Positives:
• Potential property value appreciation, which can lead to profit when selling.
• Stability: Provides a sense of permanence and security, especially for families.
• Freedom to renovate or customize without restrictions.
• Mortgage interest and property taxes may be tax-deductible.
• Fixed Costs if using a fixed-rate mortgage: Predictable monthly payments compared to fluctuating rent prices.
• Retirement Asset: Once paid off, it eliminates housing costs during retirement.
Negatives:
• Morally questionable transaction / contract. If you are Muslim or Christian interest is immoral (Prohibited & disliked by God)
• High Upfront Costs: Requires a down payment, closing costs, and potential property taxes.
• Ongoing maintenance and repairs can be expensive.
• Strengthens the global Zionist banking fiat riba monetary system.
• Lack of Flexibility: Harder to relocate quickly due to the long process of selling a home.
• Housing markets fluctuate, and you may not sell for a profit when needed.
• Responsibility: Homeowners bear the cost and time required for maintenance, repairs, and improvements.
• Market Risks: Property values can decrease, leading to potential financial loss.
• Long-Term Commitment: Requires stability in income and location.
• The perceived appreciation in the value of a house is actually an indication of the reduced purchasing power of fiat money, which occurs whenever banks issue interest bearing loans, such as mortgages. In other words, when you take out a mortgage, you contribute to inflation, thereby driving up the cost of housing, goods and services.
• Feeling overwhelmed because you have to work extra hard to make monthly riba payments.
• Steals your most scarce asset , your time / future energy.
Renting Positives:
• Flexibility: Easier to move or relocate, especially for those with changing jobs or lifestyles.
• Not engaging in a riba / interest contract that is morally reprehensible.
• Lower Initial Costs: Usually requires a deposit and first/last month’s rent but no large down payment.
• Less Responsibility: Landlords typically handle maintenance and repairs.
• No Market Risk: Renters aren’t affected by fluctuations in property values.
• Potential Savings: No property taxes, and monthly costs might be lower than a mortgage in certain areas.
Negatives:
• No Equity: Rent payments do not contribute to ownership.
• Rent Increases: Subject to rising rents and fewer protections in certain markets.
• Even though you are not taking out an explicit interest based (riba) loan to pay your rent, you are still using fiat currencies. All fiat currencies originate from riba based credit expansion; they are essentially the dust of riba. Renting is morally far better than taking out an explicit riba loan for a mortgage, but you are still handling the dust of riba if you use fiat currencies for transactions.
• Limited Control: Restrictions on renovations, customization, and sometimes even decor.
• Dependence on the landlord for property management quality.
• Instability: Landlords can choose not to renew leases, forcing tenants to move.
• No Tax Benefits: Rent payments are not tax deductible in most cases.
Moro Blanco 
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