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At a time of climate change and the energy crisis, renovating your home to make it more energy-efficient is now a top priority. By taking this step, you will protect the planet, make considerable savings and increase the value of your property. But how do you determine the energy performance of your home, how can you improve it and how can the bank help you? To answer all these questions, let's start with the energy performance certificate.

There are compelling financial reasons to improve the energy label of your home: It may increase the resale value.

Improving your home involves a lot of uncertainty, not least financial. Keep a close eye on your expenditure to avoid overspending, and don't overlook the many government grants available.

You're looking to buy a new car. But you're not yet sure how you're going to finance your purchase. Here are some different solutions and explanations of the traps to avoid!

Every day, in this market, banks with liquidity surplus lend to banks with demand for liquidity. An interest rate is charged for money borrowed, depending on the term of the loan (from 1 week to 12 months).

75% of Luxembourg’s residents’ state that they intend to have a Financial New Year’s Resolution. Are you one of them?

Who hasn’t experienced money problems at some time of their life? But does being occasionally broke at the end of the month mean you’re over-indebted? Of course not. Here are some tips to avoid over-indebtedness.

When you buy a property for the first time, the classic mistake is to limit yourself to the purchase price of the house and not to consider the additional costs. To avoid unpleasant surprises, here are the 6 "hidden" costs to be aware of when planning on becoming a homeowner.

In Luxembourg, real estate projects continue to flourish. Off-plan sales are part of this. What are they? How can we make sure we’re prepared? What do we need to be careful of? What are their advantages and constraints?

To become an owner or remain a tenant? The decision is never an easy one, especially in the Grand Duchy of Luxembourg where prices continually climb. Although some assets are clearly overvalued, the risk of a sharp fall in real estate prices seems unlikely in the short term. So, what should you do? Here are 3 keys to help you make the right decision.

If you want to treat yourself to a new car this year, you most probably will face the following question: should I buy or lease? To help you with your decision, we’ve compiled a list summarizing the most important aspects of both. In Luxembourg, January is synonymous with an unmissable event in the Grand Duchy: the "Autofestival". Don't miss the best period of the year to acquire a new car in Luxembourg.

It is always the same question that every one of us is asking before signing a mortgage with his bank. To gain a more objective overview, let’s analyse them one by one with their respective advantages and disadvantages.

Holiday time has come round again, a time of relaxation, rest and fun, but for some of us holidays can also be a source of stress. How can you make this highlight of the year a moment of pure relaxation and pleasure?

War in Ukraine, the economic slowdown, soaring inflation: in these uncertain times, it's not always easy to make the right decisions, especially when they concern home loans. What should you look out for if you want to become a homeowner or if you still have a loan to repay?

You have found the apartment or the house of your dreams? Perfect! But are you sure that you have tallied up all the costs involved in buying a property?

That’s it. You are ready to take the plunge. The time to own your home has finally come. Still, you need to make your first real estate purchase a success! The traps are not lacking. How to avoid unpleasant surprises? Here are some tips to follow to tip the odds ever in your favour.

Before buying a property, preparing your mortgage application properly is essential.

Whatever your plans, unless you have significant savings, there is a good chance that you will take out a loan, using the services of your bank.

Central London, Europe’s biggest property hotspot, may have been showing signs of weakening recently, but elsewhere in Europe investor enthusiasm for residential real estate remains undiminished – and that means demand for international mortgages, under more for financing secondary properties is very strong.

Accurately quantifying the cost of insurance for the remaining balance due is difficult, because in practice it is calculated on a case-by-case basis. It depends on your loan. The higher your capital to insure, the higher the premium will be.

The used car festival is here, a fantastic opportunity to get some great deals! So why not take advantage and get yourself some new wheels? Here’s how to get the best deal.

The answer depends on how long you intend to stay in Luxembourg. If you stay in the country for a short time – less than 5 years-, renting is the best option. Owning your own home in Luxembourg is very expensive and not a very profitable short-term investment such as it is in other countries, even if the Grand Duchy is facing rising pressures on the housing market.

The devil is in the detail: every cent you spend unconsciously you will have to earn twice to be able to save it!

It is not always easy to compare the borrowing terms put before you by a bank or credit institution. You can easily get lost in a sea of different and diverse offers. Which figure should you focus on?

The personal loan is a consumer loan. It can take two main forms, that of an investment for the realization of a project (acqusition, renovation, and much more), but also to cope unforeseen expenses, while the real estate loan differs from the personal loan by its object and by its operation. Learn more in this article.

Facing temporary or lasting difficulties, you have to take certain measures if you don’t want that things are getting worse in the forthcoming weeks and months.

The answer depends on several parameters specific to your personal circumstances. Nevertheless, here are several factors to help you make the right choice before taking out a mortgage from your bank.

Often you hear people say: “Anyway, until I have paid off my mortgage it’s the bank who owns my house”. But is it true?

You have probably asked yourself this question when applying for a loan from your bank. The rate offered by your bank was quite different from the rate at which your bank can borrow from the European Central Bank (ECB).

Here is a quick overview of the steps to complet before you can start emjoying your new home and getting to know your new neighbours.