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Renting keeps mobility. A change of plans, personal circumstances or a new visa rule can be absorbed with a lease termination, rather than a property sale in a slow market.

Getting a mortgage changes the picture significantly. Overseas purchasers frequently meet higher down payments and shorter terms than domestic buyers.

Service charges are easy to underestimate. An apartment in a complex with a swimming pool, landscaping and round-the-clock security carries regular fees that continue whether you are there or not.

Insurance, running costs and the cost of selling finish the picture. Capital gains tax often applies to non-resident sellers, sometimes at a different rate.

The second stage concerns the legal status of the property.

Purchasing off-plan on trust has damaged many budgets. Ahead of a deposit, examine the developer's completed projects, the building permits, and the guarantees on staged payments.

Owning gives what renting cannot: protection from rent increases, control over the space, and a tangible asset that can grow in value. In several jurisdictions, ownership may also strengthen a visa application.

The payment side requires as much attention as the property. Getting a local account tends to be a precondition for paying taxes afterwards, and compliance departments typically ask for documented origin of the money.