Compare housing, commute, telework exposure and estimated monthly budget across Luxembourg, France, Germany and Belgium. The Luxembourg property tools remain available afterward as supporting modules.
What the product brings into view
You see the most credible living zone, the estimated monthly advantage, the telework range that still looks workable, and the point where human review should take over.
They are most useful once Luxembourg starts to look like the likely living base, or when you want to test one winning scenario in more detail.
Totals include only direct aid and credits that can reasonably be estimated. Potentially deductible mortgage interest is shown separately because the real tax effect depends on your situation.
All amounts remain conditional planning references. Bëllegen Akt is capped at €30,000 per buyer, subject to the official conditions and each buyer's remaining credit balance.
This tool is for quick orientation. It does not replace personalised tax, notarial, banking or legal advice.
The tax estimate follows the rules applicable from 2024 onward: years 0-1 without a cap, then ceilings of €4,000, €3,000 and €2,000 per tax person. Interest subsidies later reduce the amount that is actually deductible.
Co-ownership charges, building insurance, declining-balance insurance, bank file fees, moving costs and furniture. These should be budgeted separately.
Monthly-payment reference
Payment / entered net income: 48.9%. This is not a bank decision.
Model assumptions: 3.3% fixed interest, 1.2% annual owner costs, 7% acquisition duties/fees before credits, and no return on capital retained by the renter. Test other assumptions before deciding.
Under these assumptions, the buying-side gap equals roughly 67 months of net rent over 10 years.
The state rental-deposit guarantee can replace the upfront deposit, and the savings are rebuilt over 3 years. That rental lever is mentioned but not included in the total.
In Luxembourg, the energy class strongly affects how attractive a property feels to buyers and often influences pricing too. The real gap still depends on address, condition, size and market timing.
The Klimabonus programme supports energy-efficiency upgrades. Insulation, heating and window works can improve comfort, reduce running costs, upgrade the energy class and help a property sell better. The actual value effect still depends on the works completed and the local micro-market. See klima-agence.lu for details.
Editorial guidance only, not an official price table. The real premium depends on address, condition, floor area and the live market. For pricing, always combine the energy certificate with the official logement.lu simulator.
The core product is now the cross-border living decision. The classic Luxembourg property modules help users deepen the scenario that comes out strongest.
The free result stays visible. After that, WunnCheck can route the user into the right next layer depending on whether the need is personal, employer-side or partner-led.
Who it is for: people working in Luxembourg who need a clearer living decision before they rent, buy, move or change telework rhythm.
What it helps with: turning the comparison into a more decision-ready personal recommendation with review flags and a clear next step.
Start Decision Review →Who it is for: HR teams and employers who need a cleaner first read on telework, A1 exposure, treaty thresholds and non-standard employee cases.
What it helps with: surfacing risk groups and preparing the next compliance or payroll discussion with more structure.
See employer pageWho it is for: brokers, advisers, accountants, agencies and relocation specialists already supporting cross-border clients.
What it helps with: using WunnCheck as a clearer front door into your own service line or a later co-branded path.
See partner pageInstead of starting from a generic property purchase in Luxembourg, WunnCheck compares budget, commute, telework exposure and review risk across the Luxembourg border area.
The comparison shows which country or living zone leaves the strongest disposable income on the same assumptions.
The page separates treaty thresholds, A1 logic and budget so users can see whether the current pattern still looks stable or already needs review.
The product says clearly when public-sector rules, household income, non-Luxembourg workdays or high telework push the file outside the standard path.
The core path currently covers mostly private-sector employees with one employer. If Luxembourg then becomes the likely buying destination, the property modules take over.
Example pattern: A private-sector employee working for a Luxembourg employer is considering moving to Trier while keeping two home-office days per week. WunnCheck flags the tax-day threshold and social-security telework share separately, highlights when an A1 process may be needed, and shows which housing / commute assumptions drive the monthly difference.
This is an illustrative pattern, not individual advice.
Workdays outside Luxembourg are separated from the weekly home-office count.
The telework share stays visible as its own A1 / framework review dimension.
Housing and commute remain transparent, editable benchmarks rather than being presented as exact quotes.
If one cross-border scenario comes out strongest, use the Luxembourg modules afterward to test buying, aid, renting or the energy angle in more detail.
Start with Cross-border →WunnCheck is built as a practical decision platform for people who work in Luxembourg and need to compare living in Luxembourg, France, Germany or Belgium.
Useful public rules are signposted as such. Housing, commute and some market assumptions remain editorial benchmarks that still need to be refined inside a real case.
Cross-border thresholds, Luxembourg contributions, housing aid, simplified Luxembourg tax logic and official market references are built in with methodology notes.
Foreign residual tax, special cases, public-sector files, multistate work, employer declarations, insurance, banking and the final legal position still need a real human check.