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Key takeaways: between the Bëllegen Akt (up to €40,000 of duties wiped out per buyer), the 3% housing VAT (benefit up to €50,000), the State guarantee, the interest subsidy and the savings premium, the Luxembourg State co-finances part of your property...
Key takeaways: Luxembourg's lease law says not a word about pets. As a result, everything depends on the contract: according to the Housing Ministry's official FAQ, a clause explicitly prohibiting animals is legal, and breaching it can justify terminating...
Key takeaways: since 1 August 2024, every residential lease must be in writing, on pain of nullity, with 8 mandatory particulars. The rental deposit is capped at 2 months' rent, agency fees are split 50/50, a fixed-term lease not properly terminated...
Key takeaways: your borrowing capacity in Luxembourg is set by two ceilings: the effort ratio (in practice around 35% of net income) and the regulatory loan-to-value limits set by the CSSF (100% financing for a first purchase, 90% for a main residence,...
Key takeaways: since 1 August 2024, flat-sharing has a real legal framework in Luxembourg: a single lease signed by all flatmates with the landlord's express agreement, a mandatory written flat-share pact between flatmates, joint and several liability...
Key takeaways: an online estimate calculates an average; a professional valuation establishes your property's value. The difference can be quantified: our market analysis shows an average gap of around 7% between asking price and sale price, i.e. €52,000...
Key takeaways: in Luxembourg, no property sale is enforceable against third parties without a notarial deed transcribed at the mortgage registry. The notary is an impartial public officer who advises both parties, verifies ownership and mortgages, collects...
Key takeaways: contrary to popular belief, rents are already capped in Luxembourg: 5% of the invested capital, one adjustment every 2 years, increases limited to 10%. No bill lowering this cap has been tabled to date. What is actually moving forward...
Key takeaways: a successful sale is decided before the first listing goes online. Three steps, in order: gather your documents (title deed, energy performance certificate, plans, co-ownership statements), set the right price from day one, and prepare...
Key takeaways: buying off-plan in Luxembourg is tightly regulated: a mandatory notarial contract, payments capped by law according to the building's progress (15% at foundations, 95% at completion, 5% that can be escrowed), a bank completion guarantee...
On paper, it is the most technical measure in the « Booster fir de Wunnengsbau » package presented on 16 July 2026. In practice, it is the one that can do the most to change the profitability of a buy-to-let investment in Luxembourg: the accelerated...
On 16 July 2026, Housing Minister Claude Meisch and Finance Minister Gilles Roth unveiled a stimulus package called « Booster fir de Wunnengsbau » (Boost for housing construction). The goal is clear : to restart a construction engine that...
The essentials. In a separation or divorce in Luxembourg, what happens to the property depends first on the status you chose when you bought: marriage, legal partnership or cohabitation. Three outcomes are possible: one partner buys out the other's share,...
The essentials. For the same surface area, an apartment costs roughly 2.5 to 3 times less in Thionville or Metz than in Pétange or Esch-sur-Alzette. Luxembourg nevertheless offsets part of that gap at the entry point: the Bëllegen Akt tax credit of 40,000...
The essentials. In June 2026, asking prices for apartments in southern Luxembourg range from 5,526 €/m² in Lamadelaine to 8,605 €/m² in Leudelange, with most towns sitting between 6,400 and 7,500 €/m². After two years of falling prices, the market has...
The essentials. Selling an inherited property in Luxembourg rests on three steps: the deed of notoriety drawn up by the notary (it establishes who inherits), the inheritance declaration filed with the AED within 6 months of a death that occurred in Luxembourg,...
The essentials. Selling a house in Luxembourg follows a 10-step path, from valuation to notarial deed, most often with around 3 months between agreement and deed. The point of no return is the compromis de vente: once signed by both parties, it is equivalent...
Price per m² by Municipality in Southern Luxembourg (2026) In short. In 2026, the price per m² in Southern Luxembourg for an apartment mostly sits between €6,000 and €7,500/m², depending on the municipality, the condition of the property and the...
Luxembourg Chamber of Real Estate: why it is becoming an umbrella organisationIn short. The Chamber of Real Estate of the Grand Duchy of Luxembourg (CIGDL) is reorganising into an umbrella organisation for the sector. It is not disappearing: it becomes...
Social rental management in Luxembourg: guaranteed rent, zero hassle and a 90% tax exemption In short: social rental management (gestion locative sociale, GLS) means renting your property to a state-approved organisation instead of a private tenant....
Asking price vs selling price in Luxembourg: the 7% gap (52,000 €) sellers underestimateIn short. Between Q1 2025 and Q1 2026, properties in Luxembourg sold on average 7.2% below their asking price, around 52,000 € per property (8.3% for houses, 6.5%...
New or old property in Luxembourg: why soaring construction costs (+55% in 10 years) change the maths In short. Between 2015 and 2025, the cost of building a new home in Luxembourg rose by about 54.6%, faster than the EU average (+48.2%). New-build now...
How Much Can You Raise the Rent in Luxembourg? The 2026 Landlord's Guide The essentials. In Luxembourg, rent can only be adjusted once every 2 years and must respect two ceilings at once: an annual rent capped at 5% of the invested capital, and a maximum...
Short-term or long-term rental in Luxembourg: the right call for your investment The essentials. In Luxembourg, short-term furnished letting becomes a commercial activity from 90 cumulative nights per year: an establishment authorisation, declarations...
Capital gains and your main home in Luxembourg: will you be taxed when you sell? The principle: your main home sells free of capital gains tax The capital gain is the difference between your selling price and your purchase price (deed costs and certain...
Buying property together in Luxembourg: the right setup for your situation (and 80,000 EUR less in tax) The essentials. Buying property together in Luxembourg is not just about signing together: your status decides who owns what, what happens in case...
Bëllegen Akt and energy class in Luxembourg: fact vs fiction (2026) In short: no, the Bëllegen Akt is not adjusted according to energy class. No official reform provides for it (Ministry of Finance, "Nouveautés 2026"). The tax credit remains 40,000...
Property tax and IMOB in Luxembourg: where the reform stands (2026) In short. Bill 8082A aims to modernise the property tax and create the IMOB, a tax that would target building land left undeveloped. Beware a common confusion: this text has not yet...
Mortgage in Luxembourg in 2026: the application file that gets a yes The essentials. In Luxembourg, the only truly binding lending limit is the LTV ratio: a first-time buyer can finance up to 100% of the property price (excluding costs), another main-residence...
Property surveys and certificates in Luxembourg: what is really required (and what is not) In short: in Luxembourg, the energy passport is the only certificate systematically required to sell or rent a home. Asbestos, lead, electricity and radon apply...
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