Buy vs. Rent

Compare the long-term cost of buying versus renting

BetaThis tool is still being refined. Treat results as guidance, not a binding financial assessment.

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.

Estimate

Buy vs Rent

Decision Tool

Buy vs. Rent

Compare the long-term cost of buying versus renting

BetaThis tool is still being refined. Treat results as guidance, not a binding financial assessment.

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.

Buy vs Rent Simulation

Should you buy or rent in Luxembourg?

Estimated purchase price€750,000Equivalent monthly rent€2,625Down payment20%Mortgage rate3.5%Annual property appreciation2.5%Annual rent increase2.0%Alternative investment return5.0%

Loan term

Time horizon

Break-even point

2 years

Net difference

€491,974

Total cost of buying

€25,398

Total cost of renting

€517,372

Equity built

€1,228,962

Buying is better after 2 years

Key assumptions

Registration duty (7%)Notary fees (1.5%)First-time buyer credit (Bëllegen Akt)Maintenance reserve (1%/yr)Insurance (0.15%/yr)Property tax (~0.1%/yr)

This simulation is for informational purposes only. Consult a financial advisor before making any decision.