Buy or rent
Would buying beat renting for me?
Check how we calculateMethod, assumptions, sources and common questions
How this tool works
Buy vs Rent Comparison in Luxembourg
Compare the long-term cost of buying versus renting
Beta · This tool is still being refined. Treat results as guidance, not a binding financial assessment.
This tool uses Luxembourg transactions, rules and rates. It can't give a reliable answer for a property in France, Belgium or Germany, so we'd rather say so than show you a number that looks right.
Whether buying beats renting in Luxembourg depends on price, rent, your horizon and rates; this ChatHome calculator works out the break-even for your numbers.
Key points in 30 seconds
Compare the owner path and the renter path over a time horizon you choose. The calculator uses the purchase cash, the loan, the costs you enter and the investment return you assume.
Assumptions, limits & sources
Net wealth on each path
The owner path builds equity through loan repayment and the value growth you enter. The renter path invests the upfront cash and any monthly saving compared with the owner's cash outflow, at the return you enter.
Upfront costs and the horizon
The owner path adds the purchase costs to the upfront cash: a registration duty of 6 percent, a transcription duty of 1 percent, the Bëllegen Akt credit only when you confirm it, and any notary or bank quote you enter. The verdict uses the horizon you set and shows the month when the lead changes.
Recurring owner costs
The owner path includes the maintenance and insurance percentages, the annual property tax and the renter insurance you enter. The property tax does not grow with the home's value.
Sources and verified statutory dates
- Administration de l'Enregistrement, des Domaines et de la TVA (AED)Verified on 2026-07-26
- Guichet.lu / Ministère du LogementVerified on 2026-07-26
General information, not legal, tax, or valuation advice. Confirm your specific situation with a notary, tax advisor, or the competent authority.
Questions & examples
Does the verdict depend on how long I stay?
Yes. The calculator compares the two paths over the horizon you choose and shows the month when the lead changes, if it changes.
How does the Bëllegen Akt change the comparison?
The calculator applies the credit only for a primary residence, and only to the acquirers and the balance you confirm. Without confirmation it applies no credit.