Author: AXA LuxembourgCreation date : 15/01/2018
How should you prepare for your move to Luxembourg before you leave?
A successful move to the Grand Duchy depends on careful planning that begins well before moving day. The priority formalities vary depending on your status on arrival: permanent resident, cross-border worker or expatriate on an international contract. As soon as you sign your employment contract, it is essential to list the documents required for your future rental application and map out your temporary accommodation needs. Planning all the logistics in advance will allow you to approach this change without stress and avoid administrative hold-ups when you arrive.
How can you find accommodation in Luxembourg?
The Luxembourg property market is under significant pressure, with demand far exceeding supply. To carry out your search successfully, focus on specialist property listing portals, draw on your network and contact local estate agents.
Be aware of significant geographical disparities: Luxembourg City and the southern outskirts have the highest prices per square metre, while the north offers more affordable opportunities. Given how fast-moving this market is, allow realistic timeframes (expect your search to take 2 to 3 months) and align your criteria strictly with your actual budget and the financial guarantee requirements linked to your employment status.
What are the rules governing tenancy agreements and tenants’ obligations?
Signing a tenancy agreement in Luxembourg commits you to a set of strict legal rules. As a tenant, your legal obligations include paying the rent on time, routine maintenance of the property and peaceful use of the premises. The provision of a rental guarantee (deposit), equivalent to a maximum of two months’ rent, excluding charges, is systematically required and is accompanied by a detailed joint inventory and condition report. Furthermore, please note that the landlord will contractually require you to take out home insurance covering tenant liability (fire, water damage).
Finally, check whether the rental concerns furnished or unfurnished accommodation, as the legal notice periods and furniture inventories differ significantly.
What essential administrative steps should you take after you arrive?
As soon as you put down your suitcases, the administrative countdown begins. The very first mandatory step is to register with the population office of your new municipal administration within 8 days of moving into your accommodation, in order to obtain your residence certificate. This step triggers the official allocation of your 13-digit national identification number. At the same time, make sure that you are properly registered with the Joint Social Security Centre (CCSS) and with the National Health Fund (CNS) so that your social security entitlements are activated immediately, along with access to healthcare reimbursements and proper recording of your statutory leave.
How should you organise your practical day-to-day setup (energy, telecoms, car)?
For your home to be fully functional, you need to prioritise the practical day-to-day connections. The priority steps are taking out energy supply contracts (electricity and gas) and water contracts with the providers in your municipality, followed immediately by arranging internet access and telecoms subscriptions. Secondary formalities, which are just as important, include registering your pets with the municipal administration and completing the formalities for importing your vehicle or registering it with Luxembourg plates, which must be finalised within six months of your declaration of arrival.
Which types of insurance are essential when moving to Luxembourg?
To protect your new life and avoid any regulatory missteps, you need to distinguish between mandatory and recommended cover.
Home insurance (covering the building and your personal belongings) is the first essential component required by landlords or banks. It must be combined with private Third-Party Liability (TPL) insurance to cover all members of your household in the event of damage caused to a third party. Finally, if you are moving with a dog, remember that Luxembourg law requires you to take out a specific pet liability extension, which must be presented when registering your dog with the municipal administration.
The checklist for a stress-free move
| Preparing the complete rental application file, sorting civil status documents. | Recommended | Yourself / Administration in your country of origin. |
| Active property search, viewings and selection of estate agents. | Essential | Property portals / Local estate agencies. |
| Signing the tenancy agreement, payment of the deposit and carrying out the inventory and condition report. | Contractual obligation | Landlord / Estate agency. |
| Declaration of residence at the municipal administration and obtaining the national identification number. | Legal obligation | Municipal administration (population office). |
| CNS registration, transfer of subscriptions (electricity, internet, water). | Essential | Energy suppliers / CCSS / CNS. |
| Vehicle registration and change of number plate registration. | Legal obligation | SNCA (National Society of Automotive Traffic). |
Finally, know that the inhabitants of the Grand Duchy have given a score of 7.5 out of 10 for quality of life in Luxembourg, according to the national polling institute.
Not bad, eh?
So, welcome! (Wëllkomm)
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