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Know your full acquisition budget before you make an offer. Registration and transcription duties, notary fees and VAT can add 8–13% on top of the asking price — while the Bëllegen Akt tax credit can hand up to €40.000 of it back, and a new build bought as your main home may qualify for 3% VAT instead of 17%. This calculator works out every line the notary will charge you, so you know what you actually need in the bank before you commit.
Tell us about the property you're buying so we can calculate the exact taxes and fees.
VEFA — Property Value Split
Land and completed construction → registration/transcription duties. Remaining construction → VAT.
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Estimated fees based on your inputs. Confirm exact amounts with your notary.
Market Context — Hesperange Commune
Estimate your mortgage based on down payment, interest rate and loan term.
Based on your acquisition cost. Adjust the inputs below to match your financing plan.
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Monthly Costs
Year-by-year breakdown of your mortgage payments, balance, and equity.
| Year | Interest paid | Principal paid | Mortgage balance | Home value | Home equity |
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Property value projection is for illustrative purposes only and does not constitute a guarantee of future returns. Based on STATEC 2026 data and Investropa/BCL market analysis. Actual appreciation may vary significantly.
You've got the numbers — now let's find the right property at the right price. zeas.immo works exclusively for buyers, starting in Hesperange.
Luxembourg property transactions involve several layers of costs that go beyond the sale price. Here is what each one means:
Registration tax is charged by the state on the transfer of ownership. The standard rate is 6%, with an additional 1% transcription tax. First-time buyers purchasing a primary residence may qualify for the Bëllegen Akt credit of up to €40.000 per buyer — permanently in place since July 2025.
Notary fees are set by law and calculated as a percentage of the purchase price. They cover the legal preparation and registration of the deed and typically range between 1% and 1,5% of the transaction value. Unlike a sale, where the seller carries the agency commission, these acquisition costs fall to you as the buyer.
VAT applies to new properties only. The standard rate is 17%, reduced to 3% for a primary residence on the construction portion still to be completed. The exact amount depends on the land share, construction progress, and how you intend to use the property. Existing properties are VAT-exempt — only registration and transcription duties apply.
You can review zeas.immo agency fees here. For a detailed breakdown of Luxembourg property buying costs, refer to the Administration de l'Enregistrement, des Domaines et de la TVA (AED). Selling as well as buying? Our selling cost calculator works out your net proceeds on the other side.
You do, as the buyer. Registration duty (6%), transcription duty (1%) and the notary's own fee on the deed are all charged to the buyer — the seller carries the agency commission instead. That asymmetry is why acquisition costs feel heavy here and selling costs feel light.
Budget roughly 8–13% on top of the price for an existing property, before any credit. The 7% in registration and transcription duty is fixed; notary fees add about 1–1,5%; the rest depends on whether VAT applies and on your mortgage arrangements. The Bëllegen Akt credit can pull that figure down sharply for a first primary residence.
It is a tax credit on registration and transcription duty for a property you will occupy as your main residence. It is worth up to €40.000 per buyer — so up to €80.000 for a couple buying together — and it has been a permanent measure since July 2025. Unused credit stays available for a later purchase, and it is applied by the notary at the deed rather than claimed back afterwards.
The reduced 3% rate applies to the construction portion of a new build (VEFA) that you will occupy as your primary residence, subject to a ceiling on the advantage. Buy the same new build as a rental investment and the standard 17% applies. Existing properties carry no VAT at all — only the registration and transcription duties.
On a VEFA purchase the price splits: the land share attracts registration and transcription duty, while the construction still to be completed attracts VAT instead. That split is set out in the deed, which is why the effective total on a new build often differs noticeably from an existing property at the same headline price.
Your deposit, plus the acquisition costs above, plus any mortgage arrangement fees — acquisition costs generally cannot be borrowed, so they have to be cash. Working out that number before you make an offer is exactly what the calculator above is for. Selling as well as buying? Our selling cost calculator works out your net proceeds on the other side.
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