Real estate costs when buying a property

Would you like to buy a property in Luxembourg? How much will it cost you? Do you have any questions about the cost of notary fees or registration fees and real estate loans?

Registration fees and notary fees on real estate acquisition

When signing a real estate acquisition notary act, you will have to pay at the notary different fees. 

Registration fees

Registration fees are calculated on the value of the land and buildings on this land, at 6%. If the purchaser is living in Luxembourg or plans to live in this new acquisition, he can benefit from a tax credit on these rights thanks to the “Bellegen Akt” up to 20,000 euros per head on his real estate acquisition in Luxembourg as a principal residence. In this case, a flat-rate fee of 100 euros will be applied.
In the event of purchase for lease or resale beyond the time limits stupulated by Bellegen Akt, the purchaser must pay all these 7% duties on the value of the land and buildings.

Notary’s fees and emoluments

The notary’s fees are fixed by Grand-Ducal regulation and are equivalent to approximately 1% of the amount of the acquisition (land and buildings).

To find out the registration fees and notary fees you will have to pay when you make your real estate purchase, you can use our notary fees calculator.

The notary also invoices the costs incurred by his firm in order to complete the real estate transaction. These costs include requests for cadastral extracts or any other administrative document collected from bodies and administrations.

Cost of the mortgage

By taking out a loan from a banking or financial institution to finance your new property acquisition, you will also have to pay a number of financial fees.

Mortgage fees

By lending money to finance a property acquisition, the bank ensures its repayment. The bank checks the purchasers’ income, but also attaches a mortgage on the property. The mortgage deed is drawn up by the notary and is registered with the Mortgage Office in Luxembourg. These mortgage fees will be added to the costs to be paid to the notary. These fees depend on the amount of mortgage credit granted. Ask your bank for more information.

In the event of a sale of the property before the loan maturity date, the mortgage will be lifted by the Bank from the Mortgage Office. It will generate new costs.

Life and disability insurance

In its risk calculation, the Bank may also require a mandatory death and disability insurance. This insurance will cover the repayment of the balance of the mortgage in the event of death or disability of the purchaser(s) before the end of the loan. It is strongly recommended to take out this insurance. Under certain conditions, these insurance premiums can be deducted for tax purposes.

You can find on the website of ING Bank, a loan simulator that will allow you to calculate very simply from the monthly payments that you will have to pay each month depending on the total amount of your real estate acquisition project, your personal contribution and the type of credit subscribed in fixed or variable rate.

Other real estate tools

To discover real estate tools and identify the most useful for you, go to, under the heading “Tools”. You will find several tools to calculate, for example, your monthly and acquisition expenses, if it is better to sell or rent your house and which property you can purchase based on your income.

To invest in real estate in Luxembourg, our favourite links: