{"id":50570,"date":"2026-05-17T20:16:52","date_gmt":"2026-05-17T20:16:52","guid":{"rendered":"https:\/\/zeas.immo\/?page_id=50570"},"modified":"2026-05-19T22:03:00","modified_gmt":"2026-05-19T22:03:00","slug":"how-to-buy-property-in-luxembourg","status":"publish","type":"page","link":"https:\/\/zeas.immo\/en\/how-to-buy-property-in-luxembourg\/","title":{"rendered":"How to buy property in Luxembourg"},"content":{"rendered":"\t\t
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\n\t\t\t\t\t\n\n\n\n\n\nHow to Buy Property in Luxembourg \u2014 Complete Guide 2026 \u00b7 zeas.immo<\/title>\n<meta name=\"description\" content=\"How to buy property in Luxembourg in 2026: costs, price benchmarks, the full purchase process, tax credits and due diligence \u2014 explained in plain language.\">\n<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\n<link rel=\"preconnect\" href=\"https:\/\/fonts.gstatic.com\" crossorigin>\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Poppins:wght@400;700;900&display=swap\" rel=\"stylesheet\">\n<link rel=\"stylesheet\" href=\"https:\/\/cdn.jsdelivr.net\/npm\/@tabler\/icons-webfont@latest\/dist\/tabler-icons.min.css\">\n\n<style>\n\/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\n BASE RESET & TOKENS\n\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\n*, *::before, *::after { box-sizing: border-box; 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}\n\n \/* \u2500\u2500 Grids \u2500\u2500 *\/\n .grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }\n .grid-3 { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 18px; }\n .grid-4 { display: grid; grid-template-columns: repeat(4,1fr); gap: 14px; }\n\n \/* \u2500\u2500 Panels \u2500\u2500 *\/\n .panel {\n background: var(--soft);\n border: 1px solid var(--border);\n border-radius: 8px;\n padding: 20px 22px;\n }\n .white-panel {\n background: #fff;\n border: 1px solid var(--border);\n border-radius: 8px;\n padding: 14px 16px;\n }\n .panel-title {\n font-size: 15px;\n font-weight: 700;\n color: var(--dark);\n letter-spacing: -.02em;\n margin-bottom: 14px;\n }\n\n \/* \u2500\u2500 Fact list \u2500\u2500 *\/\n .fact-list { list-style: none; padding: 0; }\n .fact-list li {\n display: grid;\n grid-template-columns: 28px 1fr;\n gap: 10px;\n align-items: flex-start;\n padding: 9px 0;\n border-bottom: 1px solid var(--border);\n font-size: 13px;\n color: var(--muted);\n line-height: 1.45;\n }\n .fact-list li:last-child { border-bottom: none; 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}\n .r-card.r2 { background: #edf7ef; border: 1px solid #d8eadb; }\n .r-card.r3 { background: #fff1e9; border: 1px solid #ffd8c7; }\n .r-card i { font-size: 20px; display: block; margin-bottom: 8px; }\n .r-card.r1 i { color: var(--muted); }\n .r-card.r2 i { color: var(--green); }\n .r-card.r3 i { color: var(--orange); }\n .r-title { font: 700 13.5px 'Helvetica Neue',Arial,sans-serif; color: var(--dark); margin-bottom: 5px; }\n .r-text { font-size: 12.5px; color: var(--muted); line-height: 1.5; }\n\n \/* \u2500\u2500 Step label \u2500\u2500 *\/\n .step-label { display: flex; align-items: center; gap: 9px; margin-bottom: 12px; }\n .step-num {\n width: 24px; height: 24px;\n border-radius: 50%;\n background: var(--orange);\n color: #fff;\n font: 700 11px 'Helvetica Neue', Arial, sans-serif;\n display: flex; align-items: center; justify-content: center;\n flex-shrink: 0;\n }\n .step-title { font: 700 15px 'Helvetica Neue',Arial,sans-serif; color: var(--dark); letter-spacing: -.02em; }\n .step-subtitle { font-size: 12px; color: var(--orange); font-style: italic; }\n\n \/* \u2500\u2500 Price tables \u2500\u2500 *\/\n .pt-head {\n font: 700 10px 'Helvetica Neue', Arial, sans-serif;\n color: var(--muted);\n text-transform: uppercase;\n letter-spacing: .08em;\n margin: 12px 0 5px;\n display: flex; align-items: center; gap: 5px;\n }\n .pt-head i { color: var(--orange); font-size: 12px; }\n table { width: 100%; border-collapse: collapse; }\n th {\n text-align: left;\n padding: 5px 6px 6px;\n border-bottom: 1px solid #dcd7d1;\n font: 700 9px 'Helvetica Neue', Arial, sans-serif;\n color: var(--muted);\n text-transform: uppercase;\n letter-spacing: .08em;\n }\n td {\n padding: 6px;\n border-bottom: 1px solid #ece7e0;\n font-size: 12.5px;\n line-height: 1.35;\n vertical-align: middle;\n }\n tbody tr:last-child td { border-bottom: none; }\n .td-hi { color: var(--orange); font-weight: 700; }\n\n \/* \u2500\u2500 Cost list \u2500\u2500 *\/\n .cost-list {\n display: grid;\n grid-template-columns: 1fr auto;\n gap: 5px 14px;\n margin-top: 10px;\n }\n .cost-list > div {\n padding-bottom: 5px;\n border-bottom: 1px solid var(--border);\n font-size: 12.5px;\n line-height: 1.35;\n }\n .cl-amount { text-align: right; font-weight: 600; color: var(--dark); }\n .cl-green { color: var(--green); font-weight: 600; }\n .cl-total { color: var(--orange); font-weight: 700; font-size: 13px; border-bottom: none !important; }\n .cl-divider { grid-column: 1\/-1; height: 1px; background: #bbb; padding: 0; border: none !important; margin: 2px 0; }\n .cl-nb { border-bottom: none !important; }\n .cl-bold { font-weight: 600; color: var(--dark); }\n\n \/* \u2500\u2500 Calculator CTA panel \u2500\u2500 *\/\n .calc-cta {\n background: var(--orange);\n border-radius: 8px;\n padding: 24px 26px;\n display: flex;\n flex-direction: column;\n justify-content: center;\n gap: 10px;\n }\n .calc-cta .eyebrow {\n font-size: 10px; font-weight: 700;\n text-transform: uppercase; letter-spacing: .18em;\n color: rgba(255,255,255,.6);\n }\n .calc-cta h3 {\n font-size: 19px; font-weight: 700;\n color: #fff; letter-spacing: -.03em;\n line-height: 1.15;\n }\n .calc-cta p {\n font-size: 13px; color: rgba(255,255,255,.8);\n line-height: 1.55;\n }\n .btn-white {\n display: inline-flex; align-items: center; gap: 7px;\n background: #fff; color: var(--orange);\n font: 700 13px 'Helvetica Neue',Arial,sans-serif;\n padding: 10px 18px; border-radius: 999px;\n text-decoration: none; align-self: flex-start;\n margin-top: 4px;\n transition: opacity .15s;\n }\n .btn-white:hover { opacity: .9; text-decoration: none; }\n\n \/* \u2500\u2500 Process step cards \u2500\u2500 *\/\n .step-card {\n background: #fff;\n border: 1px solid var(--border);\n border-radius: 8px;\n padding: 16px 14px;\n position: relative;\n display: flex;\n flex-direction: column;\n transition: border-color .15s, background .15s;\n }\n .step-card:hover { border-color: rgba(255,92,11,.4); background: #fff6f1; }\n .card-num {\n position: absolute; top: 10px; right: 12px;\n font: 700 20px 'Helvetica Neue',Arial,sans-serif;\n color: rgba(0,0,0,.07); line-height: 1;\n }\n .step-card i { font-size: 24px; color: var(--orange); display: block; margin-bottom: 9px; }\n .step-card h3 { font-size: 14px; font-weight: 700; 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padding: 2.5mm 4mm;\n }\n .p-p2-bottom .p-step-label { margin-bottom: 0; flex-shrink: 0; }\n .p-p2-bottom .p-step-content { flex: 1; display: flex; gap: 5mm; align-items: flex-start; }\n .p-p2-bottom ul { margin: 0; padding-left: 4mm; }\n .p-p2-bottom li { font-size: 11.5px; margin-bottom: 1.5mm; }\n\n} \/* end @media print *\/\n\n<\/style>\n<\/head>\n<body>\n\n<!-- \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\n WEB LAYOUT \u2014 screen only\n\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 -->\n<div class=\"web-guide\">\n\n <!-- HERO -->\n <div class=\"web-hero\">\n <div class=\"inner\">\n <div class=\"hero-left\">\n <div class=\"hero-eyebrow\">Buyer's guide \u00b7 Luxembourg \u00b7 2026<\/div>\n <h1 class=\"hero-title\">How to Buy Property<br>in Luxembourg<\/h1>\n <p class=\"hero-sub\">Costs \u00b7 market prices \u00b7 the full purchase process \u00b7 tax credits and due diligence \u2014 explained in plain language.<\/p>\n <p class=\"hero-scroll\">Scroll to read \u2193<\/p>\n <\/div>\n <div class=\"hero-toc\">\n <div class=\"hero-toc-label\">Contents<\/div>\n <div class=\"hero-toc-items\">\n <a href=\"#sec1\">1 \u00b7 Understanding the market<\/a>\n <a href=\"#sec2\">2 \u00b7 Your first steps<\/a>\n <a href=\"#sec3\">3 \u00b7 The buying process<\/a>\n <a href=\"#sec4\">4 \u00b7 Before you sign<\/a>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n\n <!-- SECTION 1 -->\n <div class=\"web-sec\" id=\"sec1\">\n <div class=\"kicker\">Section 1<\/div>\n <h2 class=\"sec-title\">Luxembourg & where people buy<\/h2>\n <div class=\"grid-2\">\n <div class=\"panel\">\n <div class=\"panel-title\">Luxembourg \u2014 key facts<\/div>\n <ul class=\"fact-list\">\n <li><div class=\"fact-icon\"><i class=\"ti ti-users\"><\/i><\/div><div><strong>Population ~680,000<\/strong> \u2014 over 47% are foreign nationals. The most international country in the EU.<\/div><\/li>\n <li><div class=\"fact-icon\"><i class=\"ti ti-language\"><\/i><\/div><div><strong>4 official languages<\/strong> \u2014 Luxembourgish, French, German, English. Property documents are typically in French.<\/div><\/li>\n <li><div class=\"fact-icon\"><i class=\"ti ti-plane-arrival\"><\/i><\/div><div><strong>~220,000 cross-border workers<\/strong> commute daily from France, Belgium, and Germany.<\/div><\/li>\n <li><div class=\"fact-icon\"><i class=\"ti ti-home-check\"><\/i><\/div><div><strong>Open to everyone.<\/strong> Residents and non-residents can buy freely. No nationality restrictions on property ownership.<\/div><\/li>\n <li><div class=\"fact-icon\"><i class=\"ti ti-coin\"><\/i><\/div><div><strong>20% personal contribution<\/strong> typically required. Some first-time buyer schemes allow less \u2014 confirm with your bank.<\/div><\/li>\n <li><div class=\"fact-icon\"><i class=\"ti ti-file-euro\"><\/i><\/div><div><strong>Government tax credits<\/strong> (B\u00ebllegen Akt) can offset up to \u20ac80,000 in acquisition costs for a primary residence.<\/div><\/li>\n <\/ul>\n <\/div>\n <div class=\"panel\">\n <div class=\"panel-title\">Where people buy \u2014 main areas<\/div>\n <ul class=\"zone-list\">\n <li><span class=\"zone-name\">Luxembourg City<\/span><span class=\"zone-desc\">Most expensive. Urban, dense, central. Highest demand from international professionals.<\/span><\/li>\n <li><span class=\"zone-name\">Hesperange commune<\/span><span class=\"zone-desc\">South of the city. Family-oriented, green, sought-after schools. Strong long-term value.<\/span><\/li>\n <li><span class=\"zone-name\">South \u2014 Esch, Sanem, Differdange<\/span><span class=\"zone-desc\">More affordable. Good motorway and rail links. Growing infrastructure investment.<\/span><\/li>\n <li><span class=\"zone-name\">East \u2014 Grevenmacher, Remich<\/span><span class=\"zone-desc\">Moselle valley. Quieter pace. Wine country. Longer commute to the city.<\/span><\/li>\n <li><span class=\"zone-name\">West \u2014 Capellen, Mersch<\/span><span class=\"zone-desc\">Suburban. Good motorway access. Mix of houses and new-build apartments.<\/span><\/li>\n <li><span class=\"zone-name\">North \u2014 Diekirch, Ettelbruck<\/span><span class=\"zone-desc\">Most affordable. Rural character. Suitable if remote work is an option.<\/span><\/li>\n <\/ul>\n <p class=\"caption\">This guide applies wherever in Luxembourg you are buying.<\/p>\n <\/div>\n <\/div>\n <div class=\"reasons\">\n <div class=\"r-card r1\"><i class=\"ti ti-trending-up\"><\/i><div class=\"r-title\">Stable, growing market<\/div><div class=\"r-text\">Luxembourg property values have grown consistently over 20 years. Demand from a highly international workforce sustains long-term price resilience.<\/div><\/div>\n <div class=\"r-card r2\"><i class=\"ti ti-map-pin\"><\/i><div class=\"r-title\">Geography & connectivity<\/div><div class=\"r-text\">At the heart of Europe, bordering France, Belgium, and Germany. One of the best-connected countries for both work and travel.<\/div><\/div>\n <div class=\"r-card r3\"><i class=\"ti ti-shield-check\"><\/i><div class=\"r-title\">Strong legal framework<\/div><div class=\"r-text\">Property rights are well-protected. Government incentives make homeownership accessible. No restrictions on foreign buyers.<\/div><\/div>\n <\/div>\n <\/div>\n\n <!-- SECTION 2 -->\n <div class=\"web-sec\" id=\"sec2\">\n <div class=\"kicker\">Section 2<\/div>\n <h2 class=\"sec-title\">Your first steps<\/h2>\n <div class=\"grid-2\" style=\"margin-bottom:20px;\">\n\n <!-- Step 1 -->\n <div class=\"panel\">\n <div class=\"step-label\"><div class=\"step-num\">1<\/div><div><div class=\"step-title\">Understand the market<\/div><div class=\"step-subtitle\">Find a property yourself \u2014 or hire a buyer's agent<\/div><\/div><\/div>\n <p class=\"small\">Search <strong>Athome.lu<\/strong>, <strong>Immotop.lu<\/strong>, <strong>Wortimmo.lu<\/strong>. A buyer's agent gives you off-market access and negotiates exclusively for you \u2014 <a href=\"https:\/\/zeas.immo\/en\/buying-property-in-luxembourg\/\" target=\"_blank\">learn how it works<\/a>.<\/p>\n <div class=\"pt-head\"><i class=\"ti ti-building\"><\/i> Apartments \u2014 asking prices Q1 2026<\/div>\n <table><thead><tr><th>Area<\/th><th>Range<\/th><th>Median<\/th><th>\u20ac\/m\u00b2<\/th><th>Avg size<\/th><\/tr><\/thead><tbody>\n <tr><td><strong>Luxembourg City<\/strong><\/td><td>\u20ac658k\u2013\u20ac1.04M<\/td><td class=\"td-hi\">\u20ac793k<\/td><td>\u20ac12,478<\/td><td>68 m\u00b2<\/td><\/tr>\n <tr><td><strong>Hesperange<\/strong><\/td><td>\u20ac740k\u2013\u20ac1.14M<\/td><td class=\"td-hi\">\u20ac890k<\/td><td>\u20ac9,545<\/td><td>90 m\u00b2<\/td><\/tr>\n <tr><td><strong>Rest of country<\/strong><\/td><td>\u20ac485k\u2013\u20ac725k<\/td><td class=\"td-hi\">\u20ac588k<\/td><td>\u20ac7,779<\/td><td>81 m\u00b2<\/td><\/tr>\n <\/tbody><\/table>\n <div class=\"pt-head mt-2\"><i class=\"ti ti-home\"><\/i> Houses \u2014 asking prices Q1 2026<\/div>\n <table><thead><tr><th>Area<\/th><th>Range<\/th><th>Median<\/th><th>\u20ac\/m\u00b2<\/th><th>Avg size<\/th><\/tr><\/thead><tbody>\n <tr><td><strong>Luxembourg City<\/strong><\/td><td>\u20ac1.20M\u2013\u20ac2.85M<\/td><td class=\"td-hi\">\u20ac1.94M<\/td><td>\u20ac9,050<\/td><td>220 m\u00b2<\/td><\/tr>\n <tr><td><strong>Hesperange<\/strong><\/td><td>\u20ac1.10M\u2013\u20ac1.80M<\/td><td class=\"td-hi\">\u20ac1.45M<\/td><td>\u20ac7,903<\/td><td>191 m\u00b2<\/td><\/tr>\n <tr><td><strong>Rest of country<\/strong><\/td><td>\u20ac779k\u2013\u20ac1.20M<\/td><td class=\"td-hi\">\u20ac995k<\/td><td>\u20ac5,653<\/td><td>176 m\u00b2<\/td><\/tr>\n <\/tbody><\/table>\n <p class=\"caption\">Asking prices from public aggregators, Q1 2026. Sold prices typically 10\u201315% lower.<\/p>\n <\/div>\n\n <!-- Step 2 -->\n <div class=\"panel\">\n <div class=\"step-label\"><div class=\"step-num\">2<\/div><div><div class=\"step-title\">Set your full budget<\/div><div class=\"step-subtitle\">What sellers ask is not what you pay<\/div><\/div><\/div>\n <div class=\"white-panel\" style=\"margin-bottom:12px;\">\n <p style=\"font-size:13px;font-weight:700;margin-bottom:6px;\">New build vs existing property<\/p>\n <p class=\"small\"><strong>Existing:<\/strong> Registration duty 7% + transcription 1% + notary ~1.2%.<\/p>\n <p class=\"small mt-2\"><strong>New build:<\/strong> VAT 17% replaces registration duty. A reduced rate of 3% may apply for a primary residence \u2014 confirm with your notary before signing.<\/p>\n <\/div>\n <p style=\"font-size:13px;font-weight:700;margin-bottom:8px;\">Example \u2014 purchasing at \u20ac800,000 (existing property)<\/p>\n <div class=\"cost-list\">\n <div>Registration duty (6%)<\/div><div class=\"cl-amount\">\u20ac48,000<\/div>\n <div>Transcription duty (1%)<\/div><div class=\"cl-amount\">\u20ac8,000<\/div>\n <div>Notary fees (~1.2%)<\/div><div class=\"cl-amount\">\u20ac9,600<\/div>\n <div>Agency fees<\/div><div class=\"cl-amount\">Variable<\/div>\n <div class=\"cl-divider\"><\/div>\n <div class=\"cl-bold\">Subtotal<\/div><div class=\"cl-amount cl-bold\">~\u20ac65,600<\/div>\n <div class=\"cl-green\">B\u00ebllegen Akt credit (2 adults, primary res.)<\/div><div class=\"cl-amount cl-green\">\u2212\u20ac80,000<\/div>\n <div class=\"cl-total cl-nb\">Net cost above purchase price<\/div><div class=\"cl-amount cl-total cl-nb\">~\u20ac0\u2013\u20ac15,600<\/div>\n <\/div>\n <p class=\"small mt-2\">\n <a href=\"https:\/\/zeas.immo\/en\/buying-cost-calculator\/\" target=\"_blank\">\u2192 Cost calculator<\/a>\n  \u00b7 \n <a href=\"https:\/\/zeas.immo\/en\/property-acquisition-costs-luxembourg-the-complete-2026-breakdown\/\" target=\"_blank\">\u2192 Full cost breakdown<\/a>\n <\/p>\n <\/div>\n <\/div>\n\n <div class=\"grid-2\">\n <!-- Step 3 -->\n <div class=\"panel\">\n <div class=\"step-label\"><div class=\"step-num\">3<\/div><div><div class=\"step-title\">Mortgage pre-approval<\/div><div class=\"step-subtitle\">Before your first viewing<\/div><\/div><\/div>\n <ul>\n <li><strong>Approach 2\u20133 banks<\/strong> before searching. A written pre-approval letter gives you credibility when making an offer.<\/li>\n <li><strong>Banks check:<\/strong> last 3 payslips, 2 years of tax returns, existing debts, savings history, employment contract type.<\/li>\n <li><strong>LTV is typically 80%<\/strong> for residents. Non-residents and self-employed should expect stricter requirements.<\/li>\n <li><strong>Budget renovation separately.<\/strong> Banks lend on purchase price, not on planned works. <a href=\"https:\/\/zeas.immo\/en\/buying-property-in-luxembourg\/\" target=\"_blank\">\u2192 Mortgage guide<\/a><\/li>\n <\/ul>\n <\/div>\n <!-- Step 4 \u2014 CTA panel -->\n <div class=\"calc-cta\">\n <div class=\"eyebrow\">Free tool \u00b7 Step 4<\/div>\n <h3>Know your exact total<br>before you offer<\/h3>\n <p>Buying costs in Luxembourg go beyond the asking price \u2014 registration duty, notary fees, and transcription add up fast. Use our free calculator to get a full cost breakdown before making any offer.<\/p>\n <a class=\"btn-white\" href=\"https:\/\/zeas.immo\/en\/buying-cost-calculator-luxembourg\/\" target=\"_blank\"><i class=\"ti ti-calculator\"><\/i> Calculate my buying costs \u2192<\/a>\n <p style=\"font-size:11.5px;color:rgba(255,255,255,.55);\">Includes registration duty, transcription, notary fees, B\u00ebllegen Akt credit, and net cost estimate.<\/p>\n <\/div>\n <\/div>\n <\/div>\n\n <!-- SECTION 3 -->\n <div class=\"web-sec\" id=\"sec3\">\n <div class=\"kicker\">Section 3<\/div>\n <h2 class=\"sec-title\">The buying process \u2014 8 steps<\/h2>\n <div class=\"grid-4\">\n <div class=\"step-card\"><div class=\"card-num\">01<\/div><i class=\"ti ti-calculator\"><\/i><h3>Set your budget<\/h3><p>Total cost including all taxes and fees \u2014 not just the asking price.<\/p><a href=\"https:\/\/zeas.immo\/en\/buying-cost-calculator\/\" target=\"_blank\">\u2192 Cost calculator<\/a><\/div>\n <div class=\"step-card\"><div class=\"card-num\">02<\/div><i class=\"ti ti-building-bank\"><\/i><h3>Get pre-approval<\/h3><p>Written mortgage letter in hand before your first viewing.<\/p><a href=\"https:\/\/zeas.immo\/en\/buying-property-in-luxembourg\/\" target=\"_blank\">\u2192 Mortgage guide<\/a><\/div>\n <div class=\"step-card\"><div class=\"card-num\">03<\/div><i class=\"ti ti-home-search\"><\/i><h3>Search & shortlist<\/h3><p>Portals plus off-market access. Check CPE class on every property.<\/p><a href=\"https:\/\/zeas.immo\/en\/exp-properties\/\" target=\"_blank\">\u2192 Browse listings<\/a><\/div>\n <div class=\"step-card\"><div class=\"card-num\">04<\/div><i class=\"ti ti-file-search\"><\/i><h3>Due diligence<\/h3><p>Title, CPE, syndic charges, permits, co-ownership rules.<\/p><a href=\"https:\/\/zeas.immo\/en\/property-buying-process-in-luxembourg\/\" target=\"_blank\">\u2192 What to check<\/a><\/div>\n <div class=\"step-card\"><div class=\"card-num\">05<\/div><i class=\"ti ti-writing-sign\"><\/i><h3>Make an offer<\/h3><p>Use comparable sold prices, not asking prices. Put all conditions in writing.<\/p><a href=\"https:\/\/zeas.immo\/en\/property-buying-process-in-luxembourg\/\" target=\"_blank\">\u2192 Negotiation tips<\/a><\/div>\n <div class=\"step-card\"><div class=\"card-num\">06<\/div><i class=\"ti ti-file-description\"><\/i><h3>Compromis de vente<\/h3><p>Binding contract. 10% deposit. Always include a suspensive financing clause.<\/p><a href=\"https:\/\/zeas.immo\/en\/property-buying-process-in-luxembourg\/\" target=\"_blank\">\u2192 What it means<\/a><\/div>\n <div class=\"step-card\"><div class=\"card-num\">07<\/div><i class=\"ti ti-scale\"><\/i><h3>Notary deed<\/h3><p>Acte notari\u00e9 signed. Full payment transferred. Keys handed over \u2014 same day.<\/p><a href=\"https:\/\/zeas.immo\/en\/property-buying-process-in-luxembourg\/\" target=\"_blank\">\u2192 Notary process<\/a><\/div>\n <div class=\"step-card\"><div class=\"card-num\">08<\/div><i class=\"ti ti-receipt-tax\"><\/i><h3>Tax & registration<\/h3><p>Claim B\u00ebllegen Akt via AED. Must be filed \u2014 it is not applied automatically.<\/p><a href=\"https:\/\/aed.gouvernement.lu\" target=\"_blank\" rel=\"noopener\">\u2192 AED official site<\/a><\/div>\n <\/div>\n <div class=\"timeline\">\n <div class=\"kicker\" style=\"margin-bottom:14px;\">Typical timeline<\/div>\n <div class=\"tl-row\">\n <div class=\"tl-item\"><div class=\"tl-dot\">1<\/div><h4>Set budget<\/h4><p>Week 1<\/p><\/div>\n <div class=\"tl-item\"><div class=\"tl-dot\">2<\/div><h4>Pre-approval<\/h4><p>Weeks 1\u20133<\/p><\/div>\n <div class=\"tl-item\"><div class=\"tl-dot\">3<\/div><h4>Search<\/h4><p>Weeks 2\u20138+<\/p><\/div>\n <div class=\"tl-item\"><div class=\"tl-dot\">4<\/div><h4>Due diligence<\/h4><p>1\u20132 weeks<\/p><\/div>\n <div class=\"tl-item\"><div class=\"tl-dot\">5<\/div><h4>Make offer<\/h4><p>Day 0<\/p><\/div>\n <div class=\"tl-item\"><div class=\"tl-dot\">6<\/div><h4>Compromis<\/h4><p>Weeks 1\u20133<\/p><\/div>\n <div class=\"tl-item\"><div class=\"tl-dot\">7<\/div><h4>Notary deed<\/h4><p>Weeks 6\u201312<\/p><\/div>\n <div class=\"tl-item\"><div class=\"tl-dot\">8<\/div><h4>Tax & keys<\/h4><p>Same day<\/p><\/div>\n <\/div>\n <\/div>\n <\/div>\n\n <!-- SECTION 4 -->\n <div class=\"web-sec\" id=\"sec4\">\n <div class=\"kicker\">Section 4<\/div>\n <h2 class=\"sec-title\">Before you sign<\/h2>\n <div class=\"grid-3\">\n\n <!-- Col 1 -->\n <div class=\"panel\" style=\"display:flex;flex-direction:column;\">\n <div class=\"panel-title\">Who is your agent working for?<\/div>\n <div class=\"icon-row\"><div class=\"icon-cell\"><i class=\"ti ti-user-dollar\"><\/i><\/div><div class=\"icon-text\"><strong>Standard agent = seller's agent.<\/strong> Their legal duty is to the person who hired them \u2014 not you. This is the default arrangement in Luxembourg.<\/div><\/div>\n <div class=\"icon-row\"><div class=\"icon-cell\"><i class=\"ti ti-alert-circle\"><\/i><\/div><div class=\"icon-text\"><strong>Not required to flag problems.<\/strong> Property issues, pricing gaps, title risks, and structural defects are yours to identify.<\/div><\/div>\n <div class=\"icon-row\"><div class=\"icon-cell green\"><i class=\"ti ti-shield-check\"><\/i><\/div><div class=\"icon-text\"><strong>Independent buyer's agent = your agent.<\/strong> Mandated by you, paid by you. Negotiates exclusively in your interest.<\/div><\/div>\n <div class=\"icon-row\"><div class=\"icon-cell\"><i class=\"ti ti-clock\"><\/i><\/div><div class=\"icon-text\"><strong>Speed matters.<\/strong> A buyer's agent moves faster \u2014 pre-vetted contacts, direct seller access, and fewer delays.<\/div><\/div>\n <div class=\"icon-row\"><div class=\"icon-cell\"><i class=\"ti ti-coin-euro\"><\/i><\/div><div class=\"icon-text\"><strong>Negotiation is part of the service.<\/strong> Benchmarks against real sold prices and negotiates the gap.<\/div><\/div>\n <p class=\"link-row\" style=\"margin-top:auto;\"><a href=\"https:\/\/zeas.immo\/en\/agency-fees\/\" target=\"_blank\">\u2192 How agency fees work<\/a><\/p>\n <\/div>\n\n <!-- Col 2 -->\n <div class=\"panel\">\n <div class=\"panel-title\">5 things to check before making an offer<\/div>\n <ul class=\"check-list\">\n <li><span class=\"ck-num\">01<\/span><span class=\"ck-text\"><strong>Energy passport (CPE)<\/strong>Request the full certificate \u2014 not just the label. The rating affects your mortgage rate, running costs, and future resale value.<\/span><\/li>\n <li><span class=\"ck-num\">02<\/span><span class=\"ck-text\"><strong>Legal charges on title (hypoth\u00e8ques)<\/strong>A notary or lawyer can verify the title is clean and free of undisclosed charges before you commit.<\/span><\/li>\n <li><span class=\"ck-num\">03<\/span><span class=\"ck-text\"><strong>Co-ownership rules (r\u00e8glement de copropri\u00e9t\u00e9)<\/strong>For apartments: what can you renovate, rent out, or modify? Rules vary significantly between buildings.<\/span><\/li>\n <li><span class=\"ck-num\">04<\/span><span class=\"ck-text\"><strong>Planning permits for any works<\/strong>Extensions and modifications need the correct permits \u2014 they transfer with the property to you.<\/span><\/li>\n <li><span class=\"ck-num\">05<\/span><span class=\"ck-text\"><strong>Outstanding syndic charges<\/strong>Unpaid co-ownership charges pass to the new owner. Always request the latest syndic statement before signing.<\/span><\/li>\n <\/ul>\n <p class=\"link-row\"><a href=\"https:\/\/zeas.immo\/en\/property-buying-process-in-luxembourg\/\" target=\"_blank\">\u2192 Full due diligence guide<\/a><\/p>\n <\/div>\n\n <!-- Col 3 -->\n <div class=\"panel\">\n <div class=\"panel-title\">Tax moves that save real money<\/div>\n <div class=\"tax-stack\">\n <div class=\"tax-box\">\n <h3>Is this your first property in Luxembourg?<\/h3>\n <div class=\"tax-amt\">\u20ac40,000 \u2013 \u20ac80,000 back<\/div>\n <p>The B\u00ebllegen Akt credit gives \u20ac40,000 per person on registration duty for a primary residence. Married or under PACS? That's \u20ac80,000 combined. Apply via AED \u2014 not automatic.<\/p>\n <p class=\"small mt-2\"><a href=\"https:\/\/aed.gouvernement.lu\" target=\"_blank\" rel=\"noopener\">\u2192 Apply via AED (official site)<\/a><\/p>\n <\/div>\n <div class=\"tax-box\">\n <h3>Planning to sell within 2 years?<\/h3>\n <div class=\"tax-amt\">Capital gain taxed at full marginal rate \u2014 up to 45.78%<\/div>\n <p>A sale within 2 years is treated as speculative profit. Hold beyond 2 years and the rate drops to approx. 20\u201323%. Always confirm current rules with your notary.<\/p>\n <\/div>\n <div class=\"tax-box\">\n <h3>Mortgage interest deduction<\/h3>\n <div class=\"tax-amt\">Save up to \u20ac4,000\/year on your tax return<\/div>\n <p>Mortgage interest on your primary residence is tax-deductible. The ceiling rises with household size. Declare it annually.<\/p>\n <p class=\"small mt-2\"><a href=\"https:\/\/zeas.immo\/en\/property-acquisition-costs-luxembourg-the-complete-2026-breakdown\/\" target=\"_blank\">\u2192 Full tax breakdown<\/a><\/p>\n <\/div>\n <\/div>\n <\/div>\n\n <\/div>\n <\/div>\n\n<\/div><!-- \/web-guide -->\n\n<!-- \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\n PRINT LAYOUT \u2014 4 \u00d7 A4 landscape\n Hidden on screen, rendered on print\n\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 -->\n<div class=\"print-guide\">\n\n<!-- PAGE 1 -->\n<section class=\"page\">\n <header class=\"page-header\">\n <a class=\"head-url\" href=\"https:\/\/www.zeas.immo\">www.zeas.immo<\/a>\n <div class=\"head-right\">\n <div class=\"head-meta\">\n <div class=\"head-title\">How to Buy Property in Luxembourg \u2014 2026 Guide<\/div>\n <div class=\"head-sub\">Understanding the market<\/div>\n <\/div>\n <div class=\"badge\">Page 1 of 4<\/div>\n <\/div>\n <\/header>\n <main class=\"content\">\n <div class=\"p-grid-2\" style=\"flex:1;min-height:0;\">\n <div class=\"p-soft\">\n <h3 class=\"p-h3\" style=\"margin-bottom:3mm;\">Luxembourg \u2014 key facts<\/h3>\n <ul class=\"p-fact-list\">\n <li><div class=\"p-fact-icon\"><i class=\"ti ti-users\"><\/i><\/div><div><strong>Population ~680,000<\/strong> \u2014 over 47% are foreign nationals. The most international country in the EU.<\/div><\/li>\n <li><div class=\"p-fact-icon\"><i class=\"ti ti-language\"><\/i><\/div><div><strong>4 official languages<\/strong> \u2014 Luxembourgish, French, German, English. Property documents are typically in French.<\/div><\/li>\n <li><div class=\"p-fact-icon\"><i class=\"ti ti-plane-arrival\"><\/i><\/div><div><strong>~220,000 cross-border workers<\/strong> commute daily from France, Belgium, and Germany.<\/div><\/li>\n <li><div class=\"p-fact-icon\"><i class=\"ti ti-home-check\"><\/i><\/div><div><strong>Open to everyone.<\/strong> Residents and non-residents can buy freely. No nationality restrictions on property ownership.<\/div><\/li>\n <li><div class=\"p-fact-icon\"><i class=\"ti ti-coin\"><\/i><\/div><div><strong>20% personal contribution<\/strong> typically required. Some first-time buyer schemes allow less \u2014 confirm with your bank.<\/div><\/li>\n <li><div class=\"p-fact-icon\"><i class=\"ti ti-file-euro\"><\/i><\/div><div><strong>Government tax credits<\/strong> (B\u00ebllegen Akt) can offset up to \u20ac80,000 in acquisition costs for a primary residence.<\/div><\/li>\n <\/ul>\n <\/div>\n <div class=\"p-soft\">\n <h3 class=\"p-h3\" style=\"margin-bottom:3mm;\">Where people buy \u2014 main areas<\/h3>\n <ul class=\"p-zone-list\">\n <li><span class=\"p-zone-name\">Luxembourg City<\/span><span class=\"p-zone-desc\">Most expensive. Urban, dense, central. Highest demand from international professionals.<\/span><\/li>\n <li><span class=\"p-zone-name\">Hesperange commune<\/span><span class=\"p-zone-desc\">South of the city. Family-oriented, green, sought-after schools. Strong long-term value.<\/span><\/li>\n <li><span class=\"p-zone-name\">South \u2014 Esch, Sanem, Differdange<\/span><span class=\"p-zone-desc\">More affordable. Good motorway and rail links. Growing infrastructure investment.<\/span><\/li>\n <li><span class=\"p-zone-name\">East \u2014 Grevenmacher, Remich<\/span><span class=\"p-zone-desc\">Moselle valley. Quieter pace. Wine country. Longer commute to the city.<\/span><\/li>\n <li><span class=\"p-zone-name\">West \u2014 Capellen, Mersch<\/span><span class=\"p-zone-desc\">Suburban. Good motorway access. Mix of houses and new-build apartments.<\/span><\/li>\n <li><span class=\"p-zone-name\">North \u2014 Diekirch, Ettelbruck<\/span><span class=\"p-zone-desc\">Most affordable. Rural character. Suitable if remote work is an option.<\/span><\/li>\n <\/ul>\n <p class=\"p-caption p-mt3\">This guide applies wherever in Luxembourg you are buying.<\/p>\n <\/div>\n <\/div>\n <div class=\"p-reasons\">\n <div class=\"p-r-card r1\"><i class=\"ti ti-trending-up\"><\/i><div class=\"p-r-title\">Stable, growing market<\/div><div class=\"p-r-text\">Luxembourg property values have grown consistently over 20 years. Demand from a highly international workforce sustains long-term price resilience.<\/div><\/div>\n <div class=\"p-r-card r2\"><i class=\"ti ti-map-pin\"><\/i><div class=\"p-r-title\">Geography & connectivity<\/div><div class=\"p-r-text\">At the heart of Europe, bordering France, Belgium, and Germany. One of the best-connected countries for both work and travel.<\/div><\/div>\n <div class=\"p-r-card r3\"><i class=\"ti ti-shield-check\"><\/i><div class=\"p-r-title\">Strong legal framework<\/div><div class=\"p-r-text\">Property rights are well-protected. Government incentives make homeownership accessible. No restrictions on foreign buyers.<\/div><\/div>\n <\/div>\n <\/main>\n <footer class=\"contact-strip\">\n <div class=\"contact-left\"><a class=\"contact-url\" href=\"https:\/\/www.zeas.immo\">www.zeas.immo<\/a><\/div>\n <div class=\"contact-right\">\n <div class=\"contact-item\"><i class=\"ti ti-phone\"><\/i><a href=\"tel:+352691624645\">+352 691 624 645<\/a><\/div>\n <div class=\"contact-item\"><i class=\"ti ti-mail\"><\/i><a href=\"mailto:hello@zeas.immo\">hello@zeas.immo<\/a><\/div>\n <\/div>\n <\/footer>\n<\/section>\n\n<!-- PAGE 2 -->\n<section class=\"page\">\n <header class=\"page-header\">\n <a class=\"head-url\" href=\"https:\/\/www.zeas.immo\">www.zeas.immo<\/a>\n <div class=\"head-right\">\n <div class=\"head-meta\">\n <div class=\"head-title\">How to Buy Property in Luxembourg \u2014 2026 Guide<\/div>\n <div class=\"head-sub\">Your first steps<\/div>\n <\/div>\n <div class=\"badge\">Page 2 of 4<\/div>\n <\/div>\n <\/header>\n <main class=\"content\">\n <div class=\"p-p2-top\">\n <div class=\"p-step-panel\">\n <div class=\"p-step-label\"><div class=\"p-step-num\">1<\/div><div><div class=\"p-step-title\">Understand the market<\/div><div class=\"p-step-subtitle\">Find a property yourself \u2014 or hire a buyer's agent<\/div><\/div><\/div>\n <p class=\"p-small\">Search <strong>Athome.lu<\/strong>, <strong>Immotop.lu<\/strong>, <strong>Wortimmo.lu<\/strong>. A buyer's agent gives you off-market access and negotiates exclusively for you.<\/p>\n <div>\n <div class=\"p-pt-head\"><i class=\"ti ti-building\"><\/i> Apartments \u2014 asking prices Q1 2026<\/div>\n <table class=\"p-table\"><thead><tr><th>Area<\/th><th>Range<\/th><th>Median<\/th><th>\u20ac\/m\u00b2<\/th><th>Avg size<\/th><\/tr><\/thead><tbody>\n <tr><td><strong>Luxembourg City<\/strong><\/td><td>\u20ac658k\u2013\u20ac1.04M<\/td><td class=\"p-td-hi\">\u20ac793k<\/td><td>\u20ac12,478<\/td><td>68 m\u00b2<\/td><\/tr>\n <tr><td><strong>Hesperange<\/strong><\/td><td>\u20ac740k\u2013\u20ac1.14M<\/td><td class=\"p-td-hi\">\u20ac890k<\/td><td>\u20ac9,545<\/td><td>90 m\u00b2<\/td><\/tr>\n <tr><td><strong>Rest of country<\/strong><\/td><td>\u20ac485k\u2013\u20ac725k<\/td><td class=\"p-td-hi\">\u20ac588k<\/td><td>\u20ac7,779<\/td><td>81 m\u00b2<\/td><\/tr>\n <\/tbody><\/table>\n <\/div>\n <div>\n <div class=\"p-pt-head\"><i class=\"ti ti-home\"><\/i> Houses \u2014 asking prices Q1 2026<\/div>\n <table class=\"p-table\"><thead><tr><th>Area<\/th><th>Range<\/th><th>Median<\/th><th>\u20ac\/m\u00b2<\/th><th>Avg size<\/th><\/tr><\/thead><tbody>\n <tr><td><strong>Luxembourg City<\/strong><\/td><td>\u20ac1.20M\u2013\u20ac2.85M<\/td><td class=\"p-td-hi\">\u20ac1.94M<\/td><td>\u20ac9,050<\/td><td>220 m\u00b2<\/td><\/tr>\n <tr><td><strong>Hesperange<\/strong><\/td><td>\u20ac1.10M\u2013\u20ac1.80M<\/td><td class=\"p-td-hi\">\u20ac1.45M<\/td><td>\u20ac7,903<\/td><td>191 m\u00b2<\/td><\/tr>\n <tr><td><strong>Rest of country<\/strong><\/td><td>\u20ac779k\u2013\u20ac1.20M<\/td><td class=\"p-td-hi\">\u20ac995k<\/td><td>\u20ac5,653<\/td><td>176 m\u00b2<\/td><\/tr>\n <\/tbody><\/table>\n <p class=\"p-caption p-mt2\">Asking prices from public aggregators, Q1 2026. Sold prices typically 10\u201315% lower.<\/p>\n <\/div>\n <\/div>\n <div class=\"p-step-panel\">\n <div class=\"p-step-label\"><div class=\"p-step-num\">2<\/div><div><div class=\"p-step-title\">Set your full budget<\/div><div class=\"p-step-subtitle\">What sellers ask is not what you pay<\/div><\/div><\/div>\n <div class=\"p-white\">\n <p style=\"font-size:11.5px;font-weight:700;margin-bottom:1.5mm;\">New build vs existing property<\/p>\n <p class=\"p-small\"><strong>Existing:<\/strong> Registration duty 7% + transcription 1% + notary ~1.2%.<\/p>\n <p class=\"p-small p-mt2\"><strong>New build:<\/strong> VAT 17% replaces registration duty. A reduced rate of 3% may apply for a primary residence.<\/p>\n <\/div>\n <p style=\"font-size:11.5px;font-weight:700;margin-top:1mm;margin-bottom:1mm;\">Example \u2014 purchasing at \u20ac800,000 (existing property)<\/p>\n <div class=\"p-cost-list\">\n <div>Registration duty (6%)<\/div><div class=\"p-cl-amount\">\u20ac48,000<\/div>\n <div>Transcription duty (1%)<\/div><div class=\"p-cl-amount\">\u20ac8,000<\/div>\n <div>Notary fees (~1.2%)<\/div><div class=\"p-cl-amount\">\u20ac9,600<\/div>\n <div>Agency fees<\/div><div class=\"p-cl-amount\">Variable<\/div>\n <div class=\"p-cl-divider\"><\/div>\n <div class=\"p-cl-strong\">Subtotal<\/div><div class=\"p-cl-amount p-cl-strong\">~\u20ac65,600<\/div>\n <div class=\"p-cl-credit\">B\u00ebllegen Akt credit (2 adults, primary res.)<\/div><div class=\"p-cl-amount p-cl-credit\">\u2212\u20ac80,000<\/div>\n <div class=\"p-cl-total p-cl-nb\">Net cost above purchase price<\/div><div class=\"p-cl-amount p-cl-total p-cl-nb\">~\u20ac0\u2013\u20ac15,600<\/div>\n <\/div>\n <p class=\"p-small p-mt2\">\n <a href=\"https:\/\/zeas.immo\/en\/buying-cost-calculator\/\" style=\"color:#FF5C0B;\">\u2192 Cost calculator<\/a>\n  \u00b7 \n <a href=\"https:\/\/zeas.immo\/en\/property-acquisition-costs-luxembourg-the-complete-2026-breakdown\/\" style=\"color:#FF5C0B;\">\u2192 Full cost breakdown<\/a>\n <\/p>\n <\/div>\n <\/div>\n <div class=\"p-p2-bottom\">\n <div class=\"p-step-panel\">\n <div class=\"p-step-label\"><div class=\"p-step-num\">3<\/div><div><div class=\"p-step-title\">Mortgage pre-approval<\/div><div class=\"p-step-subtitle\">Before your first viewing<\/div><\/div><\/div>\n <div class=\"p-step-content\">\n <div style=\"width:100%;\">\n <ul class=\"p-p2-bottom\">\n <li><strong>Approach 2\u20133 banks<\/strong> before searching. A written pre-approval letter gives you credibility when making an offer.<\/li>\n <li><strong>Banks check:<\/strong> last 3 payslips, 2 years of tax returns, existing debts, savings history, employment contract type.<\/li>\n <li><strong>LTV is typically 80%<\/strong> for residents. Non-residents and self-employed should expect stricter requirements.<\/li>\n <li><strong>Budget renovation separately.<\/strong> Banks lend on purchase price, not on planned works.<\/li>\n <\/ul>\n <\/div>\n <\/div>\n <\/div>\n <div class=\"p-step-panel\" style=\"display:flex;flex-direction:column;justify-content:space-between;\">\n <div class=\"p-step-label\"><div class=\"p-step-num\">4<\/div><div><div class=\"p-step-title\">Property cost calculator<\/div><div class=\"p-step-subtitle\">Know your exact total before you offer<\/div><\/div><\/div>\n <div style=\"flex:1;display:flex;flex-direction:column;justify-content:center;gap:3mm;margin-top:3mm;\">\n <p style=\"font-size:12.5px;color:#444442;line-height:1.45;\">Buying costs in Luxembourg go beyond the asking price \u2014 registration duty, notary fees, and transcription add up fast. Use our free calculator to get a full cost breakdown before making any offer.<\/p>\n <a href=\"https:\/\/zeas.immo\/en\/buying-cost-calculator-luxembourg\/\" style=\"display:inline-flex;align-items:center;gap:2mm;background:#FF5C0B;color:#fff;font:700 13px 'Helvetica Neue',Arial,sans-serif;padding:3mm 5mm;border-radius:999px;text-decoration:none;align-self:flex-start;\">\n <i class=\"ti ti-calculator\"><\/i> Calculate my buying costs \u2192\n <\/a>\n <\/div>\n <\/div>\n <\/div>\n <\/main>\n <footer class=\"contact-strip\">\n <div class=\"contact-left\"><a class=\"contact-url\" href=\"https:\/\/www.zeas.immo\">www.zeas.immo<\/a><\/div>\n <div class=\"contact-right\">\n <div class=\"contact-item\"><i class=\"ti ti-phone\"><\/i><a href=\"tel:+352691624645\">+352 691 624 645<\/a><\/div>\n <div class=\"contact-item\"><i class=\"ti ti-mail\"><\/i><a href=\"mailto:hello@zeas.immo\">hello@zeas.immo<\/a><\/div>\n <\/div>\n <\/footer>\n<\/section>\n\n<!-- PAGE 3 -->\n<section class=\"page\">\n <header class=\"page-header\">\n <a class=\"head-url\" href=\"https:\/\/www.zeas.immo\">www.zeas.immo<\/a>\n <div class=\"head-right\">\n <div class=\"head-meta\">\n <div class=\"head-title\">How to Buy Property in Luxembourg \u2014 2026 Guide<\/div>\n <div class=\"head-sub\">The process & timeline<\/div>\n <\/div>\n <div class=\"badge\">Page 3 of 4<\/div>\n <\/div>\n <\/header>\n <main class=\"content-p3\">\n <div style=\"display:flex;flex-direction:column;flex:1;min-height:0;padding-bottom:4mm;\">\n <div class=\"p-kicker\" style=\"margin-bottom:2.5mm;\">The buying process \u2014 8 steps<\/div>\n <div class=\"p-cards\">\n <div class=\"p-step-card\"><div class=\"p-card-num\">01<\/div><i class=\"ti ti-calculator\"><\/i><h3>Set your budget<\/h3><p>Total cost including all taxes and fees \u2014 not just the asking price.<\/p><a href=\"https:\/\/zeas.immo\/en\/buying-cost-calculator\/\">\u2192 Cost calculator<\/a><\/div>\n <div class=\"p-step-card\"><div class=\"p-card-num\">02<\/div><i class=\"ti ti-building-bank\"><\/i><h3>Get pre-approval<\/h3><p>Written mortgage letter in hand before your first viewing.<\/p><a href=\"https:\/\/zeas.immo\/en\/buying-property-in-luxembourg\/\">\u2192 Mortgage guide<\/a><\/div>\n <div class=\"p-step-card\"><div class=\"p-card-num\">03<\/div><i class=\"ti ti-home-search\"><\/i><h3>Search & shortlist<\/h3><p>Portals plus off-market access. Check CPE class on every property.<\/p><a href=\"https:\/\/zeas.immo\/en\/exp-properties\/\">\u2192 Browse listings<\/a><\/div>\n <div class=\"p-step-card\"><div class=\"p-card-num\">04<\/div><i class=\"ti ti-file-search\"><\/i><h3>Due diligence<\/h3><p>Title, CPE, syndic charges, permits, co-ownership rules.<\/p><a href=\"https:\/\/zeas.immo\/en\/property-buying-process-in-luxembourg\/\">\u2192 What to check<\/a><\/div>\n <div class=\"p-step-card\"><div class=\"p-card-num\">05<\/div><i class=\"ti ti-writing-sign\"><\/i><h3>Make an offer<\/h3><p>Use comparable sold prices, not asking prices. Put all conditions in writing.<\/p><a href=\"https:\/\/zeas.immo\/en\/property-buying-process-in-luxembourg\/\">\u2192 Negotiation tips<\/a><\/div>\n <div class=\"p-step-card\"><div class=\"p-card-num\">06<\/div><i class=\"ti ti-file-description\"><\/i><h3>Compromis de vente<\/h3><p>Binding contract. 10% deposit. Always include a suspensive financing clause.<\/p><a href=\"https:\/\/zeas.immo\/en\/property-buying-process-in-luxembourg\/\">\u2192 What it means<\/a><\/div>\n <div class=\"p-step-card\"><div class=\"p-card-num\">07<\/div><i class=\"ti ti-scale\"><\/i><h3>Notary deed<\/h3><p>Acte notari\u00e9 signed. Full payment transferred. Keys handed over \u2014 same day.<\/p><a href=\"https:\/\/zeas.immo\/en\/property-buying-process-in-luxembourg\/\">\u2192 Notary process<\/a><\/div>\n <div class=\"p-step-card\"><div class=\"p-card-num\">08<\/div><i class=\"ti ti-receipt-tax\"><\/i><h3>Tax & registration<\/h3><p>Claim B\u00ebllegen Akt via AED. Must be filed \u2014 it is not applied automatically.<\/p><a href=\"https:\/\/aed.gouvernement.lu\" target=\"_blank\" rel=\"noopener\">\u2192 AED official site<\/a><\/div>\n <\/div>\n <\/div>\n <div style=\"flex-shrink:0;\">\n <div class=\"p-kicker\" style=\"margin-bottom:2.5mm;\">Typical timeline<\/div>\n <div class=\"p-timeline\">\n <div class=\"p-tl-row\">\n <div class=\"p-tl-item\"><div class=\"p-tl-dot\">1<\/div><h4>Set budget<\/h4><p>Week 1<\/p><\/div>\n <div class=\"p-tl-item\"><div class=\"p-tl-dot\">2<\/div><h4>Pre-approval<\/h4><p>Weeks 1\u20133<\/p><\/div>\n <div class=\"p-tl-item\"><div class=\"p-tl-dot\">3<\/div><h4>Search<\/h4><p>Weeks 2\u20138+<\/p><\/div>\n <div class=\"p-tl-item\"><div class=\"p-tl-dot\">4<\/div><h4>Due diligence<\/h4><p>1\u20132 weeks<\/p><\/div>\n <div class=\"p-tl-item\"><div class=\"p-tl-dot\">5<\/div><h4>Make offer<\/h4><p>Day 0<\/p><\/div>\n <div class=\"p-tl-item\"><div class=\"p-tl-dot\">6<\/div><h4>Compromis<\/h4><p>Weeks 1\u20133<\/p><\/div>\n <div class=\"p-tl-item\"><div class=\"p-tl-dot\">7<\/div><h4>Notary deed<\/h4><p>Weeks 6\u201312<\/p><\/div>\n <div class=\"p-tl-item\"><div class=\"p-tl-dot\">8<\/div><h4>Tax & keys<\/h4><p>Same day<\/p><\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/main>\n <footer class=\"contact-strip\">\n <div class=\"contact-left\"><a class=\"contact-url\" href=\"https:\/\/www.zeas.immo\">www.zeas.immo<\/a><\/div>\n <div class=\"contact-right\">\n <div class=\"contact-item\"><i class=\"ti ti-phone\"><\/i><a href=\"tel:+352691624645\">+352 691 624 645<\/a><\/div>\n <div class=\"contact-item\"><i class=\"ti ti-mail\"><\/i><a href=\"mailto:hello@zeas.immo\">hello@zeas.immo<\/a><\/div>\n <\/div>\n <\/footer>\n<\/section>\n\n<!-- PAGE 4 -->\n<section class=\"page\">\n <header class=\"page-header\">\n <a class=\"head-url\" href=\"https:\/\/www.zeas.immo\">www.zeas.immo<\/a>\n <div class=\"head-right\">\n <div class=\"head-meta\">\n <div class=\"head-title\">How to Buy Property in Luxembourg \u2014 2026 Guide<\/div>\n <div class=\"head-sub\">Before you sign<\/div>\n <\/div>\n <div class=\"badge\">Page 4 of 4<\/div>\n <\/div>\n <\/header>\n <main class=\"content-p4\">\n <div class=\"p-kicker\" style=\"margin-bottom:2mm;\">Before you sign<\/div>\n <div class=\"p-grid-3\" style=\"flex:1;min-height:0;\">\n <div class=\"p-soft\" style=\"display:flex;flex-direction:column;gap:3mm;\">\n <h3 class=\"p-h3\">Who is your agent working for?<\/h3>\n <div class=\"p-icon-row\"><div class=\"p-icon-cell\"><i class=\"ti ti-user-dollar\"><\/i><\/div><div class=\"p-icon-text\"><strong>Standard agent = seller's agent.<\/strong> Their legal duty is to the person who hired them \u2014 not you. This is the default arrangement in Luxembourg.<\/div><\/div>\n <div class=\"p-icon-row\"><div class=\"p-icon-cell\"><i class=\"ti ti-alert-circle\"><\/i><\/div><div class=\"p-icon-text\"><strong>Not required to flag problems.<\/strong> Property issues, pricing gaps, title risks, and structural defects are yours to identify.<\/div><\/div>\n <div class=\"p-icon-row\"><div class=\"p-icon-cell green\"><i class=\"ti ti-shield-check\"><\/i><\/div><div class=\"p-icon-text\"><strong>Independent buyer's agent = your agent.<\/strong> Mandated by you, paid by you. Negotiates exclusively in your interest.<\/div><\/div>\n <div class=\"p-icon-row\"><div class=\"p-icon-cell\"><i class=\"ti ti-clock\"><\/i><\/div><div class=\"p-icon-text\"><strong>Speed matters.<\/strong> A buyer's agent moves faster \u2014 pre-vetted contacts, direct seller access, fewer delays.<\/div><\/div>\n <div class=\"p-icon-row\"><div class=\"p-icon-cell\"><i class=\"ti ti-coin-euro\"><\/i><\/div><div class=\"p-icon-text\"><strong>Negotiation is part of the service.<\/strong> Benchmarks against real sold prices and negotiates the gap.<\/div><\/div>\n <p class=\"p-small\" style=\"margin-top:auto;\"><a href=\"https:\/\/zeas.immo\/en\/agency-fees\/\" style=\"color:#FF5C0B;\">\u2192 How agency fees work<\/a><\/p>\n <\/div>\n <div class=\"p-soft\" style=\"display:flex;flex-direction:column;gap:3mm;\">\n <h3 class=\"p-h3\">5 things to check before making an offer<\/h3>\n <ul class=\"p-check-list\">\n <li><span class=\"p-ck-num\">01<\/span><span class=\"p-ck-text\"><strong>Energy passport (CPE)<\/strong>Request the full certificate. The rating affects your mortgage rate, running costs, and future resale value.<\/span><\/li>\n <li><span class=\"p-ck-num\">02<\/span><span class=\"p-ck-text\"><strong>Legal charges on title (hypoth\u00e8ques)<\/strong>A notary can verify the title is clean and free of undisclosed charges before you commit.<\/span><\/li>\n <li><span class=\"p-ck-num\">03<\/span><span class=\"p-ck-text\"><strong>Co-ownership rules (r\u00e8glement de copropri\u00e9t\u00e9)<\/strong>For apartments: what can you renovate, rent out, or modify?<\/span><\/li>\n <li><span class=\"p-ck-num\">04<\/span><span class=\"p-ck-text\"><strong>Planning permits for any works<\/strong>Extensions and modifications need the correct permits \u2014 they transfer with the property to you.<\/span><\/li>\n <li><span class=\"p-ck-num\">05<\/span><span class=\"p-ck-text\"><strong>Outstanding syndic charges<\/strong>Unpaid co-ownership charges pass to the new owner. Always request the latest syndic statement.<\/span><\/li>\n <\/ul>\n <p class=\"p-small\" style=\"margin-top:auto;\"><a href=\"https:\/\/zeas.immo\/en\/property-buying-process-in-luxembourg\/\" style=\"color:#FF5C0B;\">\u2192 Full due diligence guide<\/a><\/p>\n <\/div>\n <div class=\"p-soft\" style=\"display:flex;flex-direction:column;gap:3mm;background:#f5f3ef;\">\n <h3 class=\"p-h3\">Tax moves that save real money<\/h3>\n <div class=\"p-tax-stack\" style=\"flex:1;\">\n <div class=\"p-tax-box\">\n <h3>Is this your first property in Luxembourg?<\/h3>\n <div class=\"p-tax-amt\">\u20ac40,000 \u2013 \u20ac80,000 back<\/div>\n <p>The B\u00ebllegen Akt credit gives \u20ac40,000 per person on registration duty for a primary residence. Married or under PACS? That's \u20ac80,000 combined. Apply via AED \u2014 not automatic.<\/p>\n <p class=\"p-small p-mt2\"><a href=\"https:\/\/aed.gouvernement.lu\" style=\"color:#FF5C0B;\" target=\"_blank\" rel=\"noopener\">\u2192 Apply via AED (official site)<\/a><\/p>\n <\/div>\n <div class=\"p-tax-box\">\n <h3>Planning to sell within 2 years?<\/h3>\n <div class=\"p-tax-amt\">Capital gain taxed at full marginal rate \u2014 up to 45.78%<\/div>\n <p>A sale within 2 years is treated as speculative profit. Hold beyond 2 years and the rate drops to approx. 20\u201323%.<\/p>\n <\/div>\n <div class=\"p-tax-box\">\n <h3>Mortgage interest deduction<\/h3>\n <div class=\"p-tax-amt\">Save up to \u20ac4,000\/year on your tax return<\/div>\n <p>Mortgage interest on your primary residence is tax-deductible. The ceiling rises with household size. Declare it annually.<\/p>\n <p class=\"p-small p-mt2\"><a href=\"https:\/\/zeas.immo\/en\/property-acquisition-costs-luxembourg-the-complete-2026-breakdown\/\" style=\"color:#FF5C0B;\">\u2192 Full tax breakdown<\/a><\/p>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/main>\n <footer class=\"contact-strip\">\n <div class=\"contact-left\"><a class=\"contact-url\" href=\"https:\/\/www.zeas.immo\">www.zeas.immo<\/a><\/div>\n <div class=\"contact-right\">\n <div class=\"contact-item\"><i class=\"ti ti-phone\"><\/i><a href=\"tel:+352691624645\">+352 691 624 645<\/a><\/div>\n <div class=\"contact-item\"><i class=\"ti ti-mail\"><\/i><a href=\"mailto:hello@zeas.immo\">hello@zeas.immo<\/a><\/div>\n <\/div>\n <\/footer>\n<\/section>\n\n<\/div><!-- \/print-guide -->\n\n<\/body>\n<\/html>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>How to Buy Property in Luxembourg \u2014 Complete Guide 2026 \u00b7 zeas.immo Buyer’s guide \u00b7 Luxembourg \u00b7 2026 How to Buy Propertyin Luxembourg Costs \u00b7 market prices \u00b7 the full purchase process \u00b7 tax credits and due diligence \u2014 explained in plain language. Scroll to read \u2193 Contents 1 \u00b7 Understanding the market 2 \u00b7 […]<\/p>\n","protected":false},"author":4,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-50570","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/zeas.immo\/en\/wp-json\/wp\/v2\/pages\/50570","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/zeas.immo\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/zeas.immo\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/zeas.immo\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/zeas.immo\/en\/wp-json\/wp\/v2\/comments?post=50570"}],"version-history":[{"count":3,"href":"https:\/\/zeas.immo\/en\/wp-json\/wp\/v2\/pages\/50570\/revisions"}],"predecessor-version":[{"id":50651,"href":"https:\/\/zeas.immo\/en\/wp-json\/wp\/v2\/pages\/50570\/revisions\/50651"}],"wp:attachment":[{"href":"https:\/\/zeas.immo\/en\/wp-json\/wp\/v2\/media?parent=50570"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}