A broker is an intermediary between a financial institution and an individual wishing to take out a loan to finance the purchase of a property.

After a study of the customer's personal situation and financial capacity, the broker prepares the application and undertakes to find the best conditions and rates from partner banks.

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The interest rate is the remuneration for a loan of money made by one economic agent to another.

The sum borrowed is called the capital. The sum to be repaid is therefore the capital plus interest.

The interest rate is a rate used to calculate the interest on a loan.

Yes, there are 2 types of rate:

Fixed-rate loan: This is a loan where the interest rate does not vary throughout the term of the loan. The quid pro quo for this security is usually a slightly higher rate than the variable rate.

Variable-rate loan: this is a loan interest rate that can vary during the term of the loan, either upwards or downwards, depending on changes in the index used in the loan contract.

This is a rate that is fixed for a certain period and at the end of that period must be reviewed by the customer and the bank. The decision is taken by the customer and the bank whether to continue with a fixed rate for a given period or a variable rate for the same period. In general, if the customer does not come forward, the fixed rate is tacitly renewed for the same period as at the start.

This is the sum that the future owner is prepared to inject on his own or that the bank may require, in which case it will be a criterion for validating the loan.

The amount remaining to be paid once the monthly instalments already paid have been deducted. This is the amount to be paid first to repay the capital.

Represents the maximum amount that a potential borrower can obtain from a credit institution based on their income.

 To get the best rate, it's essential to compare multiple bank offers. A mortgage broker helps you negotiate with several institutions to secure favorable conditions. Your financial profile (income, down payment, job stability) also influences the proposed rate. The stronger your application, the more room you have to negotiate.

 Yes, loan refinancing is a viable option in Luxembourg. It allows you to consolidate multiple loans into one or renegotiate an existing loan to benefit from a lower rate. This can reduce your monthly payments or the total repayment period. A broker can assess the opportunity for refinancing based on your current situation, free of charge.

Luxembourg offers several aids for first-time buyers:

• Tax credit (Bëllegen Akt) of €40,000 per person,
• Acquisition bonus aid,
• Interest subsidy, ​
• State guarantee for young households,
• - Fonds du Logement and SNHBM for affordable housing.

These aids depend on income and the nature of the property. A broker can help clarify eligibility and prepare your application.

Yes, renegotiating your mortgage is a smart option if rates have dropped since you signed your contract. It can reduce your monthly payments, shorten the loan term, or adjust your conditions. Two options exist: renegotiation with your current bank or refinancing through another institution. A broker can analyze your situation and simulate potential savings.

Yes, several options exist to finance renovation, expansion, or energy efficiency improvements:

• Standard renovation loan,
• Personal loan dedicated to works,
• Extension of your existing mortgage,
• - Green loan or reduced-rate loan (for energy renovations).

A broker can guide you to the most advantageous solution based on the cost, type of work, and your long-term goals.