Interest rates on new mortgage loans
Fixed und floating interest rates in Luxemburg in 2023
The following analyzes show the development of the interest rates on new mortgage loans in Luxembourg in 2023. 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 interest rates published by the BCL in January 2023
Duration of the fixed interest period | Current rate |
Change in one month |
---|---|---|
Variable interest rate and initial fixed interest rate for 1 year or less | 2,50 % | +0,24 % |
Initial fixed interest rate for more than 1 year up to and including 5 years | 3,24 % | +0,25 % |
Initial fixed interest rate for more than 5 years up to and including 10 years | 3,50 % | +0,39 % |
Initial fixed interest rate for more than 10 years | 3,31 % | +0,14 % |
Trend of the current interest rates on real estate loans
According to the latest figures published by the Banque Centrale du Luxembourg (BCL) on January 9, 2023, the variable interest rates for real estate loans and the interest rates fixed for short maturities of up to 1 year have increased sharply compared to the previous month. These interest rates currently average 2.5%. Fixed interest rates for short maturities between 1 and 5 years rose by 0.25% to 3.24%. Fixed interest rates for an initial maturity of between 5 and 10 years are up 0.39% month-on-month and currently stand at 3.5%. The average interest rates fixed for maturities of 10 years and longer have also risen sharply. These interest rates currently average 3.31%.
Important NOTE:
Please note that these interest rates correspond to the interest rates registered by the BCL. These reflect the actual market situation. However, the numbers are delayed by at least a month. Due to the current strong upward trend, you must therefore assume that your bank's interest rates can deviate by more than 1% from the interest rates given here.

Interest rates on real estate loans published by the BCL in november 2022
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Request an interest rate for your project
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.