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…
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…
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…
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…
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…
You remember that famous letter from the Tax Administration (Administration des Contributions Directes - ACD), asking you to fill in your tax return. You…
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…
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…
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…
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…
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…
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…
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…
You've decided to invest in real estate? Congratulations! Investing in bricks and mortar remains an interesting bet when preparing your retirement. It…
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…
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…
In Luxembourg and everywhere in Europe, the taxation of individuals continues to become more complex each year. Unfortunately, many taxpayers are paying the…
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…
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…
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 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?…
Spuerkeess is market leader for residential real estate loans in Luxembourg. We spoke with Michel Zimer, Vice President of Credit Process Management, and asked…
You've probably heard of residual debt insurance. But what does it mean and do you need it?
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…
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…