From the first viewing to handover, a clear look at the buying journey in the Grand Duchy — without jargon.
Buying a property in Luxembourg remains a readable process, provided you understand each stage. This guide is written in particular for international buyers discovering the market.
1. The preliminary contract
Once the offer is accepted, buyer and seller sign a preliminary contract (compromis). It sets the price, the suspensive conditions (financing, planning) and a deadline — typically two to three months — for the final signing.
2. Financing
Luxembourg banks generally require a 20 to 30 % down payment. Tolerated debt ratios sit around 40 % of net income. We put our clients in touch with trusted brokers.
“Preparing your financing before viewings means being free to negotiate quickly and with a clear head.”
3. The notarial deed
The final deed is signed at the notary. Costs (registration and transcription duties, notary fees) come to roughly 7 % of the purchase price for a primary residence, with a possible tax credit (Bëllegen Akt).
We accompany every stage, in close dialogue with your notary and your bank.
