Moving to Luxembourg in 2026 continues to attract many expatriates, thanks to a dynamic job market and a high quality of life. To successfully carry out this project, it is important to carefully prepare the administrative procedures, housing arrangements, and daily integration.
Depending on nationality and length of stay, new residents must complete various formalities, such as declaring their arrival at their municipality of residence and, where applicable, specific residence procedures. It is recommended to check the required documents in advance in order to avoid administrative delays.
Opening a local bank account, registering for health insurance, and verifying social security coverage are also important steps during the first weeks after arrival.
The Luxembourg real estate market remains tight, with strong demand for well-located apartments and family homes. Many newcomers begin by renting before considering purchasing, giving themselves time to better understand the municipalities and neighborhoods.
Being supported by a real estate agency saves time, helps understand rental levels, and secures contracts, especially for those unfamiliar with local legislation.
To ease integration, it is helpful to gather information about public transportation, schools, childcare facilities, and cultural offerings. As the country is multilingual, being open to the commonly spoken languages (Luxembourgish, French, German, and English) makes daily life easier.
Choosing a neighborhood based on commuting time, access to shops, and proximity to infrastructure is often more effective than focusing solely on the size or style of the property.
In 2026, buying for the first time in Luxembourg remains a demanding project, but it is achievable with proper preparation. The goal is to structure the project step by step to avoid mistakes and maintain a clear vision of your budget and priorities.
Everything begins with a realistic analysis of your financial situation: income, savings, existing expenses, and borrowing capacity. A meeting with a bank or mortgage broker allows you to obtain a loan simulation and identify a comfortable monthly payment, taking potential interest rate changes into account.
You should also plan for additional costs: notary fees, guarantees, insurance, and costs related to the future property (condominium charges, possible renovation work, energy consumption), in order to avoid unpleasant surprises after purchase.
The choice between an apartment and a house, new or existing, depends on lifestyle, budget, and priorities (proximity to work, schools, nature, services). First-time buyers benefit from comparing several municipalities, particularly around the capital or in the South, where the surface/price/location ratio may be more favorable.
It is important to think in the medium term: resale potential, nearby urban development projects, changes in neighborhood demand, and access to public transportation, especially in a context of evolving mobility.
Before making a decision, it is essential to look beyond aesthetics: building structure, roof, humidity, electrical system, heating, and insulation. The Energy Performance Certificate (EPC) provides an overview of the property's energy consumption and possible improvements.
For older properties, it is often wise to plan a renovation budget or seek advice from a professional (architect, engineer, energy renovation expert) in order to assess future costs.
A first purchase involves numerous documents and decisions: preliminary agreement, notarial deed, financing, insurance, and potential subsidies. Being supported by a reputable real estate agency and a trusted notary helps you understand every clause and avoid unfavorable commitments.
Certain public and banking support schemes may help with home ownership or energy renovation, which is why it is advisable to inquire early with institutions and your bank to integrate these elements into the overall financing structure.
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