BIL Logo

Together, let’s bring your
real estate project to life.

intro photo intro photo

First-time purchase, need for space or desire for change: every real estate project tells a story. A garden for the dog, a bright office for remote work, an extra room for a growing family… So many dreams to nurture with care. Sometimes it’s a rental investment: a thoughtful project to build wealth or generate additional income.

At BIL, every project is unique. Thanks to our expertise and flexibility, we offer financing solutions that evolve with you according to your pace, desires, and priorities.

Get an answer to your mortgage application within 72  hours.

Simulate your mortgage

National Housing Week

Home Expo

Meet our specialists on the 9th and 12th of October at LuxExpo The Box in Luxembourg to discuss your housing projects.

competition photo competition photo

Win 2 monthly payments*
of your mortgage!

Competition

Try to win two monthly payments* of your mortgage!

As part of National Housing Week, take part in our competition and try to win two monthly payments of your mortgage.

*Offer subject to conditions

Discover the solutions available to you

Your primary residence

A mortgage that evolves with you

primary residence photo primary residence photo
monthly payments illustration

Adjustable monthly payments based on your income and projects

duration illustration

Duration of up to 35 years to reduce your monthly payments

repayment illustration

Early repayment without penalty under conditions

Simulate your mortgage

State aid

Overview of the main aids available (subject to conditions)

  • Home ownership incentive
    Up to €10,000 for the acquisition or construction of a home for primary and permanent residence, occupied as such for at least two years.

  • Interest subsidy
    Reduction of the mortgage interest rate of up to 3.5% depending on your income.

  • State guarantee
    Allows partial replacement of personal contribution when insufficient.

The Bëllegen Akt: immediate tax relief

The Bëllegen Akt is a tax credit on registration and transcription fees when purchasing a property intended for personal residence.

  • Maximum amount
    Up to €40,000 per buyer.

  • Type of purchase
    Applicable to the purchase of a home or building plot.

  • Conditions
    Personal and effective occupation of the property for at least two years.

More info on guichet.lu

Rental investment in Luxembourg

Everything you need to know

rental investment photo rental investment photo

Want to invest in a rental property
in the Grand Duchy?
Luxembourg offers a stable, tax-friendly environment supported by
flexible financing solutions.

Finance your property

What BIL offers you

  • Personalised support
    Our advisors help you assess rental profitability, charges, and tax impacts.

  • Flexible solution
    Adjustable monthly payments, with early repayment possible.

Tax advantages

  • Depreciation of existing property up to 5% per year and for off-plan property (VEFA), up to 6% per year.

  • Rental income is taxed according to your marginal rate, but can be optimised through applicable tax deductions such as interest, maintenance costs, insurance, management fees, property tax, and other charges.

More info on impotsdirects.public.lu

Why invest in Luxembourg?

  • Dynamic and tight real estate market.

  • Strong rental demand, especially in urban areas.

  • Economic and legal stability.