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A few years ago, having an app available on every store was essential for any company aiming for success. These mobile apps offered an improved interface and optimal usability. Additionally, having the app icon on a smartphone screen provided convenient and direct access to the service.

**Over time, website design and user experience (UX) have evolved so much that it is now difficult to distinguish a native app from a well-optimized mobile website.**

In the past, companies had to dedicate teams to develop mobile apps, maintain regular updates, and pay annual fees to store giants. Today, this practice has become obsolete.

A well-designed website is now responsive by default and adapts to mobile devices as efficiently as a native app. The user experience on an optimized website is now very similar to that of a mobile app.

**Our website was designed with a “mobile-first” approach, ensuring optimal user experience from your smartphone.** For instant access, simply follow these steps:

- Open your mobile browser (Safari, Chrome, Firefox).
- Enter the website URL.
- Once the site loads, tap the share icon.
- Scroll down the menu and select “Add to Home Screen.”
- A Nextimmo icon will appear on your screen, which you can place wherever you like.

Enjoy instant access to our website, featuring the best real estate listings in Luxembourg and the surrounding regions!

Nextimmo: the modern alternative to mobile apps

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Investing in real estate is often a strategic decision to grow your capital or generate rental income. In the Greater Region, four cross-border markets stand out: Luxembourg, Belgium, France, and Germany. Each of these regions has unique characteristics that deserve to be analysed based on your budget, investment goals, and potential profitability.

Here is a detailed overview to help you make an informed choice.  

## **Luxembourg: A secure choice, provided you can afford it**  

Luxembourg is renowned for its economic stability and high rental demand. With a steadily growing population and a dynamic market, the Grand Duchy attracts investors seeking security.  

**Average prices**: Real estate prices in Luxembourg exceed €8,000/m², with peaks in high-demand areas like the capital and its immediate surroundings. While prices experienced a slight -5% decline in 2024, the market remains robust in the long term. 

**Rental yield**: Approximately 3–4%. Although yields may seem low, they are offset by highly attractive capital appreciation due to constant demand and limited supply.  

**Advantages**:  
- Extremely stable market.  
- Strong rental demand, ideal for long-term investors.  
- Strict regulations, minimizing risks.  

**Disadvantages**:  
- Very high entry prices requiring a substantial budget.  
- Relatively low rental yields compared to the initial cost.  

## **Belgium: An affordable compromise near the border**  

The province of Luxembourg in Belgium offers an excellent compromise for investors looking to stay close to the Grand Duchy while benefiting from more affordable prices. 

**Average prices**: Family homes range between €200,000 and €250,000 in border towns. Apartments are significantly cheaper than in Luxembourg.  

**Rental yield**: Around 4–6%, relatively attractive for an investment with moderate entry costs.  

**Advantages**:  
- Much more affordable prices compared to Luxembourg.  
- Proximity to the Grand Duchy, appealing to cross-border workers.  
- Stable rental yields with controlled acquisition costs.  

**Disadvantages**:  
- Moderate long-term price growth.  
- Rental yields may be limited outside the most attractive border areas.  


## **France: Unbeatable prices, but risks to watch out for**  

The Lorraine region, particularly areas close to Luxembourg, attracts investors with its very low prices. This market is particularly suitable for small budgets seeking to maximize rental profitability.  

**Average prices**: In some Lorraine towns, prices start around €1,500/m², making it one of the most accessible options in the cross-border region.  

**Rental yield**: Potentially 6–8%, especially in rural areas or small towns with abundant supply.  

**Advantages**:  
- Very low purchase prices, perfect for smaller budgets.  
- High rental yields in certain areas.  
- Proximity to Luxembourg ensures cross-border rental demand.  

**Disadvantages**:  
- Uneven rental demand, with potential vacancy risks in some rural areas.  
- Limited long-term property price growth.  
- Reselling can be challenging in less dynamic sectors.  

## **Germany: A balance of affordability and quality of life**  

Germany, particularly the Saarland and Rhineland-Palatinate regions, offers a good compromise between affordable prices, economic stability, and proximity to Luxembourg.  

**Average prices**: Prices average around €1,700/m², remaining very competitive compared to other cross-border markets.  

**Rental yield**: Around 4–5%, providing a good balance between immediate profitability and long-term security.  

**Advantages**:  
- Reasonable purchase prices.  
- Stable market with decent rental demand in strategic areas.  
- High quality of life, attracting both families and cross-border workers.  

**Disadvantages**:  
- Less dynamic market compared to Luxembourg or Belgium.  
- Variable rental demand depending on the location, requiring thorough analysis before investing.  

## **Comparison of Yields and Capitalization Potential**  

### **Luxembourg**  
- **Capitalization history**: Impressive growth over 15 years due to high demand and limited supply. Even with a -5% correction in 2024, the market remains highly attractive.  
- **Rental yield**: 3–4%, low but offset by capital appreciation.  

### **Belgium**  
- **Capitalization history**: Moderate growth, especially in border areas. Prices increase steadily over time.  
- **Rental yield**: 4–6%, appealing for investors seeking a balance between entry costs and immediate returns.  

### **France**  
- **Capitalization history**: Historically low prices in Lorraine, with limited growth. Some towns benefit from proximity to Luxembourg.  
- **Rental yield**: 6–8%, particularly in rural areas or zones with high cross-border demand.  

### **Germany**  
- **Capitalization history**: Stable growth of around 2–3% per year. The market offers interesting long-term stability.  
- **Rental yield**: 4–5%, a solid compromise between affordability and profitability.  

## **Conclusion: Where to invest?**  

- **Luxembourg**: Ideal for investors seeking stability and capital appreciation, provided they have a substantial budget.  
- **Belgium**: A great option for a balance between affordability and proximity to Luxembourg.  
- **France**: Perfect for small budgets with high rental yield potential, but location is key.  
- **Germany**: An excellent balance between acquisition costs, yields, and quality of life for a secure long-term investment.  

Each cross-border region offers unique opportunities. Before investing, clearly define your objectives: capital appreciation, rental profitability, or financial security. A good investment always begins with a thorough analysis of the market and associated risks. 

Which cross-border region should you choose for real estate investment?

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Why selling your property without an agent can be costly: The compliance pitfalls for private sellers.

_"I want to sell my home myself; I don’t need a real estate agent. I can save that 3%!”_ This is a common thought among homeowners who think they can manage without a real estate agent. At first glance, it may seem profitable, but let’s be honest: when dealing with hundreds of thousands of euros, overconfidence can quickly become very costly.

## The primary risk of selling without a real estate agent: Legal compliance

For private sellers, the first pitfall lies in legal requirements and compliance standards. Without a real estate agent’s guidance, the risks are numerous and often expensive. A common mistake? Miscalculating the property’s square footage. If this information is incorrect, even accidentally, the buyer could demand compensation years after the sale, turning initial savings into significant losses.

## Legal framework in Luxembourg: Civil code articles to know

Luxembourg's Civil Code is clear: Article 1602 requires the seller to ensure the accuracy of information, particularly regarding the property's size and features. In cases of non-compliance, the buyer can request a price reduction or even annul the sale. Article 1641 holds the seller responsible for any hidden defects, even if these are unintentional.

For example, if a house listed in Luxembourg at 200 m² is later measured at 180 m², it could lead to a potential claim of €160,000. Savings on agency fees quickly become financial losses, not to mention the cost of legal fees and proceedings.

At [Nextimmo.lu](https://nextimmo.lu/en), we protect you from these errors by providing precise measurements, realistic evaluations, and ensuring your property’s legal compliance. Before deciding to sell on your own, ask yourself: why risk costly complications when a real estate agent can secure the transaction? The 3% might just be one of the best investments you can make.

## Common compliance errors in private sales

Here are a few examples of legal compliance errors that may occur for private sellers looking to save on agency fees:

**- Non-compliant electrical installations**: incidents can lead to claims after the sale.

**- Missing gas compliance certificates**: buyers may require repairs if issues arise.

**- Inconsistent cadastral plans**: undeclared extensions can result in fines or sale cancellations.

**- Unreported easements**: forgotten passage rights can lead to neighborhood disputes.

**- Unreported hazardous materials**: discovering asbestos can justify sale cancellation.

**- Incorrect energy classification**: may lead to value disputes.

**- Incorrect construction year information**: buyers may feel misled and demand price reductions.

**- Ignored urban planning rules**: unreported restrictions can hinder renovations.

**- Undeclared renovations**: can expose buyers to fines and result in claims against the seller.

**- Non-compliant sanitation installations**: high sanitation costs may be claimed.

**- Absence of pest inspections**: structural issues could be discovered post-sale.

**- Misestimation of outdoor space**: measurement errors may lead to refund requests.

**- Unreported co-ownership disputes**: unexpected charges for the buyer could prompt claims.

**- Unpaid rent in rental properties**: impacts profitability and may justify compensation.

**- Lack of smoke detector certificates**: mandatory in some cases, or potential claims.

**- Incorrect co-ownership fee estimates**: if costs are higher than expected, buyers may dispute.

**- Undeclared risk zones**: discovering natural hazards later may justify claims.

**- Unreported hidden defects**: plumbing, waterproofing, etc., can lead to lawsuits.

**- Incorrect market value assessment**: overvaluation or undervaluation jeopardizes the sale.

**- Missing ten-year warranty for recent work**: uncovered repairs can damage trust.

Selling your property alone may seem appealing, but the risks are real and numerous. At Nextimmo.lu, we have the expertise to anticipate these errors and ensure a secure, compliant transaction. Consider the 3% as a security investment rather than an expense.

Selling without a real estate agent: Hidden risks

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Real estate professionals gathered yesterday at the Forum da Vinci at the invitation of Wortimmo, in the presence of Claude Meisch, the Minister of Housing. The conference, titled _"Real Estate: the Government Facing its Responsibilities"_, was organized to address important topics related to the housing crisis in Luxembourg.

During his speech, the Minister responded to numerous questions asked live by professionals who mainly wanted to know what measures the state plans to implement to stimulate housing acquisition in Luxembourg by residents and investors. “Some fiscal measures have been introduced to encourage private purchases and investment in real estate, but so far they haven't achieved the expected success. These measures are time-limited, and the end of the year is approaching, so I encourage potential buyers to take advantage of them…”

In response to a question about a possible extension of these measures beyond 2024, the Minister said: “I don’t believe in extending the current measures because we have seen that they have not yet produced the reaction we expected. I think all players must make an effort so that we can restore balance between interest rates and prices.”

This topic concerns all real estate professionals in Luxembourg, who are facing an unprecedented crisis that has led to a drastic drop in the number of transactions, as well as a 16% decrease in prices for existing properties and a 10% decrease for new constructions (according to notary deed statistics from the second quarter of 2024). Professionals on the ground observe an even steeper decline, though it is still not enough to unlock the market. “Despite the measures in place, we see a recovery in transactions for existing properties, but buyers and investors remain hesitant about purchasing new real estate. And I think it will only work if we restore a balance between interest rates and prices. Interest rates will probably not return to previous levels and are likely to remain around 3%. Therefore, a price adjustment is necessary in the short and medium term in Luxembourg, as we cannot indefinitely subsidize the difference between financing costs and housing prices.”

“The market must move on its own, and project prices must fall. I am aware that some developers bought land at too high a price. A few years ago, we were all in a different world, believing that prices could increase by 8, 10, or 12% per year. But we have all seen that the market cannot sustain such price increases and growth year after year. A rebalancing was necessary. I believe that investors will wait for the ideal moment when prices have dropped sufficiently, hitting rock bottom, and may begin to rise slowly. This will coincide with a time when interest rates have fallen, and there is a sense that they won't drop much further. Once these conditions are met, the market could recover very quickly.”


 Housing measures applied in 2024 will not be extended

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Online platforms have profoundly transformed the landscape of real estate sales in Luxembourg, introducing innovative practices that enhance efficiency, transparency, and the customer experience.

## 1. Increased visibility and global reach
These platforms provide properties with enhanced visibility, allowing them to reach a worldwide audience, including international buyers. By listing their properties on popular sites, sellers increase their chances of closing a sale quickly and at a better price due to heightened competition among buyers.

## 2. Personalized real estate marketing
Platforms leverage advanced algorithms to tailor the buying experience. By considering search preferences, user behavior, and demographic data, they target potential buyers with relevant advertisements. This personalization optimizes marketing campaigns, establishing connections between buyers and properties that closely match their criteria, thereby increasing conversion rates.

## 3. Integration of virtual reality and 3D tours
The integration of virtual reality (VR) and 3D tours has become essential in online real estate sales. These technologies allow buyers to explore properties remotely, offering an immersive and detailed experience of each room. This is particularly advantageous for foreign buyers or those with busy schedules. Virtual tours facilitate decision-making by making the buying process more flexible and less constrained while allowing sellers to showcase their properties using virtual staging techniques.

## 4. Transparency and instant communication
Online platforms ensure unprecedented transparency in the sales process. Buyers can access detailed information about properties, including price history, neighborhood evaluations, and comparisons with other listings. Live chat tools and integrated messaging promote instant communication between buyers, sellers, and real estate agents. This transparency builds buyer trust and reduces the time needed to finalize sales.

## 5. Automation of sales processes
These platforms automate many aspects of the sales process, from transaction management to contract signing. With automated systems, administrative tasks such as document collection, compliance verification, and payment management are significantly simplified. This enables sellers to minimize human error and save valuable time. Automation also facilitates real-time performance reporting, allowing sellers to adjust their sales strategies based on market trends.

## 6. Flexibility in negotiations and offers
Online platforms also simplify negotiations by allowing buyers to submit offers directly through the platform. This enables sellers to quickly review and respond to offers while providing transparency in the buyer selection process. This flexibility leads to faster transactions, with real-time negotiations that avoid the constraints of in-person meetings.

## 7. Streamlined access to financing
Some platforms also include financial services, allowing buyers to compare different financing options online. By providing loan simulation tools or mortgage calculators, they make the financing process more accessible and transparent. Buyers can obtain loan pre-approval without leaving the platform, simplifying the real estate purchasing process.

## 8. Reduced transaction costs
By automating and simplifying the steps in the sales process, online platforms help reduce the costs associated with selling a property. Sellers save on traditional advertising expenses, while buyers benefit from lower administrative fees due to the digitalization of documents. This results in faster transactions and reduced overall costs, increasing satisfaction for both parties.

In summary, online platforms are profoundly transforming the way real estate is sold in Luxembourg. By enhancing property visibility, optimizing sales processes, and providing increased transparency and flexibility, they facilitate and accelerate transactions for all market participants.

How online platforms are revolutionizing real estate sales in Luxembourg?

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The real estate sector in Luxembourg is increasingly moving towards a future where paperless transactions will become the norm. The digitalization of buying and selling processes offers numerous advantages, including increased efficiency, reduced costs, and enhanced transparency.

## 1. **Adoption of electronic signatures**
One of the key technologies enabling paperless transactions is the electronic signature. With it, contracts can be signed securely online, eliminating the need for physical meetings to finalize transactions. This not only speeds up the sales process but also reduces errors associated with managing paper documents, such as losses or delays.
Electronic signatures are legally recognized in Luxembourg, encouraging their adoption by real estate professionals. These signatures are protected by advanced encryption technologies, ensuring the security and integrity of signed documents.

## 2. **Use of blockchain for property registries**
The integration of blockchain technology into the real estate sector could revolutionize the way transactions are recorded and validated. Blockchain allows the creation of a decentralized and immutable ledger where every sale, property transfer, or title change is permanently and transparently recorded.
This technology significantly reduces the risk of fraud, as each transaction is validated by the blockchain network, and any changes must be approved by the involved parties. Additionally, blockchain simplifies the process of verifying property titles by making information easily accessible, thereby reducing the time and costs needed to complete a sale.

## 3. **Deployment of integrated digital platforms**
Integrated digital platforms are designed to centralize all steps of a real estate transaction, from property searches to contract signing, including financing and document management. These tools offer a seamless user experience, allowing buyers, sellers, and real estate agents to manage all stages of a transaction online.
For instance, a buyer can use a single platform to search for properties, compare financing options, and sign a contract, all without printing a single document. These platforms are often interoperable with other systems, such as banks or land registries, further simplifying the process.

## 4. **Reduction of time and costs**
Shifting to paperless real estate transactions not only reduces timelines but also lowers the costs associated with managing transactions. Real estate professionals can handle more transactions in less time, increasing their productivity. Additionally, clients benefit from reduced administrative fees, as printing, transport, and document storage costs are eliminated.

Finally, the digitalization of transactions contributes to a reduced environmental impact by lowering paper consumption and emissions associated with document transportation.

The future of paperless real estate transactions in Luxembourg promises a more efficient, secure, and environmentally friendly sector, thanks to the adoption of new technologies.

The future of paperless real estate transactions in Luxembourg

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Financial innovations in the real estate sector in Luxembourg are transforming the market by offering solutions tailored to the current needs of buyers and investors. Approaches such as real estate crowdfunding, flexible mortgages, green financing, and property tokenization open up new possibilities while making real estate investment more accessible.

## 1. **Real estate crowdfunding**
Crowdfunding democratizes investment access by allowing individuals to invest in collective projects, making real estate more accessible. Platforms offer increased transparency and enable developers to raise funds quickly.

## 2. **Flexible mortgages**
Luxembourg banks are adapting their mortgage offerings, providing personalized repayment options. These loans are particularly attractive to young buyers and families seeking solutions tailored to their financial situations.

## 3. **Green financing**
Green mortgages encourage eco-friendly construction by offering advantageous financing conditions for properties that meet strict environmental standards. These loans promote both sustainability and long-term cost reductions for homeowners.

## 4. **Property tokenization**
Tokenization allows property ownership to be divided into digital shares, making investments more liquid and accessible. This innovation offers new opportunities for investors, particularly in high-value assets.

## Conclusion
These innovations are shaping a more inclusive and sustainable real estate market in Luxembourg, while meeting the demands of a rapidly evolving financial environment. They promise to reshape the real estate sector and create opportunities for those looking to invest or acquire property in a more flexible and tech-driven context.

Innovations in real estate financing in Luxembourg

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Urban mobility plays a crucial role in real estate development in Luxembourg, influencing both project location choices and property values.

## **1. Accessibility and property value**
Areas well-served by public transport, such as the tram, rapid buses, and cycling paths, are becoming increasingly attractive to real estate developers and buyers. Accessibility to transport infrastructure is a key factor that increases property values, especially in peri-urban areas where housing costs are more affordable but demand remains high.

## **2. Development of sustainable neighborhoods**
Luxembourg is increasingly committed to creating sustainable neighborhoods where soft mobility (walking, cycling) is prioritized. Real estate projects in these areas are designed to minimize car dependency, with layouts favoring the use of public transport and pedestrian infrastructure. This development also supports Luxembourg’s goals for reducing CO2 emissions and creating healthier, greener living spaces.

## **3. Impact of future mobility projects**
Future mobility projects, such as the expansion of the tram network and the development of new train stations, will greatly influence real estate investment decisions. Areas near new transport infrastructures will become focal points for development strategies, with an anticipated increase in demand and property values. Developers are paying closer attention to aligning their projects with urban mobility plans to maximize profitability and appeal.

## **4. Influence of transport policies**
Transport policies in Luxembourg, such as free public transport since 2020, have a direct impact on real estate development. This initiative has made residential areas outside the main urban centers more attractive, as residents can easily access services and jobs using public transport at no extra cost. Real estate developers are now integrating these considerations into their projects, focusing on connectivity and sustainability.

## **5. Soft mobility projects**
Initiatives to promote soft mobility, such as the development of cycling paths and pedestrian zones, are also influencing real estate development choices. Neighborhoods that integrate these infrastructures are perceived as more livable and attractive, which translates into increased demand and rising property prices. Developers are increasingly focusing on creating environments that encourage an active and sustainable lifestyle.

## **6. Impact on investment decisions**
Real estate investors in Luxembourg take urban mobility projects into account when making acquisition and development decisions. Areas benefiting from infrastructure improvements, such as new tram or bus lines, are often seen as having high growth potential. Investors anticipate an increase in property values in these areas due to improved accessibility and quality of life.

## **Conclusion**

Urban mobility in Luxembourg is a key factor for the future of the real estate market. The growing integration of transport infrastructure in real estate development projects is creating more connected, sustainable, and attractive environments. Areas well-served by public transport and soft mobility initiatives benefit from increased demand and rising property values. With the country's progressive transport policies and many upcoming infrastructure projects, mobility will remain at the heart of real estate investment decisions. Developers and investors who adapt to these new dynamics will be able to capitalize on the opportunities created by this transformation in urban mobility.

How urban mobility influences real estate development

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Co-living and co-working are on the rise in Luxembourg, meeting the needs of young professionals, freelancers, and startups looking for flexibility, community, and cost-effectiveness.

## **1. Growth of co-living**
Co-living is rapidly expanding, especially in urban areas where housing costs are high. This concept offers shared living spaces, often all-inclusive, with common services such as kitchens, gyms, and relaxation areas. It particularly attracts young workers and expatriates who appreciate the blend of privacy and social interaction, while benefiting from simplified contract and service management.

## **2. Expansion of co-working spaces**
Co-working spaces in Luxembourg are gaining popularity, providing flexible work environments, often located in central, well-served neighborhoods. These spaces attract not only freelancers and startups but also established companies looking to offer more flexibility to their employees. Co-working fosters collaboration, networking, and innovation, creating dynamic ecosystems where professionals from different sectors can interact.

## **3. Hybridization of spaces**
A growing trend is the hybridization of spaces, where co-living and co-working concepts are combined. These mixed environments allow residents to live and work in multifunctional spaces designed to meet the needs of a modern, integrated lifestyle. This hybridization is particularly relevant in the post-pandemic context, where remote work and new forms of collaboration have become the norm.

## **4. Post-COVID-19 adaptation**
The COVID-19 pandemic has accelerated demand for co-living and co-working spaces in Luxembourg. New generations are seeking housing and work solutions that offer both community and flexibility. Co-living spaces are particularly attractive to expatriates and young professionals, while companies of all sizes are adopting co-working to adapt to new hybrid work modes. This trend is likely to continue, with ongoing demand for flexible and shared spaces.

## **5. Development of digital infrastructure**
Co-living and co-working operators in Luxembourg are investing in cutting-edge digital infrastructure to attract demanding tenants and users. This includes providing high-speed internet connectivity, video conferencing facilities, and modular spaces that can be adapted to various professional needs. Buildings incorporating these infrastructures are becoming hubs of productivity and innovation, attracting international talent and expanding businesses.

## **6. Expansion of services and amenities**
To differentiate themselves in a competitive market, co-living and co-working spaces are increasingly integrating additional services. This may include concierge services, wellness programs, community events, and partnerships with local businesses to offer exclusive benefits to residents and users. These amenities add value and create a more enriching living and working experience, attracting a loyal clientele.

## Conclusion

Co-living and co-working in Luxembourg represent an innovative response to the changing needs of modern professionals. With the growth of these models, the real estate market is adapting to provide flexible solutions that promote collaboration and well-being. By integrating hybrid spaces and advanced digital infrastructures, these concepts not only enhance quality of life but also create dynamic and interconnected communities. As the demand for these spaces continues to increase, co-living and co-working are likely to play a key role in redefining the Luxembourg real estate landscape, contributing to a future where flexibility, sustainability, and community are at the heart of residential and professional experiences.

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