Investing in property. More rewarding than ever.
Accelerated depreciation with the “3 × 6” scheme: the government has strengthened buy-to-let investment opportunities. Spuerkeess structures your financing to help you make the most of these new measures.
National Housing Week: preferential conditions available until 30 November
Benefit from attractive conditions on your home loan. Meet our advisors at our stand at Luxexpo The Box.
Why invest in real estate in Luxembourg?
- A steady rental income: The rent you receive each month covers all or part of your mortgage repayments.
- A unique leverage effect: Invest your equity in property and benefit from the potential appreciation of the entire asset.
- Even more favourable taxation: Thanks to the new “Booster fir de Wunnengsbau” measures, your property investment can become even more profitable.
“Booster fir de Wunnengsbau”
A new accelerated depreciation scheme has been introduced based on the “3 × 6” principle to improve the profitability of rental investments.
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6% depreciation rate
The depreciation of your property may help reduce your taxable income base.
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6-year depreciation period
At the taxpayer’s request, real estate acquisitions carried out in 2026 may benefit from this provision.
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Where the depreciable basis does not exceed EUR 600.000 per property.
Where the EUR 600.000 threshold is exceeded, a 2% depreciation rate applies to the entire depreciable basis with no time limitation.
Spuerkeess support
Your advisor helps you combine these new measures with the right financing solution
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Guidance throughout your entire journey
Your dedicated advisor supports you from start to finish with all administrative procedures related to your mortgage.
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A financing structure optimised for the new measures
A 6-year fixed rate designed specifically for investment property projects.
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Flexible repayments to optimise your investment
Your repayments are reduced throughout the loan term, allowing you to better balance your cash flow. Any outstanding balance must be repaid in full no later than the end of the loan term.
Mortgage calculation example
Are you investing in a property to rent out? The new “3 × 6” regime could work strongly in your favour.
You depreciate the asset sooner and benefit from tax relief more quickly.
In our example, for a EUR 500.000 apartment, the “3 × 6” scheme generates up to EUR 15.023 more in tax savings over six years compared with the current regime.