The main categories
Four families, according to the object of the project. They cover purchase, refurbishment, energy and financing.
Support for acquisition, including a grant for households buying or building their main residence, with uplifts according to the type of dwelling.
Support for home improvement, covering works to restore an existing dwelling.
Support for energy refurbishment, covered in the article on energy refurbishment support.
Support bearing on financing, interest subsidy, savings premium and guarantee, covered in the article on financing support.
Support for renting also exists, rent subsidy and help with the rental deposit, but these fall outside this guide devoted to construction.
| Category of support | Object | When to apply |
|---|---|---|
| Purchase | Buying a dwelling | Before the deed |
| Works | Improving the dwelling | Before the works |
| Energy refurbishment | Performance of the building | Before the works |
| Financing | Loan and guarantees | Before the loan offer |
The common condition
It overlaps with that of the tax schemes without being identical to it. The main residence condition recurs there in another form.
The dwelling must serve as a principal and permanent residence.
The word permanent adds a requirement of continuity to that of use, which excludes intermittent occupation.
Duration undertakings are added depending on the support, and failing to observe them may entail partial or total repayment.
These undertakings are covered in the article on commitments over time, and they differ from those applying to the tax schemes.
The revisions made in 2026
Five changes announced by the competent authorities, worth knowing as they alter access and procedure. Their entry into force is checked before any commitment.
A revised method of calculating net income, taking in all income, including income not taxable in Luxembourg, and the part of family allowances exceeding the statutory amounts. The stated aim is equal treatment between applicants.
Lighter administrative obligations: changes relating to employment no longer have to be declared immediately, but at the next review of the file.
One obligation maintained: changes in household composition must still be reported promptly.
The end of the improvement grant for installing boilers running on fossil fuels, in line with European requirements.
A clarification of the grant for integrated dwellings, now limited to one grant per detached house and conditional on a separate access.
The fourth point deserves attention in refurbishment: a project relying on replacing an installation with a fossil-fuel one no longer attracts this support.
Why no scale is reproduced here
The same reasoning as for the tax schemes. The application precedes the start of the works.
Amounts and income ceilings are set by regulation and revised.
Secondary sources give divergent versions of them, with no way for readers to tell which matches their situation and the date.
Income conditions further depend on household composition, which makes any isolated figure unusable.
The applicable scale must be obtained from the responsible ministry, whose services process applications.
What to check before building a funding plan
Four points.
Eligibility against the income conditions, covered in the article on income and area conditions.
The timing of the application, most support requiring a prior step.
The duration undertakings attaching to each form of support.
Combination with the tax schemes, covered in the article on combining schemes and its limits.
The articles in this branch
The article on energy refurbishment support covers the energy strand. The schemes are detailed there.
The article on financing support covers the credit strand. The mechanisms are explained there.
The article on income and area conditions covers the access criteria. The thresholds are set out there.
This article reflects the state of the schemes at the date of checking and serves professional orientation. It does not replace consultation of the responsible ministry.