Aid Simulator

5 aid layers

State acquisition + energy renovation + private + municipal + equity — the most comprehensive simulator in Luxembourg

Project

Project type

Property price

EUR

Property type

Primary residence

Profile

Annual household income

EUR

Number of borrowers

Number of dependent children

Financing

Loan amount

EUR

Regular savings >= 3 years

EUR 1,000/year min. — required for State guarantee and savings bonus

Municipality

For specific municipal aids

Direct aids

71.500 €

Cash received or tax saved

Estimated savings

114.750 €

Interest avoided over the loan term

State guarantee

Public surety of 150.000 € — this is not cash, it is a guarantee that replaces private bank surety

Actual saving

~2.250 €

~1.5% of guaranteed amount

Total estimated benefit186.250 €

State aids (acquisition)(184.000 €)

Bëllegen Akt

Direct aid

Crédit d'impôt de 40.000 € par acquéreur sur les droits d'enregistrement

Résidence principale, première utilisation du crédit

52.500 €

Prime d'accession à la propriété

Direct aid

Max 10.000 €, majorée selon le type de bien

Sous conditions de revenus, résidence principale

14.000 €

Prime d'épargne

Direct aid

Prime unique de 5 000 € si 90% de l'épargne est investie

Épargne régulière pendant min. 3 ans, 90% investie dans l'acquisition

5.000 €

Subvention d'intérêt

Estimated saving

Réduction de 0,25% à 3,5% sur un prêt de max 220.000 € — économie estimée sur la durée du prêt

Sous conditions de revenus, résidence principale

82.500 €

Bonification d'intérêt

Estimated saving

Réduction de 0.5% (1 enfant(s) × 0,5%, max 3%) — économie estimée sur ~10 ans

Par enfant à charge, plafonnée à 3%

30.000 €

Important

Estimates — The amounts shown are estimates based on official scales. Actual aids depend on the review of your application by the Ministry of Housing and relevant agencies.

Municipal aids — Each municipality votes its own aids through municipal regulations. They are cumulative with State aids. Documented examples:

Luxembourg-Ville — Facade renovation subsidy: EUR 750 to 20,000 per building in a protected area, +10% in the UNESCO zone (Urbanisme department)
Lintgen — 50% of the State aid, capped at EUR 1,500
Bertrange — Municipal complement ~50% of State aid (variable cap)
Beckerich — Renewable energy and renovation supplements (Klimapakt municipality)
Esch-sur-Alzette / Dudelange — Facade subsidies in urban renewal zones

Contact the urbanisme/housing department of your municipality for the exact amounts currently in force. Regulations are voted by the municipal council and may change.

Stacking — The 5 aid layers are in principle cumulative, up to an overall cap of EUR 35,000 for capital bonuses.

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