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Interest rates on new mortgage loans

Fixed und floating interest rates in Luxemburg in 2021

The following analyzes show the development of the interest rates on new mortgage loans in Luxembourg in 2021. The data on which these analyzes are based are updated on a monthly basis. They are based on figures from the Banque Centrale du Luxembourg (BCL).

The interest rates are divided into the following categories:

  • Variable and fixed interest rate up to 1 year
  • Fixed interest for more than 1 year up to 5 years
  • Fixed interest rates for more than 5 years up to 10 years
  • Fixed interest rate for more than 10 years

In general, the change in interest rates from one month to the next is very small. Although the figures from the Luxembourg Central Bank are always published with a delay of one to two months, they reflect the current market situation quite well and therefore enable you to estimate whether your interest rate corresponds to the current market situation.

Mortgage rates published by the BCL in November 2021

Duration of the fixed interest period Curret rate
Change in
one month
Variable interest rate and initial fixed interest rate for 1 year or less 1,29 % 0,01 %
Initial fixed interest rate for more than 1 year up to and including 5 years 1,06 % -0,04 %
Initial fixed interest rate for more than 5 years up to and including 10 years 1,19 % -0,04 %
Initial fixed interest rate for more than 10 years 1,37 % -0,08 %

Trend of the current the interest rates on real estate loans

According to the latest figures published by Banque Centrale du Luxembourg the 3rd of November 2021, the variable interest rates for real estate loans and the interest rates fixed for short terms of up to 1 year have slightly increased compared to the previous month. These rates have reached 1.29% on average. The fixed interest rates for short terms between 1 and 5 years have decreased by 0,04% to 1.06%. The rates set for an initial term of between 5 and 10 have also decreased by 0,04% to an average of 1.19%. The average of the fixed interest rates for terms of 10 years and longer have decreased by 0,08% to an average of 1,37%.

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What interest rate can I expect for my financing?

Some banks adjust their interest rates weekly. Most banks also agree to negotiate interest rates. The interest rate that you can expect for your mortgage loan depends on whether you choose a fixed or variable interest rate and, if you choose a fixed interest rate, also on the duration of the fixed rate. So, we can only tell you what interest rate you will receive if we know all the details of your project. The best way to get an interest rate is to request a free quote. If you want that we can negotiate for you, the best interest with our partner banks, it is best to provide us with complete documents. In this way, we can best convey the quality of your project to our partner banks. A request for an offer for a mortgage loan is of course free of charge and non-binding.

100% financement

If you want to buy or build an object for your own residential use in Luxembourg, we can offer you, together with our partner banks, a loan for the entire purchase price or construction price. In this case, you only have to bear the additional costs of the project with your own funds.

Does it make sense to renegotiate your loan terms?

The interest rates have fallen continuously in recent years. This development in market interest rates is causing many people who took out their real estate loan a few years ago to think about whether it makes sense to renegotiate its terms.