Home loan with Spuerkeess

The Spuerkeess Home Loan

The ideal solution to finance the purchase of a house, an apartment or the acquisition of land. It’s also perfectly suited if you want to build or renovate your home.

Simulate your housing loan

How can we help?

I don't have a concret project yet but I would like to know my borrowing capacity.

I am launching a concrete project and I would like to assess the feasibility of my housing project.

I have found my dream home and I would like to finance it.

Ensure you are well informed before initiating your project

Explanatory videos, simulators, tips and advice are waiting for you on our website in our new Knowledge Centre. Benefit from the expertise of our advisors before even launching your project.

Wondering how to proceed to get a real estate loan?


1. Calculate your budget

The budget calculator helps you answer basic questions about the start of your real estate project. Get an initial estimate of your budget with our budget tool.

My budget estimation

2. Make your project a reality

With your budget estimation you can now start searching for properties. Our partner VIVI has a large number of exclusive properties in Luxembourg.

Find your property on VIVI

3. Establish your financing plan

Have you found a property that suits you? Perfect, with this concrete project in mind you are now able to establish your financing plan online. A financing plan gives you a detailed overview of all costs to be expected for your acquisition.

Construire mon plan de financement

4. Simulate your monthly payments

With your financing plan in hand you now know exactly how much you need to borrow to become a homeowner. It’s time to calculate your monthly installments and to apply for your loan with our online advisors.

Simulate my monthly payments

5. Request your loan

Are you already set to apply for a loan? Access the online application now!

Apply for my loan

Comprehensive advice: aid & financing advice

A comprehensive and tailor-made quality advice must take into account all financial aid to be received.

Discover the subsidies from the State, your municipality and the energy suppliers to help you make your project a success.

Your project is taking shape? Let's calculate together the financing cost of your project!

min. 5.000 € - max. 10.000.000 €
Loan term


Nominal rate


Monthly instalment



Amount of the loan
Nominal rate
5,70 %
Monthly instalment
Annual Percentage Rate 
5,88 %
This simulation gives you an estimate of the monthly payments and is not binding on Spuerkeess in any way whatsoever. For a specific quotation, please contact one of our branches or fill in your online request.

Why choose Spuerkeess for your home loan?

Support throughout your administrative procedures
Support throughout your administrative procedures
Your dedicated advisor accompanies you from A to Z in the administrative procedures for your home loan.
The insurances
The insurances
Thanks to our partner Lalux Assurances, we can offer you all the insurances you need for your real estate project.
Zebra Premium
Zebra Premium
With Zebra Premium, benefit from a 25% discount on the commission of your home loan.

Have a look at our guide to housing loans:

Brochure "Guide to Housing Loans"

Brochure "Guide to Housing Loans"

Are you planning to build, buy or renovate/refurbish a home? Such a project is a considerable investment that requires careful preparation and a trustworthy financial partner. Depending on the nature of your project and on your personal situation, various financing solutions are open to you. Our advisors are at your disposal to develop, with you, a tailor-made financing plan perfectly suited to your needs.
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Fast-track your way to your new home