{"id":10815,"date":"2018-02-13T09:34:46","date_gmt":"2018-02-13T08:34:46","guid":{"rendered":"https:\/\/www.athome.lu\/blog\/?p=10815"},"modified":"2025-02-10T11:54:32","modified_gmt":"2025-02-10T10:54:32","slug":"advice-on-financing-your-real-estate","status":"publish","type":"post","link":"https:\/\/www.athome.lu\/blog\/en\/acheter\/pret-immobilier\/les-bons-conseils-pour-financer-votre-bien-immobilier\/","title":{"rendered":"Good advice for financing your property"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><span style=\"color: #000000;\">Taking out a mortgage is one of the most important steps in the process of becoming a homeowner. What are the requirements for financing a property and how do you go about it? Here are some tips to help you deal with financial and public institutions.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><span style=\"color: #000000;\">Taking care of your borrowing profile<\/span><\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"color: #000000;\">The aim here is to present a reassuring history of your financial situation. The bank will analyse your situation over a period of time that can range from 2 to 5 years. It will take into account the following elements:<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"color: #000000;\"><br>- Timely repayment of your outstanding debts as well as the possibility of clearing your personal loans before taking out a bank loan<br>- Personal accounts funded<br>- Amount of your savings<br>- Employment status (permanent)<br>- <\/span>And so on.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Provide a personal contribution<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"color: #000000;\">To grant you a mortgage, the bank will ask you for a personal contribution of 20 to 30 % of the amount you wish to borrow. This contribution will be used to finance the bank's fees, the agency's fees, the notary's fees, etc.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Calculate your debt capacity<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"color: #000000;\">In general, the monthly payments cannot exceed 33 % of your income. This limit is in place so that people who have taken out a mortgage can continue to meet their personal expenses.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><span style=\"color: #000000;\">Find out about state aid<\/span><\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"color: #000000;\">The State offers several aids for future homeowners:<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"color: #000000;\"><br>- Capital assistance: for a single-family detached house, it varies between \u20ac250 and \u20ac9,700 depending on the family situation and household income. A bonus of 15 % is applied to semi-detached houses. For a condominium or a \"row\" house, the premium will be increased by 30 %.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"color: #000000;\"><br>- Construction aid: only for first-time occupants. It is paid if the building in question still requires major work and the amount of this work exceeds 50 % of the purchase price.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"color: #000000;\"><br>- The construction or acquisition premium: A one-off premium paid directly to the lender.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"color: #000000;\"><br>- Communal capital allowance: linked to the state capital allowance, it is paid by the communes. It is advisable to contact the commune where the property is located.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><span style=\"color: #000000;\">Deciphering loan offers<\/span><\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"color: #000000;\">Don't just contact one bank. Make an appointment with several of them and compare their offers. Compare the related variants:<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"color: #000000;\"><br>- At the interest rate<br>- To the duration of the monthly payments<br>- To life insurance<br>- Loan formulas: fixed rate loan, variable rate loan, adjustable rate loan, etc.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"color: #000000;\">Another solution is to use the services of a broker. The broker will contact the various financial institutions and negotiate the terms and conditions for you. Accustomed to this type of practice and often benefiting from a large network, he or she will be able to find the offer that best meets your criteria and your ability to repay.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span style=\"color: #000000;\"><strong>Experts to find your home loan<\/strong><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"> <strong>Contact an atHome Finance expert<\/strong> : <br><a href=\"https:\/\/www.athome.lu\/finance\/pret-immobilier\/simulation-pret-immobilier.html\">\ud83d\udd0e <strong>Simulate your loan<\/strong><br><\/a><a href=\"https:\/\/www.athome.lu\/finance\/pret-immobilier\/demande\">\ud83d\udcc5 <strong>Make an appointment with a broker<\/strong><br><\/a><a href=\"https:\/\/www.athome.lu\/finance\/pret-immobilier\/taux\">\ud83d\udcca <strong>Current rates in Luxembourg<\/strong><\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>&nbsp;<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>Contracter un pr\u00eat immobilier est l\u2019une des \u00e9tapes importantes lorsque l\u2019on envisage de devenir propri\u00e9taire. Quelles sont les conditions requises pour financer un bien immobilier et comment s\u2019y prendre ? Voici quelques conseils pour vous aider dans vos d\u00e9marches aupr\u00e8s des institutions financi\u00e8res et publiques. Soigner votre profil d\u2019emprunteur Il s\u2019agit ici de pr\u00e9senter un [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":10824,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[207],"tags":[36],"class_list":["post-10815","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pret-immobilier","tag-credit-immobilier"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Les bons conseils pour financer votre bien immobilier - atHome Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.athome.lu\/blog\/en\/buy\/home-loan\/advice-on-financing-your-real-estate\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Les bons conseils pour financer votre bien immobilier - atHome Blog\" \/>\n<meta property=\"og:description\" content=\"Contracter un pr\u00eat immobilier est l\u2019une des \u00e9tapes importantes lorsque l\u2019on envisage de devenir propri\u00e9taire. Quelles sont les conditions requises pour financer un bien immobilier et comment s\u2019y prendre ? Voici quelques conseils pour vous aider dans vos d\u00e9marches aupr\u00e8s des institutions financi\u00e8res et publiques. 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