Buy or Rent?

Adjustable assumptions: The result depends heavily on property appreciation (2%/year) and alternative investment return (4%/year). Modify these parameters to test different scenarios. Acquisition fees in Luxembourg (Bellegen Akt) make buying more attractive than in France thanks to the tax credit. The debit interest deduction (art. 98bis LIR) reduces the effective cost of buying, especially during the first 5 years (max 4.000 €/year for 2 persons). Outstanding balance insurance (0.3%) is an often overlooked cost.