Overview of housing aid in Luxembourg in 2026
The Grand Duchy of Luxembourg offers a comprehensive range of public housing aid, primarily managed by the Ministry of Housing. These aids aim to facilitate homeownership, support energy renovation and help modest households find decent housing.
- Acquisition premium (Bellegen Akt): tax credit up to EUR 20,000 per buyer on registration duties
- Interest subsidy: partial coverage of mortgage interest based on household income
- Construction/renovation premium: lump-sum aid for primary residence
- Rent subsidy: monthly contribution for low-income tenants
- Klimabonus / PRIMe House: energy renovation aid
Acquisition aid: Bellegen Akt, interest subsidy and state guarantee
For first-time buyers, Luxembourg offers an attractive package:
- Bellegen Akt: EUR 20,000 credit per person (max EUR 40,000 per couple)
- Interest subsidy: the state covers part of mortgage interest for 10 years
- State guarantee: the state guarantees up to EUR 100,000 for households with insufficient deposit
Energy renovation aid: PRIMe House and Klimabonus
The PRIMe House programme and Klimabonus support energy efficiency works:
- Thermal insulation: EUR 30-60/m²
- Heating replacement: EUR 2,500-8,000 for heat pumps or biomass
- Photovoltaic: EUR 200-500/kWp
- Energy advice: 50-70% subsidy on approved Myenergy advisor fees
Income conditions and application procedures
Most housing aids are subject to income conditions based on household taxable income. Applications are made through the Ministry of Housing (online at guichet.lu) or via Myenergy for energy aids.
Frequently asked questions about housing aid
What are the main home purchase aids in Luxembourg?
The main aids are the Bellegen Akt (up to EUR 40,000 tax credit), interest subsidy (partial mortgage interest coverage), and state guarantee (state surety up to EUR 100,000). All require the property to be the primary residence.
What is the Klimabonus amount in 2026?
The enhanced Klimabonus (since December 2024) provides premiums of EUR 30-60/m² for insulation, EUR 2,500-8,000 for renewable heating, and EUR 200-500/kWp for photovoltaics.
How do I apply for rent subsidy?
Apply online at guichet.lu or directly to the Ministry of Housing with your lease, salary slips, household composition and tax notice. Processing takes 2-4 months.
Are the aids cumulative?
Yes, in most cases. The Bellegen Akt, interest subsidy and state guarantee are cumulative. The Klimabonus is compatible with municipal aids but not with other state aids for the same works.
Are there specific aids for cross-border workers?
The Bellegen Akt is reserved for properties in Luxembourg. Cross-border workers residing abroad cannot access it. However, a cross-border worker becoming a resident can benefit when purchasing their primary residence in Luxembourg.