Mortgage interets
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Deduct interest on your mortgage
Benefit from tax deductibility!
Deduct your interests on your tax return!
As of the 2024 tax return:
Availability after 31/12/2022:
Full deduction
Availability between 31/12/2018 and 01/01/2023:
4.000 €
Availability between 31/12/2013 and 01/01/2019:
3.000 €
Availability before 01/01/2014:
2.000 €
Looking to buy a house, an apartment, or build your own?
Benefit from a loan simulation!
The amount of the loan you can obtain will be influenced by factors such as your ability to make monthly payments, the value of the property you intend to finance, which will serve as collateral, and your down payment.
Variable or fixed interest rates?
How to decide?
The fixed interest rate remains stable throughout the loan term, providing the security of consistent monthly payments. However, it may incur penalties for early repayments, and fixed rates are often higher. In contrast, the variable interest rate adjusts based on the financial market, which can result in variations in monthly payments. It offers the flexibility of early repayments at no additional cost, but carries the risk of unforeseen increases and provides less visibility into your future payments.
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Some examples:
Single with availability date in 2023 and interest of €10,000
Deductible amount:
Full deduction of 10 000 €
Couple with 2 children who moved in during 2021
Deductible amount:
Ceiling of 4.000€ per person so 16.000€ ceiling
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Have you achieved your dream of becoming the owner of your primary residence? Congratulations! Now, are you pondering over how this affects your tax return in Luxembourg?
If you have financed your property purchase with a loan, you are eligible to deduct the interest charges on your tax return. To avail this, furnish the tax authorities with a certificate from your bank showing the interest paid during the year.
The deductible amount varies based on two criteria:
- Year of availability of your home
- Composition of your household
The maximum deduction limit per person is outlined as follows:
From the 2024 declaration onwards:
First two years from availability: No cap
Next 4 years: 4.000€
Next 5 years: 3.000€
After this period: 2.000€
These limits are increased for the partner and each child in the tax household.
Example 1 (Tax year 2024):
Patrick, who is married with two children, moved into a new off-plan property in 2024. In 2024, he paid a total of 30.000€ in interest, which he will be able to deduct in full on his tax return.
Example 2 (Tax year 2023):
Mia, who is in a civil partnership with one child and moved in 2009, has a limit of 2.000€ per person, or 6.000€ in total. She paid 8.000€ in interest in 2024. Mia will be able to deduct 6.000€.
Ease your tax return process with taxx.lu! The system does the calculations for you!
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