Finance
Simulate your mortgage and estimate your monthly payments in just a few clicks.
Finance
Simulate your mortgage and estimate your monthly payments in just a few clicks.
Maximum allowed : 10,000,000 €
Monthly payment
/ month
- Loan amount
- €800,000
- Down payment
- €0
- Estimated required income
- €8,489 / month
Note: This simulation is an estimation and does not constitute a financing offer. It is intended to help you gauge your monthly repayments and make informed decisions on your financing project.
Total cost of credit
€1,375,200
Total interest
€575,200
Suggested down payment (20%)
€160,000
First-time buyer
Tax credit & buying with almost no deposit
Luxembourg actively supports first-time buyers. Thanks to the Bëllegen Akt tax credit and 100% financing from local banks, buying your main home is accessible — often without a large personal deposit.
Bëllegen Akt — up to €40,000 per person
The tax credit on registration and transcription duties covers up to €40,000 per buyer, i.e. €80,000 for a couple. On most primary residences, it wipes out nearly all notary registration fees.
Practically no personal deposit
Luxembourg banks often finance 100% of the purchase price for a primary residence. Combined with the tax credit, your out-of-pocket cost shrinks to the residual notary fees — far from the usual 20% rule of thumb.
Indicative information — eligibility conditions to be confirmed with your notary and bank.
Worked example
- Purchase price
- €750,000
- Registration duties (7%)
- €52,500
- Tax credit (couple)
- − €52,500
Your out-of-pocket cost
€0
Our support
From idea to financing, in three steps
Assessment
We evaluate your borrowing capacity and real estate project together.
Simulation
We compare bank offers and find the best market conditions for you.
Advice
Our team supports you through signing and beyond.
Frequently asked
Everything you need to know before borrowing
How much down payment do I need?
In Luxembourg, banks typically ask for 20% of the property price, plus notary fees (around 7%).
Fixed or variable rate?
A fixed rate guarantees stable payments; a variable rate follows the market and can be cheaper short term. We advise based on your profile.
What is the maximum loan duration?
Most Luxembourg banks offer mortgages up to 30 years, depending on your age and income.
What are the additional fees?
Notary fees, registration duties, mortgage guarantee and outstanding balance insurance. We provide a full breakdown.
Can I renegotiate my loan later?
Yes, a buy-back or renegotiation is possible if rates drop. We support you through the process.
A project?
Talk to a financing advisor
Our experts support you free of charge to find the best financing solution.