Housing assistance: 2026 estimate

Calculate grants for your situation and distinguish tax relief from assistance that still needs assessment. Prefilled figures are examples; confirm conditions and remaining allowances before relying on an amount.

Rules and sources checked on 8 September 2026. Ordinary scheme for 2026 deeds and new applications.

Your project

Project type

Main home in Luxembourg

Property price (excluding VAT for off-plan)

€

Number of beneficiary buyers

Property type

New / off-plan home

Works budget (identifying assistance)

€

Mortgage amount

€

A total budget cannot determine Klimabonus: technical measures, dates and quotes are required.

Household, income and grants

Adults in the household

Dependent children

Household net annual income in 2024

€

Household net annual income in 2025

€

Statutory income after contributions and withheld tax, including foreign income and maintenance, excluding dependent children’s income. Purchase grant: 2024/2025 average; interest: 2025. Cases without two income years require individual review.

Remaining capital-grant allowance — beneficiary 1

€

Remaining capital-grant allowance — beneficiary 2

€

I confirm ordinary eligibility: adult beneficiaries with residence rights, full ownership, mortgage, no more than one third of another home, no affordable/cost-price sale, required occupancy and timely application. Income and remaining allowances are checked.

Annual savings increases — beneficiary 1

Actual amounts separated by ; (example: 2000; 3500; 5000). One to ten years. Leave blank if unknown.

Annual savings increases — beneficiary 2

Actual amounts separated by ; (example: 2000; 3500; 5000). One to ten years. Leave blank if unknown.

Savings held at the same institution for at least one year, documented increases and at least 90% invested in the home within the statutory deadline.

Annual nominal loan rate

New loan and first subsidy entitlement: ownership, residence, occupancy and income conditions met. For renovation, qualifying works. No subsidy payments already used.

Tax relief

Remaining Bëllegen Akt — buyer 1

€

Remaining Bëllegen Akt — buyer 2

€

Buyer 1 ownership share

Private purchase eligible for Bëllegen Akt, occupancy and deadlines met; personal balances and ownership shares checked.

See detailed acquisition costs

Quantified one-off subtotal

To be assessed

Excludes unassessed assistance, monthly payments and guarantees. This is not the total of all possible assistance.

Capital grants : 0,00 €

Tax relief : 0,00 €

Initial interest subsidy, outside the total : To be assessed

5 scheme(s) still require assessment.

Conditional estimate, not an award decision. Bëllegen Akt and VAT relief may already be included in your price or fees: do not deduct them twice. Monthly assistance changes with amortisation and reviews. Special cases and older applications require individual assessment.

Bëllegen Akt

To be assessed

Based on personal balances, ownership shares and taxable base. Minimum duty €100. Already included in the acquisition-cost calculation.

Read the official source

Home purchase grant

To be assessed

Statutory formula using household composition and 2024/2025 average net income, adjusted for housing type and remaining personal allowances.

Read the official source

Savings grant

To be assessed

10% of actual annual savings growth, capped at €500/year for ten years per beneficiary. Purchase grant required; shared capital allowance.

Read the official source

Interest subsidy

To be assessed

Indicative initial monthly aid for a new loan: 2025 income, rate rounded down to one eighth of a point, capped capital. Subject to review and statutory amortisation; no 25-year total.

Read the official source

State guarantee

To be assessed

Public guarantee subject to savings, income and bank approval. Neither cash received nor a flat fee saving.

Read the official source

Checking your session…

Prepare your application

For energy work, gather technical advice, areas, performance data, dates and quotes; then obtain eligible amounts and cumulation rules. Announced reforms are not treated as enacted law.

Grants and conditions — Housing Ministry Klimabonus 2026 — official procedures

Chargement...

Housing assistance: 2026 estimate

Rules and sources checked on 8 September 2026. Ordinary scheme for 2026 deeds and new applications.

Your project

Project type

Main home in Luxembourg

Property price (excluding VAT for off-plan)

€

Number of beneficiary buyers

Property type

New / off-plan home

Works budget (identifying assistance)

€

Mortgage amount

€

A total budget cannot determine Klimabonus: technical measures, dates and quotes are required.

Household, income and grants

Adults in the household

Dependent children

Household net annual income in 2024

€

Household net annual income in 2025

€

Remaining capital-grant allowance — beneficiary 1

€

Remaining capital-grant allowance — beneficiary 2

€

Annual savings increases — beneficiary 1

Actual amounts separated by ; (example: 2000; 3500; 5000). One to ten years. Leave blank if unknown.

Annual savings increases — beneficiary 2

Actual amounts separated by ; (example: 2000; 3500; 5000). One to ten years. Leave blank if unknown.

Savings held at the same institution for at least one year, documented increases and at least 90% invested in the home within the statutory deadline.

Annual nominal loan rate

New loan and first subsidy entitlement: ownership, residence, occupancy and income conditions met. For renovation, qualifying works. No subsidy payments already used.

Tax relief

Remaining Bëllegen Akt — buyer 1

€

Remaining Bëllegen Akt — buyer 2

€

Buyer 1 ownership share

Private purchase eligible for Bëllegen Akt, occupancy and deadlines met; personal balances and ownership shares checked.

See detailed acquisition costs

Quantified one-off subtotal

To be assessed

Excludes unassessed assistance, monthly payments and guarantees. This is not the total of all possible assistance.

Capital grants : 0,00 €

Tax relief : 0,00 €

Initial interest subsidy, outside the total : To be assessed

5 scheme(s) still require assessment.

Bëllegen Akt

To be assessed

Based on personal balances, ownership shares and taxable base. Minimum duty €100. Already included in the acquisition-cost calculation.

Read the official source

Home purchase grant

To be assessed

Statutory formula using household composition and 2024/2025 average net income, adjusted for housing type and remaining personal allowances.

Read the official source

Savings grant

To be assessed

10% of actual annual savings growth, capped at €500/year for ten years per beneficiary. Purchase grant required; shared capital allowance.

Read the official source

Interest subsidy

To be assessed

Indicative initial monthly aid for a new loan: 2025 income, rate rounded down to one eighth of a point, capped capital. Subject to review and statutory amortisation; no 25-year total.

Read the official source

State guarantee

To be assessed

Public guarantee subject to savings, income and bank approval. Neither cash received nor a flat fee saving.

Read the official source

Checking your session…

Prepare your application

For energy work, gather technical advice, areas, performance data, dates and quotes; then obtain eligible amounts and cumulation rules. Announced reforms are not treated as enacted law.

Grants and conditions — Housing Ministry Klimabonus 2026 — official procedures

Housing assistance: 2026 estimate

Your project

Household, income and grants

Tax relief

Quantified one-off subtotal

Sign in for PDF reports

Bëllegen Akt

Home purchase grant

Savings grant

Interest subsidy

State guarantee

Prepare your application

Housing assistance: 2026 estimate

Your project

Household, income and grants

Tax relief

Quantified one-off subtotal

Sign in for PDF reports

Bëllegen Akt

Home purchase grant

Savings grant

Interest subsidy

State guarantee

Prepare your application