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You’re moving? Expect these costs and administrative hurdles!
Direct and indirect costs of moving house, administrative procedures, etc... : here is a quick overview of the steps to complet before you can start emjoying your new home and getting to know your new neighbours.
Who to contact?
Whether you’re about to move to the Grand Duchy of Luxembourg for the very first time or “only” moving from one local municipality to another, you have to declare your arrival at the city council administration of your new place of residence within 8 days of the occupancy of your new home.
Ask to have your mail automatically redirected to your new address to make sure that you receive all your mail and all your bills in the weeks following your change of address.
If you are sticking with the same suppliers (gas, electricity, water, internet/telephone) than the previous occupier of the residence, fill in the transfer forms together to avoid the additional costs of closing and reopening accounts.
If you’d like to keep your current suppliers, fill in their change-of-address form or contact them directly.
Also think about contacting your telecommunications supplier in good time so that you are not left without a phone line, internet or television.
Inform your employer of your change of address. This is important for correspondence but also when it comes to the calculation of any commuting allowances. Consider taking a few days off so that you can properly prepare your move.
Though we cannot give you a complete list, you should not forget to notify people of your change of address: your friends, your family, your mutual health insurance company, but also any newspapers or magazines you subscribe to, your children's sport clubs, etc.
How much does it cost to move house?
Of course, it is difficult to summarise all the costs involved in moving house as this depends on different factors. You will have direct costs such as hiring a moving van or hoist. You might also need a specialist removal company.
But moving house also involves indirect costs, which are less obvious:
And after taking care of all this, there will be only one more thing left to do: enjoy your new home ;-)
12/2021
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How do you plan your home loan project in the face of rising interest rates?
War in Ukraine, the economic slowdown, soaring inflation: in these uncertain times, it's not always easy to make the right decisions, especially when they concern home loans. What should you look out for if you want to become a homeowner or if you still have a loan to repay?
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Renting or buying a property when arriving in Luxembourg?
The answer depends on how long you intend to stay in Luxembourg. If you stay in the country for a short time – less than 5 years-, renting is the best option. Owning your own home in Luxembourg is very expensive and not a very profitable short-term investment such as it is in other countries, even if the Grand Duchy is facing rising pressures on the housing market.
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Is insurance for the remaining balance due compulsory?
Accurately quantifying the cost of insurance for the remaining balance due is difficult, because in practice it is calculated on a case-by-case basis. It depends on your loan. The higher your capital to insure, the higher the premium will be.