Organised by Paperjam Club and Delano magazine, the US Elections Debate takes place two weeks prior to election day.
You want to invest in a property in the Grand Duchy and then make a rental? At first sight, it seems an excellent decision! Investing in a rental property remains attractive, especially in a country where the market for rented residential real estate continues to display a high potential. In addition, there are no restrictions on foreigners buying real estate in Luxembourg and the home buying system is generally similar to many other EU countries. But to ensure that your investment is really profitable, you should pay careful attention to the property’s location and be aware of the applicable rental property taxation.
Buu Huynh has been working in the Development & Patrimonial Team at ING since June 2019. One of his main missions is building and maintaining relationships with the expat community. Buu knows what he is talking about. He has been three times an expatriate in his life. Here is his story.
Each year, when they move to the Grand Duchy to work, thousands of expatriates need to find somewhere to live and are confronted with the realities of renting accommodation. If you are in this situation, do not worry. In the following lines, we will explain to you what you need to know when renting a property in Luxembourg.
Did you know that the EU legislation allows every EU national who moves in another EU country to obtain permanent resident status? But what are the conditions? How does it work in the Grand Duchy and what are the advantages?
If you have just arrived in Luxembourg or if you intend to come into the country in the near future, one of your first steps will be the opening of a bank account. But which bank to choose? Is it possible to open a bank account before your arrival in Luxembourg? What is the best way to transfer money abroad? Here are some tips that will help you deal with a range of financial challenges you might face.
It is a fact that prices of consumer goods and services in Luxembourg are at a fairly high level. But there are some areas where prices are lower than on average. That is the case for the public transport which is very cheap in comparison to other countries.
As you probably know, the next legislative elections in the Grand Duchy of Luxembourg will take place on Sunday 14 October 2018. These elections are held every 5 years and allow to elect the 60 deputies who make up the Chamber of Deputies (the national Parliament)1.
As manager of the British Chamber of Commerce in Luxembourg, Sophie Kerschen has seen a lot of people come and go. Over the years she has developed a keen understanding of what makes people settle quickly and truly make Luxembourg their home.
One of the most important things to do as soon as you arrive in Luxembourg is organise social security. Caroline De Hoog of the National Health Fund explains how it all works.
Sylvie Schmit is managing director of European Relocation Services and, as such, has been helping people to move and settle in Luxembourg for many years.
As an expat, and especially if you are a non-EU citizen, the adaptation and integration in Luxembourg can be complicated. The language and culture barriers and paperwork are sometimes tricky obstacles to overcome.
Are you planning to move to Luxembourg? You don’t want your expatriation to turn into a nightmare? Think about relocation agencies! They have multilingual teams and provide newcomers customized relocation and mobility management services to make settling and integration in Luxembourg easier.
The answer depends on how long you intend to stay in Luxembourg. If you stay in the country for a short time – less than 5 years-, renting is the best option. Owning your own home in Luxembourg is very expensive and not a very profitable short-term investment such as it is in other countries, even if the Grand Duchy is facing rising pressures on the housing market. It is not coincidence that around half of foreigners rent accommodation in Luxembourg.
The answer is no. The process to move to Luxembourg with your pet is relatively smooth. If your pet is a dog, a cat or a ferret, there will be no quarantine imposed as long as the following requirements are met.
You’ve decided to relocate in Luxembourg and you will probably want to drive. But can you drive with your original driving licence? If not, how to apply for a local driving licence? And what about the licence penalty points system? Find out the answers below…
What formalities to follow at your arrival in Luxembourg?
Caisse Médico-Complémentaire Mutualiste
The Mutual Medical and Surgical Fund offers various services as a top-up health insurer. Members receive first-class hospitalisation in Luxembourg, dental coverage, patient assistance and hospitalisation abroad services.
Where: 49 rue de Strasbourg , L-2561 Luxembourg
Phone: 49 94 45 1
Email: [email protected]
To bring animals into Luxembourg, owners must follow a set of regulations.
All dogs in Luxembourg must be implanted with a microchip; puppies must be chipped within four months of birth. This identification must be performed by a licenced veterinarian. For other pets, such as cats and ferrets, electronic identification is mandatory for any trip within the EU; however, if the animal was tattooed before 3 July 2011 under the previous system and the tattoo is still legible, then the chip is not required. Rabies vaccination is compulsory for all dogs in Luxembourg. A European passport, which must accompany the animal while travelling, is issued at the same time the electronic identification is implanted.
For other carnivores, like cats and ferrets, rabies vaccination is mandatory for any animal accompanying a person travelling. To import pets from third countries into the EU, the same conditions for dogs, cats and ferrets apply for microchips and rabies vaccination. Owners should also provide a serum titration of anti-rabies antibodies performed on a blood sample taken at least 30 days after vaccination in an approved laboratory. Finally, the pet owner should provide an original health certificate issued by a licenced veterinarian of the country of origin. This certificate must be accompanied by proof of vaccination against rabies.
Ministère de la Santé
The ministry of health is responsible for the definition and application of government health policy, monitoring the application of health laws and regulations, and supervision of institutions and health services.
Where: Allée Marconi, L-2120 Luxembourg
Phone: 24 78 55 05
Renting in Luxembourg
It is no secret that Luxembourg’s real estate is expensive, and for many, buying is not an option. In order to rent a property, some requirements are imposed such as a proof of identity, income, a bank account and civil liability insurance. Usually, the rental deposit is two to three months rent; by law, it cannot exceed three months. Most agencies also charge a finder’s fee of one month’s rent plus 17% VAT. The tenant will be given the keys to the property after an inventory check with the agent or owner. Unless stated otherwise on the contract, a three-month notice period is mandatory before moving out.
This is the biggest and most used real estate portal in Luxembourg. The firm also features real estate listings in France, Belgium and Germany and provides information on real estate agencies. The website includes a blog sharing tips, price data, and information on decoration and real estate.
Building a new home
Post Luxembourg is the only company in Luxembourg that installs the connection between buildings and the national underground phone network. For new construction projects, contact Post to get connected to the network.
If you are moving into a property that is already connected, you are free to choose any telecom firm operating in the country. Note that it usually takes one month between the time you sign up and the time the technician installs your internet/landline.
Hollerich & Esch-sur-Alzette
In addition to being a mobile, landline, internet and pay TV operator, this company offers security alarm services. Two shops can be found in Hollerich and Esch-sur-Alzette.
Where: 4-8 rue de l’Aciérie , L-1112 Luxembourg
Phone: 49 94 66 888
Luxembourg Reception and Integration Agency
How to register
Within eight days of moving to Luxembourg, EU citizens must make a declaration of arrival at the town hall where they intend to establish residence. Bring a valid national ID card or passport, a family record book or a certificate of marriage or partnership, and children’s birth certificates. Within three months of arrival in Luxembourg, EU citizens must also complete a registration form (only available in French) in the same municipality. The registration form must be accompanied by a copy of the valid national identity card or passport. Salaried workers must provide a copy of their employment contract, while the self-employed must provide a copy of their business permit. Non-working residents are required to provide a declaration or proof of sufficient resources and proof that they and their family are affiliated to a health insurance scheme. Students must provide proof of registration with an approved public or private institution in Luxembourg, a declaration or proof of sufficient resources and a proof of affiliation to health insurance scheme. Non-EU citizens must hold a temporary authorisation to stay (“autorisation de séjour”), undergo a medical check-up and make a declaration of arrival at their town hall.
Bierger-Center (Luxembourg City)
Newcomers to Luxembourg City should register here, and can receive help with settling in and with administrative procedures. It is also the place to record births, deaths and marriages in the capital.
Where: 44 place Guillaume II / 2 rue Notre-Dame (two entrances to the same building), L-2090 Luxembourg
Phone: 47 96 26 31
Email: [email protected]
Caisse Nationale de Santé
The National Health Fund (CNS) is the primary state-run health insurance provider. It provides reimbursement of many healthcare costs (that are paid at the point of delivery), maternity allowance, as well as long-term care and cash benefits in the event of disability.
Where: 125 route d’Esch , L-1471 Luxembourg
Phone: 27 57 1
Caisse pour l’Avenir des Enfants
The national fund for family allowances is responsible for the payment and management of family benefits as well as “chèque-service” childcare vouchers and parental leave.
Where: 34 avenue de la Porte-Neuve , L-2227 Luxembourg
Phone: 47 71 53 1
Upon arrival in Luxembourg, you should visit your commune hall to request a tax card, which tells your employer how to calculate withholding tax. In order for you to receive one, you need to show proof of residence. Tax cards are only valid during the year in which you received it. Generally you are sent a new one automatically, but sometimes you need to request a new one for a specific year.
Tax information in English is available on the “Guichet” public information portal.
A translation agency in Luxembourg that caters to both individuals and companies in need of translation services. They can translate birth certificates, CVs, medical documents and employment contracts, among other documents.
Where: 86 rue de Luxembourg , L-4221 Esch-sur-Alzette
Phone: 47 46 76
Email: [email protected]
Translators and interpreters
Search for “Liste des traducteurs” on the justice ministry’s website for a comprehensive list of all the certified translators and interpreters currently working in Luxembourg who are available for translating official documents.
The official portal of the government lists information about cabinet members, ministries, departments and government news announcements (mostly in French, with some English, German and Luxembourgish).