{"id":20650,"date":"2025-08-23T09:09:59","date_gmt":"2025-08-23T10:09:59","guid":{"rendered":"https:\/\/idealrealtyperformance.lu\/?page_id=20650"},"modified":"2025-08-23T09:31:19","modified_gmt":"2025-08-23T10:31:19","slug":"useful-information","status":"publish","type":"page","link":"https:\/\/idealrealtyperformance.lu\/en\/useful-information\/","title":{"rendered":"Useful Information"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"20650\" class=\"elementor elementor-20650\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9bdd7b2 e-flex e-con-boxed e-con e-parent\" data-id=\"9bdd7b2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d39b392 elementor-widget elementor-widget-heading\" data-id=\"d39b392\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Down Payment in Luxembourg: What You Should Know Before Buying<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-054082b elementor-widget elementor-widget-text-editor\" data-id=\"054082b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In Luxembourg, when buying a home (especially if it is not a first residence), a down payment of at least 20% of the property\u2019s value is generally recommended. For rental properties or second homes, this percentage may rise to 30%. For example, for a property worth \u20ac500,000, it is common to require a down payment of \u20ac100,000 (20%).<\/p><p>For a first residence, some banks may finance up to 100% of the property\u2019s value and, in exceptional cases with strong guarantees, even cover part or all of the associated costs (notary fees, registration, etc.). However, financing above 100% is rare and strongly depends on the borrower\u2019s profile and guarantees.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a92ec8 elementor-widget elementor-widget-spacer\" data-id=\"1a92ec8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\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<div class=\"elementor-element elementor-element-a77241d e-flex e-con-boxed e-con e-parent\" data-id=\"a77241d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-20d7407 elementor-widget elementor-widget-heading\" data-id=\"20d7407\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Property Acquisition Costs in Luxembourg<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-45fdd6d elementor-widget elementor-widget-text-editor\" data-id=\"45fdd6d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>When buying a property in Luxembourg, it is important to consider not only the purchase price but also additional charges, which can represent a significant portion of the total cost.<\/p><p>Registration and transcription duties, payable at the signing of the deed, amount to 7% of the property\u2019s value \u2014 6% for registration duties and 1% for transcription duties.<\/p><p>However, there is a tax credit known as \u201cB\u00ebllegen Akt\u201d that reduces these costs, up to \u20ac40,000 per individual buyer \u2014 or up to \u20ac80,000 for a couple \u2014 provided that the property is purchased as a primary residence and is effectively occupied for at least 2 years.<\/p><p>Additionally, the buyer must pay notary fees, which average around 1% of the transaction value, as well as mortgage registration fees, usually between 0.5% and 1.2% of the loan amount.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5e5c87c elementor-widget elementor-widget-spacer\" data-id=\"5e5c87c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\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>Down Payment in Luxembourg: What You Should Know Before Buying In Luxembourg, when buying a home (especially if it is not a first residence), a down payment of at least 20% of the property\u2019s value is generally recommended. For rental properties or second homes, this percentage may rise to 30%. For example, for a property [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-20650","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Useful Information - Ideal Realty Performance<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/idealrealtyperformance.lu\/informacoes-uteis\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Useful Information - Ideal Realty Performance\" \/>\n<meta property=\"og:description\" content=\"Down Payment in Luxembourg: What You Should Know Before Buying In Luxembourg, when buying a home (especially if it is not a first residence), a down payment of at least 20% of the property\u2019s value is generally recommended. 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