Mortgage

A BIL loan enabling you to purchase a house or apartment, whether new or old, or to fund a new build. BIL will support you with tailored financing solutions.

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Take advantage of these time-limited tax measures without delay!

Valid until 1st July, 2025.

Planning to build or buy?

Tax credit for the main residence: "Bëllegen Akt" credit increases from €30,000 to €40,000 per person, or €80,000 per couple.
Reduced registration fees: from 7% down to 3.5%.

Looking to invest in rental property?

Tax credit ("Bëllegen Akt") for sales in the future state of completion (VEFA) of €20,000 per person, or €40,000 per couple.
Accelerated depreciation of VEFA housing for rental purposes increases to 6% for 6 years, with a cap of €250,000.
Reduced registration fees: from 7% down to 3.5%.

Looking to sell a property?

Property gains: reduction of the tax on capital gains down to 10% (instead of the usual 20%) when selling real estate.

Discover the state aid you may be entitled to on the website www.aides.lu

Simulate your monthly loan repayments

Amount borrowed

Personal contribution

Duration of loan 10 years

Rate Fixed Variable

Monthly repayements:

You want to finance your project

Alone

With a partner

Number of dependent children

Net monthly household income

Additional monthly income
(Child benefit, alimony, rent, etc.)

Monthly expenses
(Other outstanding loans)

Already a customer Yes No

Project status Actively looking for a property Sales agreement signed Simple simulation

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We invite you to review the information provided or to increase your personal contribution.

This simulation is calculated for information purposes only, without any commitment as to its completeness, accuracy, or timeliness, and does not imply any commitment or agreement on the part of BIL.

Example: A loan of EUR 500,000.00, repayable over 25 years at a borrowing rate of 3.75% per annum, unchanged over the entire term of the loan, gives rise to 300 monthly repayments of EUR 2553.56 The Annual Percentage Rate (APR) is 3.82% per annum. Total amount owed by the borrower: EUR 766.068,00 (excluding insurance and any administration fees). Please note that this APR is calculated on the basis of an interest rate remaining at the level set for the initial period throughout the term of the contract.

MORTGAGE with BIL,Nothing could be EASIER!

Preparing your mortgage application

MORTGAGE with BIL, Nothing could be EASIER!