THE STORY OF YOUR NEW HOME BEGINS WITH THE ESTABLISHMENT OF YOUR BUDGET

On the occasion of Home Expo (formerly the Autumn Fair), we've brought together all the important information you need to get started on your housing project! From financing to ecological subsidies, you'll find everything you need to know about your future home. Happy reading!

If you have just finished your studies or started your professional life, you are probably not thinking about saving money. And even less about saving to buy a property. Your own apartment… that’s a lot of money and still seems a distant dream, right? OK, but what if we told you that you can get started right away? Here’s how!

Do you have a property project on the horizon for which you're already thinking about applying for a loan from your bank? Spuerkeess supports you and adapts to your needs. To make it easier for you to purchase your property, you can apply for a home loan directly online via S-Net, with the support of a Housing Advisor. Mirko Kessler, Team Manager of the Lending Division at Spuerkeess, explains why the bank wanted to digitalise its customer journey.

You've decided to invest in real estate? Congratulations! Investing in bricks and mortar remains an interesting bet when preparing your retirement. It enables you to diversify your savings and to generate additional income. So it’s all good news then? Yes, providing that you do your research. Here are some ideas for investing successfully in rental properties.

Whether it is to live in or rent out, buying a property also offers a number of tax benefits as set by law. In order to help you better understand these benefits, Charles Pletsch, chef adjoint du service Coordination du Réseau d’Agences at Spuerkeess, provides some explanations.

Over the past weeks, the media has taken up the topic of the rising interest rates which is causing our clients to ask all sorts of questions about their loans. We’ve asked Charles Pletsch, Vice President and Head of Business Unit at Spuerkeess and housing loan expert, to share two tips on how to best manage your housing project.

Now that Sophie and Mark are in a civil partnership, they are thinking more and more about building a house. Sophie already sees herself planting roses in her garden, and Mark dreams of a new open-plan kitchen where he can cook up extravagant dishes in front of their friends. Mark is in fact a very good cook and often takes himself to be a great chef! However, despite all this, the couple still needs to put money aside, and has thus decided to open a BHW housing savings scheme with Spuerkeess.

A few weeks ago, you took a trip with your family to the countryside and came across a magnificent little house for sale. Since then, nobody can stop talking about moving. Despite the house requiring a little renovation work, the entire family is ready to take the plunge. Congratulations! For the occasion, we have drawn up a check-list to help you prepare your loan application.

The high real estate prices are a direct consequence of the imbalance between supply and demand for housing in our country. But how did this imbalance occur? Michel Zimer, head of Credit Process Management, analyses the factors that explain the increase in real estate prices in Luxembourg.

Spuerkeess is market leader for residential real estate loans in Luxembourg. We spoke with Michel Zimer, Vice President of Credit Process Management, and asked him to give us an overview of the latest developments in the real estate market.

Spuerkeess is aware that the ongoing price increases put pressure on customers who want to purchase real estate, whether for their own needs or as a rental investment. This is why Spuerkeess’s personalized advice and flexible solutions have become crucial customer relation components.