Real estate credit

Do you want to know if this is the right time for you to buy a property? In addition to your borrowing capacity, there are a number of other factors to take into account before considering financing the purchase of a house or flat in Luxembourg. Here they are. Find out about property prices The first step to take when buying a property in Luxembourg is to [...]

Contrary to popular belief, buying without a down payment is possible in Luxembourg. However, to qualify for this total financing, you must meet certain conditions and provide guarantees. We'll tell you what they are! Financing at 110 % If you do not have any personal contribution to finance a flat or a house, you will have to make a down payment of [...].

There are some strict rules for financing a flat that has been sold off before completion (VEFA). We explain how to finance your new flat. The amount of the personal contribution For a purchase off-plan, the banks' rules are the same as for the old. In general, the personal contribution required represents 10 % of the total cost of the property.

Home ownership is not just for young people. Even if you are close to retirement, you can still buy a property and obtain a mortgage. Mortgages for senior citizens Contrary to popular belief, people who are close to retirement or even young pensioners can still buy a property.

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 [...]

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 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 [...]