How to calculate your budget and financing plan? How much can you borrow?

How do you calculate your repayment capacity?

Before you actively embark on your real estate project, find out how much you can borrow. Based on your monthly repayment capacity, the costs related to the project and the savings you want to invest in your project, Spuerkeess will establish your budget and financing plan with you. This will allow you to focus your search on properties that match your budget.

The different parts of the calculation

Your Housing Advisor will help you with the various parts of the calculation:

Your monthly repayment capacity

To calculate your monthly repayment capacity, your advisor will perform a calculation based on the following:

  • Your regular income (net salary, family allowances, etc.)
  • Your recurring expenses (existing loans, support payments, etc.)
  • The minimum budget you need to have available to live a comfortable life, depending on your financial position and family situation

Estimation of your budget

Based on your monthly repayment capacity, your advisor can make calculations linked to the length of the loan and the interest rate, to produce an initial estimate of your budget and the amount you can borrow.

Your financing plan

To produce your financing plan and determine how much you can actually borrow, the following information is required:

  • The purchase price or the price of the land and construction
  • All costs related to the project (renovations, architect or mortgage registration fees, etc.)
  • All of your income, such as equity, home savings or other sources of financing that you can invest in the project

What budget is required for a real estate project? Housing prices in Luxembourg

Before starting to calculate the budget you can afford for your real estate project, take a look at the prices of real estate in Luxembourg.

The clear imbalance between supply and demand for housing in Luxembourg has led to a sharp increase in prices in recent years:

Existing apartment
Existing apartment
6.057 €/m2
New apartment
New apartment
7.145 €/m2
Single-family house
Single-family house
789.474 €

Estimate your budget Do you want an initial idea of your borrowing capacity?

Your financing plan

Project costs

Purchase price
Basic registration charges
Recording rights to pay
Notary fees
Other costs

Tax benefit

Tax credit

Personal contribution

Own funds investment
Housing savings scheme
Other sources of funding


Total costs
Total contributions

Loan amount
Nominal rate
5,70 %
Annual Percentage Rate
5,88 %
Monthly instalment (over 30 years)

This simulation gives you an estimate and is not binding on Spuerkeess in any way whatsoever. For a specific quotation, please contact one of our branches or fill in your online request.

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Look at market prices.

Draw up an initial summary of your regular income and recurring expenses.

Think about the equity or other guarantees you wish to include in your project.

For a more detailed estimate, contact your advisor!