VEFA financing

An off-plan purchase staggers payment according to construction progress, with tax schemes specific to the Grand Duchy.

Source — VEFA schedule · Chambre Immobilière · updated May 2026

Payment-call schedule — off-plan sale (VEFA)

5 %

Reservation

30 %

Foundations

35 %

Structural works

20 %

Weather-tight shell

10 %

Key handover

Typical Grand Duchy schedule, set contractually and called on bailiff-confirmed progress. Source — VEFA schedule · Chambre Immobilière.

3 %

Reduced housing VAT

Super-reduced rate applied to construction of a main residence, subject to conditions and a ceiling.

Bëllegen Akt

Allowance on the deed

Tax credit on registration and transcription duties for a main residence.

VEFA

Deed costs on land share

For off-plan sales, duties apply only to the land share, not to the building still to be constructed.

Monthly payment estimator[ preview — tool on the Financing page ]

Property price

545 000 €

Down payment

120 000 €

Duration

25 years

Indicative rate

3,45 %

Estimated monthly payment

≈ 2 120 € / month

Indicative estimate, excluding insurance and fees. Not a loan offer. Source — indicative schedule, updated May 2026.

The monthly payment estimator will be connected to real-time indicative rates once the financing module is available.