How to calculate your budget and financing plan?

You've found your dream house, and all you have to do now is take out a housing loan with your bank. You're wondering whether to go for a fixed or variable rate. There are no right answers and no magic formula. Since no two properties are alike, your Housing Advisor is best placed to offer you financing solutions suited to your project and, above all, to your personal and financial situation. Still, there are some important differences between fixed and variable rates.

Are you considering a real estate project but don't know if you can afford it? You can find out the sum that you'd need to borrow and how much you are able to repay by producing a financing plan!

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.

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.