{"id":2270,"date":"2017-09-11T14:36:40","date_gmt":"2017-09-11T12:36:40","guid":{"rendered":"https:\/\/my-life.lu\/?p=2270\/"},"modified":"2025-08-27T14:33:28","modified_gmt":"2025-08-27T12:33:28","slug":"preparing-your-mortgage-application-10019","status":"publish","type":"post","link":"https:\/\/my-life.lu\/en\/preparing-your-mortgage-application-10019\/","title":{"rendered":"Preparing your mortgage application"},"content":{"rendered":"<p class=\"entete\">For many families, owning a home is an important life goal \u2013 one that usually requires a mortgage. How do you go about preparing your application?<\/p>\n<p>Property is a serious long-term investment that requires a reliable financial partner to help you analyse your financial situation. Before applying for a loan, it is crucial that you are aware of all the factors that need to be taken into account when determining which mortgage arrangement best suits your needs. Have you decided to apply for a mortgage? Follow our guide!<\/p>\n<h2 id=\"h2_0\" >Types of loan, duration and monthly repayments<\/h2>\n<p>There are <a href=\"https:\/\/my-life.lu\/en\/fixed-and-variable-rate-mortgages-10030\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\"><strong>three main types of loan<\/strong><\/span><\/a>, each with their pros and cons.<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li><strong>Fixed-rate loan<\/strong>. You repay your loan in predetermined, equal instalments throughout the duration of your mortgage, independent of financial market fluctuations. You therefore avoid any hidden surprises if interest rates rise. Naturally, this deal is very popular when interest rates are low.<\/li>\n<li><strong>Variable-rate loan<\/strong>. Interest rate fluctuations on the financial markets \u2013 whether upward or downward \u2013 affect your monthly repayments. If the rate offered when you take out the loan is competitive, this arrangement carries the risk of your mortgage becoming more expensive if interest rates rise. This would result in your monthly repayments and\/or the duration of your loan being increased. When interest rates are very low, the risk of this happening later is high.<\/li>\n<li><strong>Adjustable-rate loan<\/strong>. This option allows you to keep a fixed rate of interest over two, three, five or ten years. At the end of this period, a new variable, fixed or adjustable interest rate is set.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>No matter the type selected, repayments can in theory be spread over a period of up to 40 years. In practice, however, the loan term depends on your age and monthly budget. The amount of monthly loan repayments for a household should generally not exceed a third of its permanent income. More than a percentage, what really needs to be considered is what is known as the \u2018disposal income\u2019, i.e. what allows you to cover your essential living expenses (food, transport, etc.). It is essential that you consult your banker to determine a monthly payment amount that is in line with your income and what you are able to pay.<\/p>\n<h2 id=\"h2_1\" >Loan guarantees<\/h2>\n<p>Your bank will usually require four types of guarantee:<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li><a href=\"https:\/\/my-life.lu\/en\/what-is-credit-protection-insurance-10032\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\"><strong>mortgage protection insurance<\/strong><\/span><\/a>. This serves to protect your loved ones. If you die, the insurer covers the repayment of the capital outstanding to the lending institution.<\/li>\n<li><strong>mortgage<\/strong>.\u00a0The lender has a right to physical collateral, which is limited to your real estate property.<\/li>\n<li><strong>wage assignment<\/strong>. You authorise the bank to contact your employer if you were to default on your monthly repayments.<\/li>\n<li><strong>joint and several guarantee<\/strong>. A third party undertakes to repay the debt if you default.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<blockquote><p>Faced with the rising cost of housing, Luxembourg legislation has introduced a series of tax incentives to promote homeownership.<\/p><\/blockquote>\n<h2 id=\"h2_2\" >Tax benefits and state support<\/h2>\n<p>Faced with the rising cost of housing, Luxembourg legislation has introduced a series of tax incentives to promote homeownership. Alongside these measures, the Luxembourg government has established various incentives for the construction, acquisition, renovation and conversion of housing by individuals. For a summary of all these incentives, see the article entitled <a href=\"https:\/\/my-life.lu\/en\/homeowners-what-support-is-available-for-you-12017\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\"><strong>Homeowners: what support is available for you?<\/strong><\/span><\/a><\/p>\n<p>To find out more, contact your bank directly or visit <span style=\"text-decoration: underline;\"><strong><a href=\"https:\/\/guichet.public.lu\/en\/citoyens.html\" target=\"_blank\" rel=\"noopener\">Guichet.lu<\/a><\/strong><\/span>.<\/p>\n<h2 id=\"h2_3\" >Documents to provide when you submit your mortgage application<\/h2>\n<p>When you apply for a mortgage, your bank will generally ask for the following documents:<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>the preliminary sale agreement and the draft or final notarised deed;<\/li>\n<li>land registry extract;<\/li>\n<li>proof of funds (if they are not held at the bank in question);<\/li>\n<li>details of existing loans;<\/li>\n<li>your most recent pay slips;<\/li>\n<li>any other documents required to open your account and approve the funding sought.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>The following documents will also be required in the case of new construction or renovation projects:<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>planning permission;<\/li>\n<li>building plans;<\/li>\n<li>photos of the property (inside and outside) in the case of renovation work;<\/li>\n<li>plan, specifications or quotes in the case of a new-build.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>Come prepared, you have everything to gain and nothing to lose.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>For many families, owning a home is an important life goal \u2013 one that usually requires a mortgage. How do you go about preparing your application? Property is a serious long-term investment that requires a reliable financial partner to help you analyse your financial situation. Before applying for a loan, it is crucial that you &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/my-life.lu\/en\/preparing-your-mortgage-application-10019\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Preparing your mortgage application&#8221;<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":4454,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":"","beyondwords_generate_audio":"1","beyondwords_integration_method":"","beyondwords_project_id":"44704","beyondwords_content_id":"5b84036e-b5b7-4a16-ab7d-f369a2781b5f","beyondwords_preview_token":"ccf82491-005f-48be-84a0-643a27ab93e5","beyondwords_player_content":"","beyondwords_player_style":"standard","beyondwords_language_code":"en_GB","beyondwords_language_id":"50","beyondwords_title_voice_id":"492","beyondwords_body_voice_id":"492","beyondwords_summary_voice_id":"492","beyondwords_error_message":"","beyondwords_disabled":"","beyondwords_delete_content":"","beyondwords_podcast_id":"5b84036e-b5b7-4a16-ab7d-f369a2781b5f","beyondwords_hash":"","publish_post_to_speechkit":"","speechkit_hash":"","speechkit_generate_audio":"","speechkit_project_id":"","speechkit_podcast_id":"","speechkit_error_message":"","speechkit_disabled":"","speechkit_access_key":"","speechkit_error":"","speechkit_info":"","speechkit_response":"","speechkit_retries":"","speechkit_status":"","speechkit_updated_at":"","_speechkit_link":"","_speechkit_text":""},"categories":[176,11,188,182],"tags":[400,401,572,574],"class_list":["post-2270","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-purchase-en","category-myhome-en","category-investment-en","category-help-and-support-en","tag-investment","tag-purchase","tag-help-and-support","tag-homeloan","my_home"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Preparing your mortgage application - myLIFE<\/title>\n<meta name=\"description\" content=\"What do you need to know before applying for a mortgage? myLIFE offers advice to help you prepare your mortgage application.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/my-life.lu\/en\/preparing-your-mortgage-application-10019\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Preparing your mortgage application\" \/>\n<meta property=\"og:description\" content=\"What do you need to know before applying for a mortgage? myLIFE offers advice to help you prepare your mortgage application.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/my-life.lu\/en\/preparing-your-mortgage-application-10019\/\" \/>\n<meta property=\"og:site_name\" content=\"myLIFE\" \/>\n<meta property=\"article:published_time\" content=\"2017-09-11T12:36:40+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-08-27T12:33:28+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/my-life.lu\/wp-content\/uploads\/2017\/09\/Article_10019.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1508\" \/>\n\t<meta property=\"og:image:height\" content=\"1988\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Compiled by myLIFE team\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Compiled by myLIFE team\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/my-life.lu\\\/en\\\/preparing-your-mortgage-application-10019\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/my-life.lu\\\/en\\\/preparing-your-mortgage-application-10019\\\/\"},\"author\":{\"name\":\"Compiled by myLIFE team\",\"@id\":\"https:\\\/\\\/my-life.lu\\\/en\\\/#\\\/schema\\\/person\\\/224f7e554674eb9534cbab8498cd369b\"},\"headline\":\"Preparing your mortgage application\",\"datePublished\":\"2017-09-11T12:36:40+00:00\",\"dateModified\":\"2025-08-27T12:33:28+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/my-life.lu\\\/en\\\/preparing-your-mortgage-application-10019\\\/\"},\"wordCount\":682,\"publisher\":{\"@id\":\"https:\\\/\\\/my-life.lu\\\/en\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/my-life.lu\\\/en\\\/preparing-your-mortgage-application-10019\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/my-life.lu\\\/wp-content\\\/uploads\\\/2017\\\/09\\\/Article_10019.jpg\",\"keywords\":[\"Investment\",\"Purchase\",\"Help and support\",\"Homeloan\"],\"articleSection\":[\"Purchase\",\"myHOME\",\"Investment\",\"Help and support\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/my-life.lu\\\/en\\\/preparing-your-mortgage-application-10019\\\/\",\"url\":\"https:\\\/\\\/my-life.lu\\\/en\\\/preparing-your-mortgage-application-10019\\\/\",\"name\":\"Preparing your mortgage application - myLIFE\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/my-life.lu\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/my-life.lu\\\/en\\\/preparing-your-mortgage-application-10019\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/my-life.lu\\\/en\\\/preparing-your-mortgage-application-10019\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/my-life.lu\\\/wp-content\\\/uploads\\\/2017\\\/09\\\/Article_10019.jpg\",\"datePublished\":\"2017-09-11T12:36:40+00:00\",\"dateModified\":\"2025-08-27T12:33:28+00:00\",\"description\":\"What do you need to know before applying for a mortgage? 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