A guided journey for confident decisions
Buying in Luxembourg means juggling four questions: how much is the property worth, what are the acquisition fees, which state aids apply, and — if you plan to rent it out — what is the legal rent cap under the 5% rule. Our journey chains these four steps and automatically reuses the information you have already entered.
The 4 steps
1. Estimation: price per sqm by municipality/neighbourhood, adjusted for condition, floor, outdoor, parking and energy class. 2. Acquisition fees: registration duties, Bëllegen Akt credit, 3% VAT on new primary residence, notary fees, mortgage registration. 3. Aids: the 5 layers (state, energy retrofit, private, communal, heritage). 4. 5% rule: legal rent cap if you plan to rent the property.
Why a journey rather than four separate tools
Your negotiated price flows automatically into fees and aids. Ticking primary residence or new construction in step 2 changes the aid thresholds in step 3. The final recap computes the estimated net cost (price + fees − cash aids) so you immediately know the total capital to mobilise.
What the journey does not replace
This journey provides an indicative estimate based on public data from Observatoire de l'Habitat, STATEC and Luxembourg tax scales. It does not replace a personalised loan simulation from a bank, nor a formal TEGOVA EVS 2025 valuation report for a binding transaction.
Frequently asked questions
Do I need an account to use the journey?
No. The journey runs entirely in your browser. No data is sent to our servers unless you explicitly save your scenario in a logged-in account.
Does the estimation account for energy class?
Yes. Energy class adjusts the per-sqm price using hedonic coefficients observed on the Luxembourg market: a bonus for A/B, a progressive discount from class E.
Which aids are computed?
All 5 layers: state acquisition aids (Bëllegen Akt, 3% VAT relief), energy renovation (Klimabonus, Klimaprêt), private aids (housing savings premium), communal aids (variable by municipality) and heritage aids (listed properties).
Does the 5% rule apply if I live in the property myself?
No. The legal cap applies only to rented properties. If you buy for yourself, skip step 4 — it is only relevant if you plan to rent the property later.