Take advantage of an exceptional fixed rate of 2.99%, adjustable after 10 years*, designed to give you stability and peace of mind as you bring your project to life.
Make your project a reality with our special fixed-rate offer of 2.99%.
Have you already found your future home or signed a preliminary agreement?
Personalised support
Our experts are here to listen, understand your needs, and guide you step by step.
Book an appointment in a branch from Monday to Friday (8 a.m. – 7 p.m.) or via videoconference before 12th December, 2025.
BIL clients: you can also send us a via BILnet to book an appointment.
Together, let’s bring your
real estate project to life.
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 mortgageDiscover the solutions available to you
Your primary residence
A mortgage that evolves with you
Adjustable monthly payments based on your income and projects
Duration of up to 35 years to reduce your monthly payments
Early repayment without penalty under conditions
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.
Rental investment in Luxembourg
Everything you need to know
Want to invest in a rental property
in the Grand Duchy?
Luxembourg offers a stable, tax-friendly environment
supported by
flexible financing solutions.
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
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Depreciation of existing property up to 5% per year and for off-plan property (VEFA), up to 6% per year.
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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.
Why invest in Luxembourg?
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Dynamic and tight real estate market.
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Strong rental demand, especially in urban areas.
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Economic and legal stability.
Taking the next steps in your project with BIL
Simulate your mortgage
What stage are you at in your project?
5 minutes
Estimate your mortgage
Are you considering a property purchase or looking for the perfect place?
Simulate your credit to know what you can afford, even before visiting.
Simulate your mortgage payments
30 minutes
Finance your property
Have you found a property or signed a preliminary agreement?
You’ve found the ideal property and want to finance it? Complete your application
online and find an offer as solid as your project.
Start your mortgage application
* Eligibility conditions for the special offer:
- Reserved for new acquisitions or constructions (excluding renegotiations of existing loans).
- Financing project must be split into at least 2 distinct tranches (any duration), including one tranche of max EUR 200,000 with a promotional fixed rate of 2.99% for 10 years.
- Appointment with a BIL expert must take place no later than 12/12/2025.
- All requests are subject to approval by the Bank, which reserves the right to not apply the special offer after risk analysis related to the project, for both the Bank and the client.