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Renting Property

Luxembourg - Renting Property

Luxembourg is one of the smallest countries in the world, and Luxembourg City is home to key business operations, including the banking sector. As a result, rents can be high, especially in Luxembourg City. There are many towns within an hour’s commute of Luxembourg City which offer the possibility of more affordable rents. Some people put up with the long commute from nearby France, Belgium or Germany to pay lower housing costs, either because they choose to or because their financial circumstances demand it.

Only about a quarter of Luxembourg’s properties are rented out to tenants, but there is a good range of properties available to suit your needs and budget. Properties can be rented as tiny studio apartments, flats with one or more bedroom, family homes and grand villas with outbuildings and land around them. Whilst Luxembourg City is particularly popular with expats, towns and villages across the country also are home to those who have relocated here.

All homes put on the market for rental will typically have a fitted bathroom and kitchen. Whether a property is furnished or not will depend on the landlord’s decision. You will generally pay more for a property which has been furnished, but this does allow you to move straight in and live comfortably without making a significant investment to purchase furniture. Curtains will rarely be included, as many properties include shutters to cover the windows at night.

Some newspapers do still run classified ads for housing rentals, but today these are more likely to be online, or even as Facebook posts. You should always exercise caution with any rental prospects, especially if you are seeking properties without agency help. If you are a young, single person, there is a small risk you receive unwelcome attention from the landlord when viewing a property. However, the main risk for property seekers is that criminals will be looking for ways to obtain your money. If you have any issues looking at a property or meeting the owner, or you are asked to pay a cash reserve fee, you should walk away. Never pay any deposit, security bond or rent in cash, so you can at least prove that you made the payment if you need to seek help from the police or courts.

If you find a rental property using the services of an estate agent, you will typically pay them a fee of one month’s rent plus 15 percent VAT. You will see estate agents advertised as agencies immobilieres, and they are easily located online. Properties available for rent through an agency will typically have an a louer (for rent) sign outside, with the agent’s contact details.

Luxembourg has clear and strong laws in place which protect tenants’ rights. As a result, most landlords are very careful about which tenants they will accept. It is normal, therefore, for the landlord or the agencies immobilieres to ask for your proof of ID and residency status, documented evidence of your income and a reference.

Tenancy agreements are usually for a fixed period, typically two or three years. As an expat, you may be offered a contract which allows you to leave earlier with a notice period, such as three months. This could be useful if you need to relocate again for work or family reasons.

In addition to the first month’s rent payable in advance, you will also be asked to deposit a security bond. The amount will vary; it is often the equivalent to one month’s rent, but can be up to the equivalent of three month’s rent. For good practice, your security deposit should be held in a client account, rather than deposited into the landlord’s bank account.

On the day you move in, check the property and contents against the etat des lieux (state of the premises) inventory and condition report. Discuss any listed items which are not physically present, and amend the listing accordingly. Similarly, annotate the list with any items which need fixing or replacement. You should take photographs of all rooms and contents, with close ups of any areas of wear and tear or signs of damage. Given the excellent quality of most camera phones today, this is easily done. On the day you move out, repeat the same process. This means you have proof should the landlord later try to claim repair costs for pre-existing damage.

The roads in Luxembourg can get congested during commuting hours, not least because of the number of workers driving in from nearby countries. Before you decide on your rental property, check the public transport and driving routes thoroughly, as an unexpectedly long commute may affect your enjoyment of your new home.

If the property does not have a garage or designated parking area and you own a car, you will need to obtain a vignette de stationnement (parking permit). The first for each household is free, and a further three can be purchased for an annual fee.

Apartment blocks mean you will have a number of communal rules to follow, the terms of which will be found in your tenancy agreement. They can apply to a number of areas, including disposal of refuse, storage of bicycles and guest parking.

The residents of apartment blocks also pay a monthly contribution to the maintenance of the premises. These will vary according to the type of property and the management arrangements. Some properties will employ a concierge or building manager, and maintain elevators and laundry rooms, whilst older basic properties may need to replace the roof. The charges can be quite substantial, and some will be the responsibility of the tenant to pay. Make sure you have received a schedule of charges for maintenance and additional services before you sign the tenancy agreement.

Tenants in an apartment block may also have all their utility costs covered for one monthly charge, although what is covered will vary, so it is important to receive all the information in writing. If you are renting a house, you will get connected via an energy company for electricity and natural gas, and receive regular bills to pay. This is the same for telephone, broadband and TV connections, which are again the responsibility of the tenant.



Expat Health Insurance Partners


Bupa Global

At Bupa we have been helping individuals and families live longer, healthier, happier lives for over 60 years. We are trusted by expats in 190 different countries and have links with healthcare organisations throughout the world. So whether you're moving abroad for a change of career or a change of scene, with our international private health insurance you will always be in safe hands.

Cigna

Cigna has worked in international health insurance for more than 30 years. Today, Cigna has over 71 million customer relationships around the world. Looking after them is an international workforce of 31,000 people, plus a network of over 1 million hospitals, physicians, clinics and health and wellness specialists worldwide, meaning you have easy access to treatment.