Every new year brings new measures and 2021 will be no exception! The surge in property prices in Luxembourg has not escaped anyone's notice and it doesn't seem to be going away any time soon... and the high demand will not contradict this.

That's why, since 1 January 2021, real estate and especially loans will have to meet certain conditions before being granted. We tell you everything in this article!

The new measures taken by the Grand Duchy are aimed at three main categories of profile: first-time buyers, second-time buyers and investors. These will be adapted to your previous, current or future real estate project. So more than ever, it is essential to use the services of our experienced brokers who will be able to guide and advise you in the best possible way.

Are you a first-time buyer?

Be reassured, your property project will continue to be funded at 100%. From guarantees made available by the State or displaced guarantees will allow you to borrow on the best terms. The aim of this new regulation is to curb the risk of excessive household indebtedness. All this without compromising your desire to acquire a property.

Are you a second-time buyer?

The new measures now recommend having a contribution of 10% for your project if it is a second purchase in Luxembourg. Of course, this new input could be constituted by the from the sale of the first property.

Are you an investor?

It will be advisable to hold a contribution of 20% when financing your property project.