Tool · Luxembourg
My budget
How much can you buy? Enter your income and your deposit: the budget is calculated on your device, with the real cost of buying in Luxembourg.
Assumptions: 25 years · 4 % · debt-to-income 33 %
Average rate on new fixed-rate home loans in Luxembourg: 4 % (September 2026, ECB / BCL).
See other fixation periods
- Variable or fixed for up to 1 year
- 3,13 %
- Fixed for 5 to 10 years
- 3,97 %
- Fixed for over 10 years
- 4,03 %
New home loans to households, September 2026, ECB / BCL.
Share of your net income spent on loan repayments. There is no legal limit: 33 % is a prudent benchmark.
Enter your net monthly income to see your budget.
Example
Couple, 9.000 €/month, 80.000 € deposit, first purchase
634.596 €
Your figures stay on this device. Nothing is sent.
Indicative estimate, excluding the bank's arrangement fees. This is not a credit offer.
New build (VEFA): 3 % VAT on the construction and duties on the land only — not covered by this estimate.
State aid: acquisition premium, interest subsidy, State guarantee (guichet.lu)
Rules in force on 2 October 2026
Indicative estimate, excluding the bank's arrangement fees. This is not a credit offer.
How this budget is calculated
The rules and assumptions the calculation applies, with their source. The result remains an indicative estimate.
- Registration and transcription duties
- 7 % of the price (6 % + 1 %).
- Source: guichet.lu, “Tax credit on notarial deeds”, updated 7 July 2025
- Bëllegen Akt
- Tax credit on these duties for a main residence, up to 40.000 € per buyer. At least 100 € in duties remains payable.
- Source: guichet.lu, “Tax credit on notarial deeds”, updated 7 July 2025
- Notary
- About 1 % of the price.
- Source: Order of magnitude, no official scale applied. Rules as of 2 October 2026
- Mortgage registration
- About 0,29 % of the amount borrowed.
- Source: Order of magnitude, no official scale applied. Rules as of 2 October 2026
- Loan-to-value
- The bank lends at most 100 % of the price for a first purchase of a main residence, 90 % for another main residence, 80 % in other cases.
- Source: CSSF, Regulation 20-08, technical FAQ of 9 March 2026
- Debt-to-income ratio
- Monthly payments, current loans included, stay within 33 % of net income. No legal limit: a prudent benchmark you can change.
- Source: BCL, Financial Stability Review 2026, 21 August 2026
- Loan term
- 25 years by default, adjustable from 10 to 35 years.
- Source: BCL, Financial Stability Review 2026, 21 August 2026
- Annual rate
- 4 % by default, the average rate on new fixed-rate home loans in Luxembourg (September 2026). Adjustable.
- Source: ECB, BCL data, September 2026