How the 70/30 Rent Credit Split Works (And Why It Beats Paying Regular Rent)

Most people think renting and buying are two completely separate paths. With a rent-to-own agreement, they're the same path. And the 70/30 payment split is the part that makes it actually work in your favor.

What the 70/30 Split Actually Means

When you make your monthly payment under a Bryan Estates rent-to-own plan, it doesn't all go to the landlord's pocket. The payment is divided into two parts: 70% covers your occupancy cost, and 30% gets credited directly toward your final purchase price.

Think of it like this: every month you pay, you are quietly chipping away at the amount you still owe on the property. You're not just keeping the lights on — you're buying the place, little by little.

That 30% equity credit adds up fast. On the Loksa studio apartment, for example, that's €70.20 credited toward ownership every single month. Over 15 years, the math becomes very compelling.

Why Regular Rent Can't Compete

Standard renting gives you a place to live. That's it. When the lease ends, you walk away with nothing to show for the money you've paid. There's no return, no credit, no equity built up over time.

With a rent-to-own agreement, every payment is doing double duty. You're covering your housing cost and building ownership at the same time. It's the closest thing to a forced savings plan that the real estate market offers.

If you've ever felt like rent money just disappears every month, this is the structure that changes that. You can browse our available rent-to-own properties in Estonia to see the exact numbers for each listing.

How the Numbers Look in Practice

Take the Kohtla-Järve listing as a concrete example. The monthly payment is €123.50. Of that, €86.45 covers your occupancy and €37.05 goes straight to your equity credit. Over 12 months, that's €444.60 credited toward your purchase price without any extra effort on your part.

The Jõhvi Vald property on Narva Mnt runs €240.50 per month, with €72.15 going to equity each month. That's nearly €900 per year building toward ownership in a prime, well-connected location.

You can run your own numbers using our mortgage and payment calculator to see how the split works on your specific budget.

The 80/20 Split Option

Some Bryan Estates plans use an 80/20 structure instead, where 20% of each payment is credited toward the purchase. This slight variation applies to specific listings and terms, but the core principle is identical: a portion of what you pay every month comes back to you as ownership.

The split percentage is clearly stated in your agreement before you sign anything. There are no surprises after the fact.

Is This Legally Protected?

Yes. Every rent-to-own agreement at Bryan Estates is fully notarized under Estonian law. The equity credit isn't just a promise on paper — it's documented, tracked, and legally binding. Your credits are recorded as part of the agreement so both parties are always on the same page.

If you want to understand more about how these agreements are structured, our FAQ page covers the key legal questions in plain language.

The Bottom Line

Paying rent and building nothing is the default. The 70/30 split breaks that pattern entirely. You stay in the property, you cover your living costs, and 30% of every payment quietly moves you closer to owning the place outright.

It's not complicated. It's just a smarter way to rent while you buy.

Ready to see which properties are currently available? Browse our rent-to-own listings or get in touch with the team to talk through which plan fits your situation.