You may need to move
If your work could take you to another city, you are waiting on a family decision, or you are not sure where you want to settle, renting can preserve flexibility. Selling or renting out a home after a move takes time and money, and it may not work out exactly when you need it to.
Buying would use nearly all your savings
A down payment and transaction costs can make a monthly payment look affordable while leaving little cash for emergencies. If a repair, medical expense, or gap between jobs would force you to borrow again, it may be worth waiting or choosing a lower price.
The ownership costs do not fit
Compare rent with the full cost of ownership: amortization, dues, property tax, maintenance, repairs, and upfront fees. In some neighborhoods the purchase price is high relative to rent. A careful calculation may show that keeping your money accessible is more useful than tying it up in a property, at least for your current plans.
Renting works best with a plan
If renting leaves you with money you intend to save or invest, decide where it will go and make that contribution regular. Otherwise, a theoretical investment advantage may never happen. Also account for lease terms, possible rent changes, and the effort of moving when a contract ends.
There is no prize for buying before you are ready. Compare the options using your own numbers in the calculator, and include stability, commute, family needs, and peace of mind alongside the peso estimate.