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R-Logement — First-time buyer loan

The housing loan can be used to buy, build or renovate a dwelling. Raiffeisen offers fixed-rate or floating-rate loans, generally for a term of 10 to 30 years.
Your benefits
Personalised plan
Fixed or floating home loan rates
Advice on structuring your finance, state aid, tax optimisation, insurance...

Together, we can make your dream come true

Housing loans are available to finance:

  • The acquisition of land to build on, a house or an apartment,
  • the construction of your new home,
  • Conversion work in an existing or newly acquired dwelling. 

Raiffeisen can help you with buying property in Luxembourg or abroad.

R-Logement is more than just a loan.

You also benefit from:

ADVICE: Finance structuring, state aid, tax optimisation, insurance... We can answer all your questions. Make the most of the experience and expertise of our advisors and find the best solution for your personal situation.

FLEXIBILITY: A floating rate, fixed rate or a mix of both? Your repayment plan can take the term of an investment or life insurance into account. Our loan arrangements are always made to measure.

CLOSENESS: This is something that sets us apart... you are never far from one of our branches. Wherever you are, our staff will reserve you a warm welcome and remain on hand to assist you at every stage of your project.

R-Logement Together, we can make your dream come true

Good to know

Insurance on the outstanding balance

With a view to protecting your loved ones in the event of death, the loan can be combined with insurance on the outstanding balance, to cover the amount that remains due.


Tax deductible

The interest paid on a housing loan used to acquire your main home can be deducted from your taxable income, within the limits provided for by the law.

Handy tools

Finance plan 

Download the document and use it to calculate your finance plan or contact a Raiffeisen advisor who will help you find the best solution for you.



Calculate your borrowing capacity or find out how much your project will cost in total.

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