Climate-loan interest subsidy
Reduce interest costs on a loan for energy renovation of a Luxembourg home after receiving qualifying Klimabonus support for the same works.
Ta możliwość jest obecnie dostępna po angielsku.
The state pays an interest subsidy into the account you specify, helping with the interest on your bank renovation loan. You remain responsible for repaying that loan. The subsidy rate is 1.5 percentage points, limited to the nominal loan interest rate.
The calculation uses a statutory amortisation schedule over at most 15 years from the first subsidy payment. It considers up to €100,000 of principal per home across one or several loans, limited to the costs accepted for the qualifying Klimabonus award. A Topup Klimabonus improvement grant reduces the amount used in this calculation. Total interest support cannot exceed 10% of the principal borrowed for the qualifying works. No subsidy is paid if the monthly calculation is below €10.
Eligibility
- You must be an adult, have a Luxembourg residence entitlement lasting more than three months, and be registered in the main national register of natural persons.
- You must be the sole borrower and hold full, exclusive ownership of the home. Its first occupation must have been at least ten years before your application, and it must have its own cadastral designation, meaning a separate property reference in the land register.
- Your loan must finance energy-renovation measures or technical installations for that home. The same works must already have received a Klimabonus award under articles 4 or 5 of the amended law of 23 December 2016; the F3 form accepts awards granted from 1 January 2022.
- The home must be in Luxembourg and serve as your or another person’s main, permanent home. The ministry states that this must last at least two years after the award and throughout the subsidy period. The law requires this occupation by three years after the works begin; a written, justified request can extend that deadline by up to two years for force majeure, health, family, professional or financial reasons. Failure to meet the condition can require repayment of the subsidy.
The form’s prohibition on owning another home does not apply to this interest subsidy. You must promptly report changes affecting the aid, including changes to household membership, sale of the home, early loan repayment or changes to its rate, amount or duration. Employer or employment-contract changes affecting income are reported at the next reassessment. Inaccurate or incomplete declarations, unreported material changes or failure to supply requested information within three months can lead to refusal or recovery. A legal mortgage on the home can secure possible repayment of housing aid.
How to apply
- Status
- Nabór ciągły
- Warunki naboru
- Qualifying Klimabonus support for the financed works must already have been awarded.[^c7]
Complete, date and sign the F3 energy-renovation aid form and select “Subvention d’intérêt pour prêt climatique”. Submit it to the Ministry of Housing and Spatial Planning through the Guichet unique des aides au logement, 11 rue de Hollerich, L-1741 Luxembourg. The service can be contacted at guichet@ml.etat.lu.
Attach the Klimabonus award decision, proof of property ownership, identity and applicable residence documents, the municipality’s certificate of first occupation, and the bank’s certificate of the renovation loan. The annex allows the ministry to request further documents.
Support starts from submission of the application. Up to 18 preceding months can also be considered if the eligibility conditions were met then and the financed works had started.