The State Guarantee: a helping hand for young people
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…
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Real estate in Luxembourg: changes, evolution, new horizons?
Looking back to the events of early 2022 and the developing global crisis and challenges, the real estate market in Luxembourg has known some changes: price…
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Applying for a home loan online? It's now possible via S-Net
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…
Rewarding environmentally friendly projects!
In case you haven't noticed, it's cold outside! Out with the summer jackets and in with the scarves and overcoats! This is also usually the time when…
It's time for the tax return!
You remember that famous letter from the Tax Administration (Administration des Contributions Directes - ACD), asking you to fill in your tax return. You…
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The ins and outs of the rental deposit in Luxembourg
So you just arrived in Luxembourg and found your first place to live? The landlord (lessor) requires a rental deposit (garantie locative). What is that? How do…
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The Central Bank has continued raising key rates and rates on home will follow. What’s the best way to approach a home ownership project at this moment in time?
We asked Charles Pletsch, “Vice President and Head of Business Unit” at Spuerkeess, specialising in home loans, to share his view on interest rate trends and…
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Our tips for a successful tax return!
In February you received the famous letter from the Tax Administration asking you to submit your tax return for the previous year. From now on, the deadline…
How much can you borrow for a real estate project?
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…
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Tax returns promise to be easier with the Tax Area in S-Net
Every year it’s the same old story: Marc starts very early to gather all the documents to make his tax return, but when it comes to collecting Sophie’s…
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Marc fills in his tax return on S-Net using myTax by VIREO !
Don't procrastinate ... while the deadline for submitting the tax return is now 31 December of the year following the tax year in question, Marc likes to…
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Today I have an appointment with my banker!
Since moving into their first home and undertaking the renovation of their new house, Sophie has developed a passion for interior design. She therefore decided…
Buy to let: a good idea?
You've decided to invest in real estate? Congratulations! Investing in bricks and mortar remains an interesting bet when preparing your retirement. It…
Understanding the tax benefits of a rental investment
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…
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4 tips on how to avoid going broke when moving away from home
Perhaps you're leaving home to go to university, move in with your partner or simply because it's time. Congratulations! From now on, you can deck…
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Tax return: is the myTax digital assistant the ideal solution to ensure you pay the right amount of tax?
In Luxembourg and everywhere in Europe, the taxation of individuals continues to become more complex each year. Unfortunately, many taxpayers are paying the…
BHW: Save today and build tomorrow
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…
The home loan in three main steps
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…
Renovating or building a new house? This is what you should know
Home sweet home. Julien Solvi, general manager of energieagence, tells us how we can make our households more energy-efficient and gives us his five…
The Luxembourg Real Estate Market: current market prices
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?…
The Luxembourg Real Estate Market: rental investment
Spuerkeess is market leader for residential real estate loans in Luxembourg. We spoke with Michel Zimer, Vice President of Credit Process Management, and asked…
Understanding residual debt insurance!
You've probably heard of residual debt insurance. But what does it mean and do you need it?
Financial tips for twenty-year-olds: here's what you need to know
First time at university, first job, first salary, first flat... and the list goes on! Life in your twenties is exciting. Everything is new and there is a…
Luxembourg’s Real Estate Market: Spuerkeess’s added value (part III)
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…
