Buy

Do you want to become a homeowner or carry out work, but you cannot offer sufficient guarantees to your bank or financial institution of choice? There is a solution to help you: the state guarantee. What is a state guarantee? The State guarantees to help people who cannot afford to pay for their home.

Who can buy a flat or a house in Luxembourg? With property prices rising all the time, this is the question many people may ask themselves. So what salary to buy in Luxembourg? We asked our mortgage experts atHomeFinance to shed some light on the issue. Here's everything you need to know about [...]

In Luxembourg, residents are borrowing more and more to invest in property. In a context where interest rates remain low, future homeowners are not hesitating to take out a larger property loan to buy their house or flat. Residents [...]

Used in the context of forward sales or sales in the future state of completion (VEFA), the reservation contract is concluded between the developer and the buyer. It is the only valid contract for reserving all or part of a building. The reservation contract The reservation contract is drawn up before the payment is made.

Analysing the different contracts, looking for the best rate... studying different mortgage offers is time-consuming, but necessary. Do you have neither the time nor the skills to do this work? It is possible to find a mortgage quickly by using a broker and preparing your file in advance. Doing [...]

The Luxembourg property market is doing well and prices are rising steadily. A boon for owners, but a real problem for buyers. However, with a little research, it is possible to find properties that are negotiated for less. Here are 3 tips that may help you to become a homeowner [...]

The first step when planning to buy a house is to use a credit simulator to calculate your ability to repay. Although this may differ considerably depending on the bank chosen, some rules remain unchanged. What is the debt ratio? It is generally estimated that a person can borrow up to 1/3 of their income. The debt ratio [...]

Buying a property is always an important moment in one's life. And being accompanied in the process of dealing with the banks is a precious help, especially for the uninitiated. In the jungle of interest rates, a mortgage broker is a valuable ally! The advantages of a mortgage broker You will [...]

While using a mortgage broker is very common in other countries, particularly in the United Kingdom, the European champions, or even among our French and German neighbours, in the Grand Duchy this practice has not yet become part of residents' habits. However, since 2012 there has been a real evolution in the brokerage market [...].