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PRESS RELEASE Luxembourg, July 15, 2025

In a constantly evolving market, **Nextimmo**, the first hybrid real estate agency in Luxembourg, is launching an innovative remote valuation service powered by voice-based artificial intelligence.

Until now, online property valuation tools offered by major real estate platforms in the country relied on users filling out long forms. While effective, these solutions remained somewhat tedious. Today, **Nextimmo takes a major step forward** by offering a fully voice-driven experience that is simple, smooth, and accessible to everyone.

**A First in Luxembourg: Real Estate Valuation by Phone with an AI Agent**

Thanks to **Victoria**, our new intelligent voice agent, property owners can now estimate the value of their home or apartment just by **answering a few spoken questions**. Available 24/7, Victoria interacts naturally with callers in **French, German, or English**, adapting to their answers to refine the valuation.

Just dial **(+352) 20 30 27** to start the conversation. In just a few minutes, users receive a personalized estimated value of their property — **with no forms to fill out**.

**An Innovative Service for a Demanding Market**

*"We believe that technology and human connection can go hand in hand,"* says **Rudolphe ABEN**, Director of Nextimmo. *"Our goal is to simplify the selling process while offering smart, accessible, and high-performance tools. This new solution is a real time-saver, allowing anyone to get a valuation effortlessly — whether at home, in the car, or at the office."*

**Direct Access to Estimation, Online or by Phone**

For those who still prefer the traditional method, **Nextimmo continues to offer its online estimation tool** via:

🔗 [https://nextimmo.lu/estimation](https://nextimmo.lu/en/estimation)

But for a **100% voice-driven and human-like experience**, Victoria is now waiting for your call at **(+352) 20 30 27**.

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**About Nextimmo**
Nextimmo is a hybrid real estate agency based in Luxembourg, combining technology, advanced marketing, and personal support. It offers tailor-made services for sellers and buyers and stands out for its **collaborative and innovative approach** to the real estate market.


Real estate valuation by phone with an AI agent becomes possible

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While some signs might suggest a slight recovery, **the residential real estate market in Luxembourg remains under serious pressure**. The latest report from the Housing Observatory for Q1 2025 confirms it: beneath the surface, **a structural crisis persists**.

### 📉 Sales Drop Sharply

After a temporary boost at the end of 2024 — driven by fiscal incentives — real estate activity slumped again in early 2025.

* Apartment sales: **down 34.6%** compared to the previous quarter
* House sales: **down 35.5%**

The slight year-on-year increase? It’s only because Q1 2024 marked an **all-time low**.

New-build (off-plan) apartment sales are still **below 40% of pre-crisis levels**, and house transactions remain far behind the 2017–2021 average.

### 💰 Prices Are "Stable"... But That’s Not a Good Sign

The overall price index fell slightly by **1.2%** this quarter and grew by just **0.9% over a year**. But behind these averages lies **a volatile, fragmented market**, with no clear direction.

Prices for properties under construction dropped by **2.1%**, while existing homes show erratic trends. This isn’t recovery — it’s a **standoff between buyers and sellers**.

### 🏘 Rental Market: Barely Moving

Announced rents have increased just **1.5%** year-on-year — barely keeping up with inflation. That’s a clear sign that **demand is weak** and **affordable rental supply is still lacking**.

* Furnished rooms: up **+2.2%**
* Houses for rent: up **+12.2%**, though listings are scarce

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## ⏳ June 2025: A Key Moment

Temporary tax breaks (reduced registration duties, accelerated depreciation, etc.) remain available **until June 30, 2025**. This has delayed many transactions, as buyers wait to secure better deals.

Finance Minister Gilles Roth (CSV) recently confirmed:

* A signed **sales agreement or reservation contract** is enough to secure the benefits — as long as the deal is finalized before **September 30**.
* The “Bëllegen Akt” tax credit is now set at **€40,000**.

While helpful, these measures are **not enough to fix the underlying issues**: limited affordable supply, high interest rates, and buyers priced out.

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## 🧭 What Can You Do as a Buyer or Seller?

At **Nextimmo**, we know this is a tough market. That’s why we offer:

* ⚙️ Instant AI-powered property valuations
* 💡 Smart pricing advice
* 📞 Real support 

**Thinking about selling or buying?**

Don’t wait for the market to shift — let’s plan your next move together.

👉 [Estimate your property now](https://nextimmo.lu/en/estimation)

No, the housing crisis in Luxembourg Isn’t over yet

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On Wednesday, the Luxembourg Chamber of Deputies approved a long-awaited measure for future homeowners: the notary fee tax credit — known as the **"Bëllegen Akt"** — is officially increased from **€30,000 to €40,000 per person**.

### A Financial Boost for Buyers

The newly adopted **Bill No. 8540** aims to strengthen the purchasing power of Luxembourg residents by significantly **reducing the registration costs** associated with buying a home.

In practical terms, **a couple buying a property together to live in** can now benefit from **up to €80,000 in total tax credits** on their notary fees.

### A Timely Move in a Challenging Market

With high property prices and stricter lending conditions, this increase comes as a **welcome relief for buyers**. It can be the deciding factor that turns a dream into reality.

### Who Is Eligible?

This increased tax credit applies to:

* **Luxembourg residents**
* Purchasing a **primary residence** (not for investment or rental)
* With a **€40,000 limit per person** (not per property — it's personal and non-renewable)

### Now Is a Good Time to Buy

At **Nextimmo**, we support buyers every day in navigating the Luxembourg real estate market. This new measure reinforces our mission to **make homeownership more accessible**.

Thinking of buying property in Luxembourg? This might be the perfect time to move forward. Contact our team for tailored advice and support.

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Great news for buyers: The "Bëllegen Akt" raised to €40,000

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In recent years, online property valuation tools have become increasingly popular in Luxembourg. Mostly developed by real estate platforms, these tools rely on advanced algorithms to provide an **indicative value** of residential properties located in the Grand Duchy.

## A Simple and Effective Tool by Nextimmo

At **Nextimmo**, we’ve created a **user-friendly and powerful online valuation tool** that allows property owners to get an approximate idea of their property's value in just a few minutes.

👉 To use it, simply go to [nextimmo.lu/en/estimation](https://nextimmo.lu/en/estimation), and follow the step-by-step process.
You’ll be asked to fill out a form with **key information about your property** (type, surface area, location, condition, etc.).
Once completed, an indicative value will be automatically provided.

## What to Know Before Using an Online Estimator

Our tool is based on **algorithms developed by our IT team**, powered by **publicly available open-source data** that is regularly updated.
This ensures that you receive a valuation that is as **accurate and up-to-date** as possible.

However, keep the following in mind:

* The result is **indicative only**: the Luxembourg real estate market is very dynamic, and some properties may be over- or undervalued depending on market context.
* The **accuracy of your input** is essential. For example, entering the **total surface area instead of the habitable area** may artificially increase the estimated value.
* You should include all **relevant features**: outdoor areas (terrace, balcony, garden, garage, parking), year of construction, heating type, energy efficiency class, condition, etc.
* If **renovations have been made** or are required, include an approximate budget — this can significantly affect the valuation.

## Online Valuation: A Great Starting Point, but Not an Official Appraisal

Online estimation is a great way to get a **first idea** of your property’s value, but it **does not replace an in-person evaluation** by a professional.
Some specific features — like views, finishes, or nearby nuisances — can only be assessed during a visit.

For a **precise and personalized valuation**, we recommend scheduling an appointment with one of our **experienced agents**.
➡️ The visit usually takes about an hour, and you’ll receive a **detailed valuation report** in your preferred language within **48 hours**.
This service is generally **free and without obligation**, unless you require an **official written report** (e.g. for inheritance, divorce, taxes, or legal matters), in which case a fee may apply — we’ll always inform you in advance.

## In Summary

* Online valuation is fast, simple, and free.
* Nextimmo’s tool uses reliable data, but the result is indicative.
* For a truly accurate valuation, an on-site visit is strongly recommended.

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🔎 Want to get a **free online estimate**?
➡️ Visit [nextimmo.lu/en/estimation](https://nextimmo.lu/en/estimation)

📞 Prefer an **on-site evaluation**?
[Contact our team](https://nextimmo.lu/en/contact) to book an appointment with a **local expert**.


Getting an online property valuation in Luxembourg: everything you need to know

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With mortgage rates at their **lowest level since March 2023**, April saw a **moderate increase** in home loan volumes in Luxembourg — a sign of **continued buyer interest**, particularly from **young families**, despite evolving fiscal and monetary conditions.

## A Stable Market Supported by Favorable Financing

According to the latest data from the **Central Bank of Luxembourg (BCL)**, **new home loans totaled €539 million in April 2025**, a **1.9% increase from March**. Earlier in the year, volumes were lower: €446 million in January and €472 million in February — indicating a relatively stable housing market.

Two main factors are contributing to this momentum:

* A **steady decline in interest rates** driven by eight consecutive cuts by the **European Central Bank (ECB)** since June 2024.
* A **temporary tax credit** introduced by the Luxembourg government to support homebuyers, which remains valid **until June 30, 2025**.

## Historically Low Rates — But for How Long?

Fixed rates for one-year loans are currently around **3.5%**, the lowest level since March 2023. Long-term fixed rates (over 10 years) are hovering at **3.45%**, suggesting that banks **expect only modest further rate cuts** — likely one final reduction of 25 basis points this year.

## Who's Borrowing?

The majority of new mortgages are in the **25 to 35-year range**, indicating that **young households and first-time buyers** make up a large share of current loan activity.

While confidence appears to be returning, the trend remains **fragile**: with tax incentives set to end and price increases potentially on the horizon, **buyer demand could cool**. Sellers — especially developers — should be cautious and **avoid overly aggressive pricing**, which could deter interest.

## Key Takeaways

* 📉 Mortgage rates at a two-year low
* 📊 +1.9% in new home loans in April (vs. March)
* 🧾 Tax incentive ends **June 30, 2025**
* 🏡 Most loans span **25–35 years**
* ⚠️ Only one further rate cut expected

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💬 **Thinking of buying or selling before the tax break expires?**
Now is the time to act. Our team is here to guide you through your search or your sale.

Contact us or publish your listing for free on **Nextimmo.lu** — available until **September 30, 2025**.

Modest rise in home loans in April driven by attractive rates

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Buying your first home is an exciting but complex step—especially in a real estate market as tight and expensive as Luxembourg’s. A lack of preparation or a poor decision can be costly. Here are the 10 most common mistakes to avoid making your first purchase a lasting success.

## 1. Not knowing your borrowing capacity

Before even beginning your search, it’s essential to consult with your bank or a mortgage broker to evaluate your real budget. Many first-time buyers overestimate what they can afford or forget to include additional costs (notary fees, application fees, guarantees).

## 2. Forgetting hidden costs

Notary fees (around 7%), agency fees, taxes, co-ownership charges, and possible renovations can add up to several thousand euros. Always plan a safety margin in your budget.

## 3. Buying on a whim

A property crush is nice—but it shouldn’t drive your decision alone. Objectively assess the property, its location, the price, resale potential, and compare it to other opportunities.

## 4. Not thinking long-term

What works for you today may no longer suit you in five years. An extra bedroom, better location, or a home office space could become essential.

## 5. Underestimating the importance of location

A good neighbourhood ensures better quality of life—and a better resale value. Prioritize access to public transport and amenities, and avoid poorly connected areas, even if the price seems attractive.

## 6. Overlooking the property’s technical condition

Cracks, humidity issues, outdated electrical systems… These flaws can be costly. Don’t hesitate to consult a building expert or architect for a thorough inspection.

## 7. Misreading legal documents

Title deeds, co-ownership rules, diagnostics: never sign anything without reading all documents carefully. When in doubt, consult a notary or a trusted professional.

## 8. Ignoring potential financial aid

Tax credits, first-time buyer schemes, and local grants: Luxembourg offers several options to reduce the cost of your purchase. Do your research.

## 9. Trying to manage everything alone

Real estate is a profession. Surround yourself with a good agent, a responsive notary, and ideally a broker to help you get the best financing terms. Their expertise can save you from major mistakes.

## 10. Believing buying is always better than renting

Depending on your situation, mid-term plans, or the current market, renting may actually be the smarter choice. A property purchase should be a well-planned response to a real need.

## In Conclusion

Buying your first property in Luxembourg is a serious project. Good preparation, professional advice, and a long-term vision are your best allies for success.

Do you have a project in mind? Contact the [Nextimmo.lu](https://nextimmo.lu/en) team for personalized and stress-free guidance.

10 mistakes to avoid when buying your first property in Luxembourg

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On **Thursday, June 5th, 2025**, the **European Central Bank (ECB)** announced another cut to its main interest rate, reducing the deposit rate by **0.25 points to 2%**. This marks the **eighth rate cut in a year**, sending a strong signal to households and businesses across the eurozone—and offering potential new momentum for **the Luxembourg real estate market**.

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### 🔍 Context: Inflation under control, but growth remains fragile

Since mid-2024, the ECB has gradually loosened monetary policy as **inflation eased back toward its 2% target**. In May, eurozone inflation dropped to **1.9%**, allowing the ECB to encourage investment and consumption in a context of weak demand and ongoing global trade tensions—especially with the United States.

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### 🏡 What does this mean for real estate in Luxembourg?

This rate cut is **good news for property buyers in Luxembourg**. In practical terms:

* 📉 **Mortgage interest rates may continue to fall**, improving access to financing.
* 💶 **Overall buying costs could drop**, making properties more affordable.
* 📈 **Buyer demand may rise**, further supporting the ongoing recovery of the market.

At **Nextimmo**, we've already observed a **rise in online property estimations and new listings**, reflecting renewed interest from both buyers and sellers.

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### 📊 A unique window of opportunity?

The ECB now expects inflation to remain around **2% through 2027**, with **wage growth moderating**. For the real estate market, this creates a window of **rare stability** after several volatile years. If you're considering buying, selling, or investing in property, **now may be an ideal time to move forward**.

Add to this the recent **extension of housing-related tax incentives in Luxembourg until September 30, 2025**, and all conditions seem aligned to turn your real estate project into reality.

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### 🤝 Nextimmo is here to support you

We’re here to help you **navigate the Luxembourg property market with confidence**. Whether you’re a homeowner, buyer, or investor, our platform offers:

* Free online **property valuation** in under 2 minutes
* Free **property listing** until September 30
* Expert advice and support from our network of trusted agents

---

📩 **Ready to take the next step?**
Start your free valuation now at [**nextimmo.lu/en/estimation**](https://www.nextimmo.lu/en/estimation)

Interest rate cut: what It means for Luxembourg's real estate market

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Initially set to expire on June 30, 2025, Luxembourg's tax benefits for property buyers will now be extended by an additional **three months**, until **September 30, 2025**. The announcement was made on Monday by Finance Minister **Gilles Roth (CSV)** as part of a new bill aimed at supporting homebuyers.

### 📈 Strong Recovery in the Property Market

The minister justified this extension by pointing to the **sharp rise in property sales** since the beginning of the year. “Housing sales during the first four months of 2025 more than doubled compared to the same period in 2024,” he said.

Due to this surge in demand, **banks and notaries** may struggle to finalize all transactions on time. According to Roth, this momentum is the result of two key factors: **government tax incentives** for households and a **decline in interest rates**, which together have significantly **reinvigorated the housing market**.

### 📋 What Measures Are Being Extended?

The three-month grace period covers the following tax benefits:

* The **€20,000 rental tax credit** per individual,
* A **50% reduction of the taxable base** for registration and transcription duties,
* **Accelerated depreciation at 6%**,
* **Reduced taxation on capital gains** (at a quarter of the global rate),
* **Exemption from capital gains tax** for properties transferred for social rental purposes or meeting **A+ energy standards**.

These measures remain available provided that:

* The **preliminary sale agreement (compromis de vente)** is registered before June 30, 2025,
  **or**
* The **reservation contract** is submitted to the tax authority before that date.

In either case, **notaries and banks have until September 30** to complete the notarized transaction. A practical guide is available to help those affected by the deadline.

### 🚫 No Further Extension Planned

When asked whether the government might consider extending the deadline beyond September, Gilles Roth responded **negatively**, stating that “three months should be sufficient.”

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## 🔐 “Bëllegen Akt” Remains in Effect

There’s more good news for future buyers: the **notarial deed tax credit** – known as the *Bëllegen Akt* – will remain at **€40,000 beyond June 30, 2025**.

This measure allows individuals to pay **no registration duties** for a property purchase up to **€571,000**, or up to **€1,142,000 for couples**.

A bill formalizing this measure has already been submitted and is expected to be **adopted by Parliament before the summer recess**, if all goes according to plan.

Housing aid measures extended by 3 months

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After a period marked by uncertainty and hesitation, Luxembourg’s real estate market enters 2025 with a sense of change. In 2023 and 2024, rising interest rates, tighter lending conditions and inflation slowed down many transactions. Sellers had to adjust their expectations, while buyers faced more demanding financing terms.

Today, the signs of a gradual recovery are emerging. But does this return to balance signal lasting stability, or the beginning of a new, still-uncertain cycle? This article explores the trends to watch, the opportunities to seize, and the challenges Luxembourg’s property market faces in 2025.

## 1. Where does Luxembourg’s real estate market stand in early 2025?

### A slowly evolving market

Early 2025 data indicates a general price stabilization, with slight corrections in certain segments, especially in new builds. While some buyers hoped for drastic price drops, these haven’t materialized. However, the balance of power has shifted, prompting sellers to adopt more realistic pricing strategies.

### Credit: more stable, but still selective

Despite a slight relief in interest rates, mortgage conditions remain strict. Banks continue to demand strong guarantees, limiting access to property ownership, especially for first-time buyers. However, buyers with stable profiles and long-term investors are benefiting from better negotiation conditions.

### Slower pace in new construction

The decline in building permits since 2023 is already affecting housing availability. High construction costs, complex environmental regulations, and scarce land have slowed the pace of new developments, creating upward pressure on the residential market for the mid-term.

## 2. The key factors reshaping the market

### a) Political and fiscal measures

To address the housing shortage, Luxembourg’s government has introduced several measures to stimulate supply and encourage homeownership:

- Temporary reduction in registration duties
- Tax credits for energy-efficient renovations
- Support for affordable housing initiatives

These efforts aim to revive transaction flow while aligning with sustainability goals.

### b) A selective yet persistent demand

Buyers haven’t disappeared from the market—they’re simply more informed, patient, and selective. Properties that are poorly located or overvalued tend to linger. On the other hand, homes that are well-situated, energy-efficient, and aligned with current preferences (outdoor space, proximity to services, flexible layouts) continue to sell well.

## 3. What are the opportunities for sellers and investors?

### A window of opportunity for strategic sales

For sellers, 2025 offers conditional opportunities. A well-evaluated and professionally marketed property can sell within reasonable timeframes, without compromising on price. Discreet strategies such as off-market sales, increasingly popular in the premium segment, allow owners to protect the property’s value while targeting serious buyers.

### A renewed interest in property investment

After a period of hesitation, real estate investment is gaining appeal again, particularly in segments like:

- Compact apartments in urban centers
- High energy-performance properties (A or B class)
- Shared housing (coliving) in well-connected areas

With rental demand still high, rental yields remain competitive, especially for assets acquired at negotiated prices.

## 4. The challenges ahead

### A persistent housing shortage

Despite market adjustments, demand still far exceeds supply, particularly in high-demand municipalities such as Luxembourg City, Bertrange, or Esch-sur-Alzette. Without a boost in construction and simplification of planning processes, this imbalance is likely to persist.

### Housing affordability

Household purchasing power remains under pressure. The challenge in 2025 will be to strike a balance between regulation, incentives, and innovation, such as cooperative housing models, intergenerational living, or modular development solutions.

## Conclusion

2025 marks a transition for Luxembourg’s real estate market—toward greater rationality, selectivity, and resilience. While the cycle has shifted, the fundamentals remain strong, and informed stakeholders have much to gain.

At Nextimmo, we guide our clients through this evolving landscape with clarity, expertise, and tailored strategies. Whether you’re looking to sell, buy, or invest in 2025, our team is here to support you with insight and precision.

Thinking about making a move? Get in touch with us for a personalized property valuation or a strategic consultation.

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