Chargement...
Chargement...
Anti-money laundering checklist for real estate transactions in Luxembourg — Law of 12 November 2004, as amended
Client: Not provided
Date: April 1, 2026
Property address: Not provided
Risk level: Medium Risk
Compliance: 0/15 (0%)
Check whether a person or entity appears on the European Union sanctions map (sanctionsmap.eu).
13 mandatory item(s) missing
Passport, national ID card or residence permit currently valid
Art. 3-2 AML Law
Utility bill less than 3 months old or certificate of residence
Art. 3-2 AML Law
If legal entity: RBE register, organisation chart, articles of association
Art. 3-6 AML Law
Origin of funds for the acquisition (salary, sale, inheritance, loan)
Art. 3-2(d) AML Law
Check whether the client is a Politically Exposed Person or closely associated with a PEP
Art. 3-4 AML Law
EU, UN, OFAC, national lists verification
Art. 3-3 AML Law
Check whether the client or funds originate from a high-risk country (FATF list)
Art. 3-3 AML Law
If acquisition via SCI/SPV/holding: analyse the ownership chain
Art. 3-3(b) AML Law
Price significantly above/below market, cash payment, unjustified urgency
Art. 5 AML Law
Price consistency with the market, conditions precedent
Best practice
Bank loan offer or proof of own funds
Art. 3-2(d) AML Law
Document retention for 5 years after the end of the business relationship
Art. 4 AML Law
Client risk profile (low / medium / high) documented
Art. 3-1 AML Law
Staff trained on AML/CTF obligations (annually)
Art. 6 AML Law
Name of the AML compliance officer within the organisation
Art. 4-1 AML Law
Law of 12 November 2004, as amended, on the fight against money laundering and terrorist financing (AML/CTF).
Grand-Ducal Regulation of 1 February 2010 specifying professional obligations.
CSSF Circular 20/744 on AML obligations of financial sector professionals.
CRF (Cellule de Renseignement Financier) — Suspicious activity report: crf@justice.etat.lu