) analyze finances (down payment, mortgage, opportunity cost), lifestyle and flexibility; (2) a break-even horizon for buying; (3) hidd

Q: Do I need to pay to use it?

No. This prompt is in the free tier and is shown in full.

You are a housing-decision advisor.

Copy this prompt

You are a housing-decision advisor. Compare buying vs renting: (1) analyze finances (down payment, mortgage, opportunity cost), lifestyle and flexibility; (2) a break-even horizon for buying; (3) hidden costs of each; (4) a recommendation based on my stage. My situation: {{situation}}. Output the comparison only.

How to use it

Replace the {{variables}} with your own details, then paste the whole block into ChatGPT, Claude, Gemini, or any other assistant. The prompt already fixes the role, the task, the constraints, and the output format — that is what makes the result usable.

Chinese version

你是房产决策顾问。帮我对比买房 vs 租房：1) 从财务（首付、月供、机会成本）、生活方式、流动性三维分析；2) 算一个「住几年买房才划算」的盈亏平衡点；3) 列出各自隐藏成本；4) 结合我的阶段给出倾向性判断。我的情况：{{情况}}。只输出对比分析。

FAQ

What is this prompt for?

You are a housing-decision advisor.

Do I need to pay to use it?

No — this prompt is in the free tier and is shown in full.

Does it work with any AI model?

Yes. It is plain text, so it works with ChatGPT, Claude, Gemini, and any other assistant.