{"id":13197,"date":"2021-02-10T12:22:59","date_gmt":"2021-02-10T11:22:59","guid":{"rendered":"https:\/\/www.athome.lu\/blog\/?p=13197"},"modified":"2022-05-11T11:15:57","modified_gmt":"2022-05-11T09:15:57","slug":"7-tips-on-how-to-build-your-own-home","status":"publish","type":"post","link":"https:\/\/www.athome.lu\/blog\/en\/acheter\/pret-immobilier\/7-conseils-pour-vous-construire-un-apport-personnel\/","title":{"rendered":"6 tips to build up your own capital"},"content":{"rendered":"<p class=\"wp-block-paragraph\">While it is still possible to buy without a deposit, most property purchases require between 10 and 20% of personal deposit. This amount of money allows you to obtain a better rate for your loan and to lower your monthly payments.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Tip 1: Put money into a savings account each month<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Whether it's \u00a350 or \u00a3500 a month, schedule an automatic monthly transfer to a savings account, depending on your means. Have you received a bonus or spent less than expected this month? Make it a habit to make your savings grow as soon as you can! Ask your bank and its competitors for the best rate.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Tip 2: Optimise your subscriptions<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Mobile package, internet box, Netflix, Spotify, Cloud, gym... Every month, hundreds of euros are deducted from your account: do the math! To reduce these expenses, we advise you to :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Watch for offers<\/strong>. More and more services are being combined (your mobile package that includes Spotify, Canal+ and Disney+ packages, etc.), and many offer very attractive private sales.<\/li><li><strong>Be clear about your needs<\/strong>. Do you really need that gym membership you haven't been to in months? Do you need a 3000 channel package when all you watch is Netflix? Are you really using the 75GB of your mobile package?<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Tip 3: Call on your friends and family<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Your family and friends can help you boost your savings: every donation or loan brings you closer to your goal! For loans, we advise you to agree on the expected repayment dates and to sign an IOU.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Tip number 4: Go for upcycling!<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The trend is towards responsible consumption and upcycling, take advantage of it! Many platforms allow individuals to sell clothes and objects in good condition that they no longer use. Spend a weekend sorting through your stuff and save space while increasing your savings. You should also check out these platforms when you need to buy something, as there are some great deals to be had!<\/p>\n\n\n<section id=\"section-3-14695\" class=\"ct-section\" ><div class=\"ct-section-inner-wrap\"><div id=\"div_block-4-14695\" class=\"ct-div-block\" ><div id=\"new_columns-7-14695\" class=\"ct-new-columns\" ><div id=\"div_block-8-14695\" class=\"ct-div-block\" ><div id=\"div_block-14-14695\" class=\"ct-div-block\" ><\/div><\/div><div id=\"div_block-9-14695\" class=\"ct-div-block\" ><h1 id=\"headline-11-14695\" class=\"ct-headline\">What are the property prices at the moment?<\/h1><div id=\"text_block-12-14695\" class=\"ct-text-block\" >Prices are slowing down. Interest rates are rising. What are the trends for the coming months?<\/div><a id=\"link_button-13-14695\" class=\"ct-link-button\" href=\"https:\/\/www.athome.lu\/blog\/blog\/marche-immobilier\/prix\/tendances-2022\/\" target=\"_blank\"  >Read the analysis<\/a><\/div><\/div><\/div><\/div><\/section>\n\n\n<h2 class=\"wp-block-heading\">Tip number 5: Track your expenses<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Through applications or an Excel file, do your accounts each month. Divide your expenses into sections to identify areas where you can make savings:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Fixed costs (rent, subscriptions, etc.)<\/li><li>Food shopping<\/li><li>Leisure (shopping, restaurants, non-food shopping...)<\/li><li>Travel (train, plane, hotels, Airbnb...)<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Tip number 6: Get your money back<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Keep a file with all your important papers and be diligent: letters to the NSC, <a href=\"https:\/\/taxx.lu\/?locale=en\">tax return<\/a>Expenses, expense reports... Fight your administrative phobia and spend one hour a month to get everything in order; it's worth it!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Once you have made your contribution, <a href=\"https:\/\/www.athome.lu\/blog\/finance\/pret-immobilier\">make an appointment with one of our brokers<\/a> to get the best rate for your property purchase. You now have all the cards in hand to buy the property of your dreams!<\/p>","protected":false},"excerpt":{"rendered":"<p>S'il est encore possible d'acheter sans apport, la plupart des achats immobiliers n\u00e9cessitent entre 10 et 20% d'apport personnel. Cette somme d'argent vous permet d'obtenir un meilleur taux pour votre pr\u00eat et de faire baisser vos mensualit\u00e9s. Conseil num\u00e9ro 1 : Placez chaque mois sur un compte \u00e9pargne Que ce soit 50\u20ac ou 500\u20ac par [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":13198,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[207],"tags":[138,134,136,135,137,35],"class_list":["post-13197","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pret-immobilier","tag-achat-immobilier","tag-apport","tag-apport-personnel","tag-conseil","tag-economiser","tag-epargne"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>6 conseils pour vous construire un apport personnel - 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\/7-tips-on-how-to-build-your-own-home\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"6 conseils pour vous construire un apport personnel - atHome Blog\" \/>\n<meta property=\"og:description\" content=\"S&#039;il est encore possible d&#039;acheter sans apport, la plupart des achats immobiliers n\u00e9cessitent entre 10 et 20% d&#039;apport personnel. 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