{"id":9189,"date":"2023-11-19T13:10:34","date_gmt":"2023-11-19T12:10:34","guid":{"rendered":"https:\/\/www.fidem.lu\/eigenkapital\/"},"modified":"2024-02-24T14:19:08","modified_gmt":"2024-02-24T13:19:08","slug":"fonds-propres","status":"publish","type":"page","link":"https:\/\/www.fidem.lu\/fr\/fonds-propres\/","title":{"rendered":"Fonds Propres"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"9189\" class=\"elementor elementor-9189\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-100490d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"100490d\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3546eed\" data-id=\"3546eed\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-c21cd7c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c21cd7c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-d8f12a5 elementor-invisible\" data-id=\"d8f12a5\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-280b726 textBreakOverflow elementor-widget elementor-widget-heading\" data-id=\"280b726\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Fonds propres pour les financements immobiliers<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a79355 divider-blue elementor-widget-divider--view-line elementor-invisible elementor-widget elementor-widget-divider\" data-id=\"4a79355\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-756ab70 elementor-widget elementor-widget-heading\" data-id=\"756ab70\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Quel est l\u2019apport n\u00e9cessaire pour mon financement immobilier au Luxembourg ? Et comment calculer mes frais d'acquisition ?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d3bd80 elementor-widget elementor-widget-text-editor\" data-id=\"5d3bd80\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">Lorsqu&rsquo;une question implique de nombreuses variables, la r\u00e9ponse est souvent \u00ab\u00a0\u00e7a d\u00e9pend\u00a0\u00bb. Le calcul de l\u2019apport en fonds propres minimal ou de l\u2018apport optimal pour une acquisition immobili\u00e8re ne fait pas exception \u00e0 cette r\u00e8gle.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-cd1cab7 elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"cd1cab7\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ca984bb\" data-id=\"ca984bb\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-e5a90e2 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"e5a90e2\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-4aa1742 elementor-invisible\" data-id=\"4aa1742\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-91350a7 elementor-widget elementor-widget-image\" data-id=\"91350a7\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-idea-bluegrey-filled-white-300px.png\" class=\"attachment-large size-large wp-image-8895\" alt=\"\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-idea-bluegrey-filled-white-300px.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-idea-bluegrey-filled-white-300px-150x150.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-8bc2ab1 elementor-invisible\" data-id=\"8bc2ab1\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-63a63b8 elementor-widget elementor-widget-heading\" data-id=\"63a63b8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Apport en fonds propres<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-863304d elementor-widget elementor-widget-text-editor\" data-id=\"863304d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Au Luxembourg, les frais li\u00e9s \u00e0 l&rsquo;acquisition d\u2019un bien immobilier doivent \u00eatre couverts par l\u2019\u00e9pargne des acqu\u00e9reurs. N\u2019\u00e9tant pas inclus dans la valorisation du bien, les banques ne financent pas ces frais d&rsquo;acquisition. Selon les profils des acheteurs, ils peuvent b\u00e9n\u00e9ficier du cr\u00e9dit d\u2019imp\u00f4t sur actes notari\u00e9s \u201cB\u00ebllegen Akt\u201d permettant de r\u00e9duire significativement les frais d&rsquo;acquisition par rapport \u00e0 la Belgique, la France et l&rsquo;Allemagne.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a17d05 elementor-widget elementor-widget-heading\" data-id=\"7a17d05\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Frais d'acquisition et frais applicables<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0715aad elementor-widget elementor-widget-text-editor\" data-id=\"0715aad\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Les frais d&rsquo;acquisition comprennent principalement les frais de notaire pour l&rsquo;acte d&rsquo;achat du bien immobilier, l&rsquo;acte d&rsquo;hypoth\u00e8que, les droits d&rsquo;enregistrement applicables, \u00e9ventuellement les primes d&rsquo;assurance solde restant d\u00fb, et enfin les frais bancaires.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2261730 blog-bubbleMidBlueLeftBG-580px-resize elementor-hidden-desktop elementor-hidden-tablet elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"2261730\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-20bbf90\" data-id=\"20bbf90\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-d6ef29a elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"d6ef29a\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-3b554b9 elementor-invisible\" data-id=\"3b554b9\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6411c71 elementor-widget elementor-widget-image\" data-id=\"6411c71\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-idea-bluegrey-filled-white-300px.png\" class=\"attachment-large size-large wp-image-8895\" alt=\"\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-idea-bluegrey-filled-white-300px.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-idea-bluegrey-filled-white-300px-150x150.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d4b5ccb elementor-hidden-desktop elementor-hidden-tablet elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"d4b5ccb\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e954742 elementor-invisible\" data-id=\"e954742\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9958d54 elementor-widget elementor-widget-heading\" data-id=\"9958d54\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Apport en fonds propres<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ae4521b elementor-widget elementor-widget-text-editor\" data-id=\"ae4521b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Au Luxembourg, les frais li\u00e9s \u00e0 l&rsquo;acquisition d\u2019un bien immobilier doivent \u00eatre couverts par l\u2019\u00e9pargne des acqu\u00e9reurs. N\u2019\u00e9tant pas inclus dans la valorisation du bien, les banques ne financent pas ces frais d&rsquo;acquisition. Selon les profils des acheteurs, ils peuvent b\u00e9n\u00e9ficier du cr\u00e9dit d\u2019imp\u00f4t sur actes notari\u00e9s \u201cB\u00ebllegen Akt\u201d permettant de r\u00e9duire significativement les frais d&rsquo;acquisition par rapport \u00e0 la Belgique, la France et l&rsquo;Allemagne.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ec9185 elementor-widget elementor-widget-heading\" data-id=\"1ec9185\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Frais d'acquisition et frais applicables<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cd2566f elementor-widget elementor-widget-text-editor\" data-id=\"cd2566f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Les frais d&rsquo;acquisition comprennent principalement les frais de notaire pour l&rsquo;acte d&rsquo;achat du bien immobilier, l&rsquo;acte d&rsquo;hypoth\u00e8que, les droits d&rsquo;enregistrement applicables, \u00e9ventuellement les primes d&rsquo;assurance solde restant d\u00fb, et enfin les frais bancaires.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c52c272 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c52c272\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-886a09f\" data-id=\"886a09f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-e5f1cbf elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e5f1cbf\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-b472e4f elementor-invisible\" data-id=\"b472e4f\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d7ae62d elementor-widget elementor-widget-heading\" data-id=\"d7ae62d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Les frais de notaire comprennent deux actes<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-386dfb1 elementor-widget elementor-widget-heading\" data-id=\"386dfb1\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">\" Acte de Vente \"<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e0e052 elementor-widget elementor-widget-text-editor\" data-id=\"7e0e052\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Ce premier acte transf\u00e8re la propri\u00e9t\u00e9 du bien du vendeur \u00e0 l&rsquo;acheteur.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-604fbb0 elementor-widget elementor-widget-heading\" data-id=\"604fbb0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">\" Acte hypoth\u00e9caire \"<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a64003 elementor-widget elementor-widget-text-editor\" data-id=\"1a64003\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Il donne une garantie \u00e0 la banque pour l\u2019emprunt accord\u00e9. Si le propri\u00e9taire est en d\u00e9faut de paiement, la banque peut l\u00e9galement forcer la vente de ce bien pour r\u00e9cup\u00e9rer le montant d\u00fb.<\/p><p>Les frais de notaire applicables sont calcul\u00e9s par le notaire d\u00e9sign\u00e9, donc \u00ab\u00a0\u00e7a d\u00e9pend\u00a0\u00bb du prix d&rsquo;achat et du montant du pr\u00eat. Ainsi, ils sont g\u00e9n\u00e9ralement estim\u00e9s entre 5.000 EUR et 10.000 EUR.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-3fa7bb7 elementor-invisible\" data-id=\"3fa7bb7\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-23995ce elementor-widget elementor-widget-image\" data-id=\"23995ce\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/notary-contract-white-300px.png\" class=\"attachment-large size-large wp-image-9105\" alt=\"Notarvertrag\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/notary-contract-white-300px.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/notary-contract-white-300px-150x150.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-23d38dd elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"23d38dd\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-99f3002 elementor-invisible\" data-id=\"99f3002\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-75889b9 elementor-widget elementor-widget-image\" data-id=\"75889b9\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/magnifying-glass-white-300px-1.png\" class=\"attachment-large size-large wp-image-8874\" alt=\"Lupe\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/magnifying-glass-white-300px-1.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/magnifying-glass-white-300px-1-150x150.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-42b1715 elementor-invisible\" data-id=\"42b1715\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b5c8201 elementor-widget elementor-widget-heading\" data-id=\"b5c8201\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Droits d'enregistrement<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0d1b7f2 elementor-widget elementor-widget-heading\" data-id=\"0d1b7f2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Propri\u00e9t\u00e9 existante<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-83e8ad6 elementor-widget elementor-widget-text-editor\" data-id=\"83e8ad6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Le notaire doit comptabiliser 7 % de droits d&rsquo;enregistrement sur le prix d&rsquo;achat pour les biens immobiliers existants.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8f1d114 elementor-widget elementor-widget-heading\" data-id=\"8f1d114\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Nouvelle construction (VEFA)<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bc440d1 elementor-widget elementor-widget-text-editor\" data-id=\"bc440d1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Pour les nouvelles constructions, les droits d&rsquo;enregistrement sont calcul\u00e9s sur la valeur du terrain (\u00ab\u00a0Quote-part terrain\u00a0\u00bb). Si la construction a d\u00e9j\u00e0 commenc\u00e9, le calcul doit int\u00e9grer la valeur construite de l&rsquo;immeuble au moment de l&rsquo;acte notari\u00e9. (Article VEFA &amp; EXIST)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-709fee7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"709fee7\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5f21c03\" data-id=\"5f21c03\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-de7bbaf elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"de7bbaf\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-01bdb7c elementor-invisible\" data-id=\"01bdb7c\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fc8af24 elementor-widget elementor-widget-heading\" data-id=\"fc8af24\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Cr\u00e9dit d'imp\u00f4t - Bell\u00ebgen Akt<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3fbb8f8 elementor-widget elementor-widget-text-editor\" data-id=\"3fbb8f8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Les autorit\u00e9s luxembourgeoises ont augment\u00e9 l&rsquo;abattement fiscal r\u00e9duisant les droits d&rsquo;enregistrement dus pour tout acte sign\u00e9 \u00e0 partir du 7 mars 2023. Jusqu&rsquo;\u00e0 cette date, ce cr\u00e9dit d&rsquo;imp\u00f4t, Bell\u00ebgen Akt, de 20.000 EUR \u00e9tait applicable pour la premi\u00e8re acquisition d&rsquo;une r\u00e9sidence principale. Ce cr\u00e9dit d&rsquo;imp\u00f4t est d\u00e9sormais port\u00e9 \u00e0 30.000 EUR par acqu\u00e9reur, et reste soumis \u00e0 des conditions d&rsquo;occupation effective \u00e0 titre de r\u00e9sidence principale.<\/p><p>V\u00e9rifiez votre cr\u00e9dit d&rsquo;imp\u00f4t Bell\u00ebgen Akt existant sur <a href=\"https:\/\/guichet.public.lu\/fr\/myguichet.html\" target=\"_blank\" rel=\"noopener\">MyGuichet.lu<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-914f1ca elementor-widget elementor-widget-heading\" data-id=\"914f1ca\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Obligations de l'acheteur<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8a3b0c4 elementor-widget elementor-widget-text-editor\" data-id=\"8a3b0c4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Les principales obligations de l&rsquo;acheteur sont d&rsquo;occuper effectivement et personnellement le bien acquis dans un d\u00e9lai de 2 ans \u00e0 compter de la date de l&rsquo;acte notari\u00e9 d&rsquo;acquisition, ou dans un d\u00e9lai de 4 ans s&rsquo;il s&rsquo;agit d&rsquo;un terrain \u00e0 b\u00e2tir ou d&rsquo;un immeuble en construction et alors avec une occupation effective d&rsquo;au moins 2 ans.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-ba4ae94 elementor-invisible\" data-id=\"ba4ae94\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9bb21b5 elementor-widget elementor-widget-image\" data-id=\"9bb21b5\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/tax-discount-bluegrey-300px-1.png\" class=\"attachment-large size-large wp-image-9132\" alt=\"\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/tax-discount-bluegrey-300px-1.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/tax-discount-bluegrey-300px-1-150x150.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-04252d0 elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"04252d0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-a65d8c8 elementor-invisible\" data-id=\"a65d8c8\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9752470 elementor-widget elementor-widget-image\" data-id=\"9752470\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/money-transfer-bluegrey-300px.png\" class=\"attachment-large size-large wp-image-9114\" alt=\"Geldtransfer\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/money-transfer-bluegrey-300px.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/money-transfer-bluegrey-300px-150x150.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-57cc499 elementor-invisible\" data-id=\"57cc499\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ed7c2c7 elementor-widget elementor-widget-heading\" data-id=\"ed7c2c7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Droits d'enregistrement minimums<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b0fc85c elementor-widget elementor-widget-text-editor\" data-id=\"b0fc85c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Si le total des droits d&rsquo;enregistrement dus est inf\u00e9rieur au cr\u00e9dit d&rsquo;imp\u00f4t disponible, le montant minimum d\u00fb est de 100 EUR.<\/p><p>En cas de cr\u00e9dit d&rsquo;imp\u00f4t non utilis\u00e9 apr\u00e8s la premi\u00e8re acquisition, le montant restant est disponible pour l&rsquo;acquisition suivante d&rsquo;une r\u00e9sidence principale au Luxembourg.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b0a6138 elementor-widget elementor-widget-heading\" data-id=\"b0a6138\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Remboursement du cr\u00e9dit d'imp\u00f4t<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0254bfe elementor-widget elementor-widget-text-editor\" data-id=\"0254bfe\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tL&rsquo;acqu\u00e9reur doit rembourser le cr\u00e9dit d&rsquo;imp\u00f4t dans son int\u00e9gralit\u00e9, major\u00e9 des int\u00e9r\u00eats l\u00e9gaux applicables, s&rsquo;il loue totalement ou partiellement l&rsquo;immeuble, s&rsquo;il le c\u00e8de ou s&rsquo;il change de domicile l\u00e9gal avant l&rsquo;expiration de la p\u00e9riode d&rsquo;occupation de 2 ans.\n\nPour plus de d\u00e9tails, veuillez nous contacter et vous pouvez consulter les sources officielles suivantes :<br><br>\n<ul>\n \t<li>Administration des droits d&rsquo;enregistrement, des domaines et de la TVA : <a href=\"https:\/\/pfi.public.lu\/fr\/citoyen\/enregistrement\/credit-impot.html\" target=\"_blank\" rel=\"noopener\">https:\/\/pfi.public.lu\/fr\/citoyen\/enregistrement\/credit-impot.html<\/a><\/li>\n<\/ul>\n<br>\n<ul>\n \t<li>lu : <a href=\"https:\/\/guichet.public.lu\/fr\/citoyens\/logement\/acquisition\/aides-indirectes\/credit-impot-actes-notaries.html\" target=\"_blank\" rel=\"noopener\">https:\/\/guichet.public.lu\/fr\/citoyens\/logement\/acquisition\/aides-indirectes\/credit-impot-actes-notaries.html<\/a><\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-a6a42c8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a6a42c8\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-1afa599 elementor-invisible\" data-id=\"1afa599\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8f4cbab elementor-widget elementor-widget-heading\" data-id=\"8f4cbab\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Assurance Solde Restant D\u00fb (ASRD)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9ef4f88 elementor-widget elementor-widget-text-editor\" data-id=\"9ef4f88\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>L&rsquo;assurance-vie hypoth\u00e9caire, \u00e9galement connue sous le nom d&rsquo;assurance solde restant d\u00fb, est un type d&rsquo;assurance qui verse une indemnit\u00e9 si vous d\u00e9c\u00e9dez avant d&rsquo;avoir fini de rembourser votre pr\u00eat hypoth\u00e9caire. La police peut \u00eatre \u00e9tendue \u00e0 l&rsquo;invalidit\u00e9 partielle ou totale, ce qui augmente le montant de la prime.<\/p><p>L&rsquo;objectif principal de ce type d&rsquo;assurance est de prot\u00e9ger le m\u00e9nage et les b\u00e9n\u00e9ficiaires d&rsquo;une vente forc\u00e9e r\u00e9sultant de versements trop \u00e9lev\u00e9s \u00e0 couvrir apr\u00e8s le d\u00e9c\u00e8s ou l&rsquo;invalidit\u00e9 totale de l&rsquo;une des personnes couvertes.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-61be088 elementor-widget elementor-widget-heading\" data-id=\"61be088\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Exigences des banques<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1fee9b5 elementor-widget elementor-widget-text-editor\" data-id=\"1fee9b5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Lors de la n\u00e9gociation d&rsquo;un nouveau contrat de pr\u00eat, les banques sp\u00e9cifient leurs conditions minimales requises en mati\u00e8re d&rsquo;assurance en fonction de leurs \u00e9valuations et politiques internes en mati\u00e8re de risque de pr\u00eat, ce qui explique qu&rsquo;elles varient d&rsquo;une banque \u00e0 l&rsquo;autre.<\/p><p>Dans certains cas, les banques n&rsquo;exigeront aucune assurance-vie hypoth\u00e9caire, par exemple lorsque les emprunteurs poss\u00e8dent d\u00e9j\u00e0 un important patrimoine immobilier et financier, ou lorsque le montant du pr\u00eat est marginal par rapport \u00e0 la valeur du bien immobilier, ou encore si chaque emprunteur peut supporter seul le remboursement des mensualit\u00e9s existantes.<\/p><p>Les polices d&rsquo;assurance-vie existantes peuvent \u00e9galement \u00eatre utilis\u00e9es comme garantie, sous r\u00e9serve des conditions de la police d&rsquo;assurance et de l&rsquo;approbation de la banque.<\/p><p>Pour prot\u00e9ger les membres de la famille et les b\u00e9n\u00e9ficiaires, il est important d&rsquo;\u00e9valuer si les exigences de la banque sont conformes \u00e0 la couverture souhait\u00e9e en cas d&rsquo;\u00e9v\u00e9nements inattendus.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-1703e3a elementor-invisible\" data-id=\"1703e3a\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c4784ee elementor-widget elementor-widget-image\" data-id=\"c4784ee\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/bank-bluegrey-300px.png\" class=\"attachment-large size-large wp-image-8853\" alt=\"\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/bank-bluegrey-300px.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/bank-bluegrey-300px-150x150.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-c732198 elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c732198\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-0c9192a elementor-invisible\" data-id=\"0c9192a\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9887b2a elementor-widget elementor-widget-image\" data-id=\"9887b2a\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/calculate-budget-300px.png\" class=\"attachment-large size-large wp-image-9108\" alt=\"\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/calculate-budget-300px.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/calculate-budget-300px-150x150.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-59231d9 elementor-invisible\" data-id=\"59231d9\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1276b9a elementor-widget elementor-widget-heading\" data-id=\"1276b9a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Calcul de la prime <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-998933a elementor-widget elementor-widget-text-editor\" data-id=\"998933a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Les primes sont calcul\u00e9es en fonction de l&rsquo;\u00e2ge de l&#8217;emprunteur, des caract\u00e9ristiques du pr\u00eat (montant, int\u00e9r\u00eat et dur\u00e9e) et peuvent varier en fonction des facteurs de couverture choisis comme le pourcentage du montant total du pr\u00eat (0 % \u00e0 100 %) et la dur\u00e9e, par exemple une couverture de 20 ans sur un contrat de pr\u00eat de 30 ans.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1bac9b2 elementor-widget elementor-widget-heading\" data-id=\"1bac9b2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Frais et d\u00e9ductibilit\u00e9 fiscale <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-be21b87 elementor-widget elementor-widget-text-editor\" data-id=\"be21b87\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Les deux principales options de paiement des primes d&rsquo;assurance sont la prime unique et la prime p\u00e9riodique.<\/p><p>La prime unique est l\u00e9g\u00e8rement plus avantageuse et b\u00e9n\u00e9ficie d&rsquo;une d\u00e9ductibilit\u00e9 fiscale sp\u00e9cifique d\u00e9crite ci-dessous :<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-9db9891 elementor-widget elementor-widget-html\" data-id=\"9db9891\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style type=\"text\/css\">\r\n.tg  {border-collapse:collapse;border-spacing:0;margin:0px auto;}\r\n.tg td{border-color:#1D252D;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:18px;\r\n  overflow:hidden;padding:10px 5px;word-break:normal;}\r\n.tg th{border-color:#1D252D;border-style:solid;border-width:1px;font-family:Arial, sans-serif;font-size:18px;\r\n  font-weight:normal;overflow:hidden;padding:10px 5px;word-break:normal;}\r\n.tg .tg-0ywr{background-color:#9ac5d4;border-color:#1D252D;text-align:left;vertical-align:top;line-height:1.2}\r\n.tg .tg-0pky{border-color:#1D252D;text-align:left;vertical-align:top;line-height:1.2}\r\n@media screen and (max-width: 767px) {.tg {width: auto !important;}.tg col {width: auto !important;}.tg-wrap {overflow-x: auto;-webkit-overflow-scrolling: touch;margin: auto 0px;}}<\/style>\r\n<div class=\"tg-wrap\"><table class=\"tg\">\r\n<thead>\r\n  <tr>\r\n    <th class=\"tg-0ywr\"><b><br>D\u00e9ductibilit\u00e9 en fonction de l'\u00e2ge<\/b><\/th>\r\n    <th class=\"tg-0ywr\"><b><br>Jusqu\u2019\u00e0 30 ans <\/b><\/th>\r\n    <th class=\"tg-0ywr\"><b><br>De 31 ans \u00e0  49 ans <\/b><\/th>\r\n    <th class=\"tg-0ywr\"><b><br>50 ans et plus<\/b><\/th>\r\n  <\/tr>\r\n<\/thead>\r\n<tbody>\r\n  <tr>\r\n    <td class=\"tg-0pky\">&nbsp;&nbsp;&nbsp;<br>Sans enfant&nbsp;&nbsp;&nbsp;<\/td>\r\n    <td class=\"tg-0pky\">&nbsp;&nbsp;&nbsp;<br>6.000 EUR&nbsp;&nbsp;&nbsp;<\/td>\r\n    <td class=\"tg-0pky\">&nbsp;&nbsp;&nbsp;<br>480 EUR&nbsp;&nbsp;&nbsp;<\/td>\r\n    <td class=\"tg-0pky\">&nbsp;&nbsp;&nbsp;<br>15.600 EUR&nbsp;&nbsp;&nbsp;<\/td>\r\n  <\/tr>\r\n  <tr>\r\n    <td class=\"tg-0pky\">&nbsp;&nbsp;&nbsp;<br>Par enfant&nbsp;&nbsp;&nbsp;<\/td>\r\n    <td class=\"tg-0pky\">&nbsp;&nbsp;&nbsp;<br>+1.200 EUR&nbsp;&nbsp;&nbsp;<\/td>\r\n    <td class=\"tg-0pky\">&nbsp;&nbsp;&nbsp;<br>+96 EUR&nbsp;&nbsp;&nbsp;<\/td>\r\n    <td class=\"tg-0pky\">&nbsp;&nbsp;&nbsp;<br>+3.120 EUR&nbsp;&nbsp;&nbsp;<\/td>\r\n  <\/tr>\r\n<\/tbody>\r\n<\/table><\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ed45f54 elementor-widget elementor-widget-text-editor\" data-id=\"ed45f54\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Source : <a href=\"https:\/\/guichet.public.lu\/de\/citoyens\/logement\/acquisition\/aides-indirectes\/primes-assurance.html\" target=\"_blank\" rel=\"noopener\">https:\/\/guichet.public.lu\/de\/citoyens\/logement\/acquisition\/aides-indirectes\/primes-assurance.html<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-897f68f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"897f68f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-1b1b6af elementor-invisible\" data-id=\"1b1b6af\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-81fcd7d elementor-widget elementor-widget-text-editor\" data-id=\"81fcd7d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La d\u00e9ductibilit\u00e9 est applicable l&rsquo;ann\u00e9e du paiement de la prime du contrat d&rsquo;assurance.\u00a0<\/p><p>La deuxi\u00e8me option est le paiement p\u00e9riodique, annuel ou mensuel. Comme la prime fait partie de toutes les assurances d\u00e9ductibles, le montant total d\u00e9duit peut \u00eatre inf\u00e9rieur \u00e0 celui de la premi\u00e8re option \u00ab\u00a0one-shot\u00a0\u00bb. Le principal avantage est d\u2019\u00e9tendrele paiement dans le temps et de limiter le d\u00e9caissement au moment de l&rsquo;acquisition du bien.<\/p><p>Au moment de la souscription de l&rsquo;assurance, les emprunteurs peuvent cumuler les deux options pour b\u00e9n\u00e9ficier d&rsquo;une meilleure d\u00e9ductibilit\u00e9 fiscale et d&rsquo;une meilleure ad\u00e9quation avec les finances du foyer.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-efb776f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"efb776f\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-702d489\" data-id=\"702d489\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-f27a720 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f27a720\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-b574408 elementor-invisible\" data-id=\"b574408\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-394f60f elementor-widget elementor-widget-heading\" data-id=\"394f60f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Calcul de l'apport minimum requis en fonds propres<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1f5ebb5 elementor-widget elementor-widget-heading\" data-id=\"1f5ebb5\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Exemple pour un bien existant et pour un projet sur plan (VEFA)<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b03cb70 elementor-widget elementor-widget-text-editor\" data-id=\"b03cb70\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Mme A et M. B ach\u00e8tent ensemble un appartement existant d&rsquo;un prix d&rsquo;achat de 750.000 EUR pour en faire leur r\u00e9sidence principale.\u00a0<\/p><p><span style=\"text-decoration: underline;\">Calcul du budget d&rsquo;acquisition pour un bien existant<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4cf1f8f elementor-widget elementor-widget-html\" data-id=\"4cf1f8f\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style type=\"text\/css\">\r\n.tg1  {border-collapse:collapse;border-spacing:0;margin:0px auto;}\r\n.tg1 td{border-color:white;border-style:solid;border-width:2px;font-family:Arial, sans-serif;font-size:16px;\r\n  overflow:hidden;padding:10px 5px;word-break:normal;}\r\n.tg1 th{border-color:white;border-style:solid;border-width:2px;font-family:Arial, sans-serif;font-size:16px;\r\n  font-weight:normal;overflow:hidden;padding:10px 5px;word-break:normal;}\r\n.tg1 .tg1-0pky{border-color:white;text-align:left;vertical-align:top;color:white !important;line-height:1.2;}\r\n@media screen and (max-width: 767px) {.tg1 {width: auto !important;}.tg1 col {width: auto !important;}.tg1-wrap {overflow-x: auto;-webkit-overflow-scrolling: touch;margin: auto 0px;}}<\/style>\r\n<div class=\"tg1-wrap\"><table class=\"tg1\">\r\n<tbody>\r\n  <tr>\r\n    <td class=\"tg1-0pky\">&nbsp;&nbsp;&nbsp;<br>Prix d\u2018acquisition&nbsp;&nbsp;&nbsp;<\/td>\r\n    <td class=\"tg1-0pky\">&nbsp;&nbsp;&nbsp;<br>750.000 EUR&nbsp;&nbsp;&nbsp;<\/td>\r\n  <\/tr>\r\n  <tr>\r\n    <td class=\"tg1-0pky\">&nbsp;&nbsp;&nbsp;<br>Frais de notaire (estimation)&nbsp;&nbsp;&nbsp;<\/td>\r\n    <td class=\"tg1-0pky\">&nbsp;&nbsp;&nbsp;<br>+ 8.000 EUR&nbsp;&nbsp;&nbsp;<\/td>\r\n  <\/tr>\r\n  <tr>\r\n    <td class=\"tg1-0pky\">&nbsp;&nbsp;&nbsp;<br>Droits d\u2019enregistrement (7%)&nbsp;&nbsp;&nbsp;<\/td>\r\n    <td class=\"tg1-0pky\">&nbsp;&nbsp;&nbsp;<br>+ 52.500 EUR&nbsp;&nbsp;&nbsp;<\/td>\r\n  <\/tr>\r\n  <tr>\r\n    <td class=\"tg1-0pky\">&nbsp;&nbsp;&nbsp;<br><b>Budget total d\u2019acquisition<\/b>&nbsp;&nbsp;&nbsp;<\/td>\r\n    <td class=\"tg1-0pky\">&nbsp;&nbsp;&nbsp;<br><b>810.500 EUR<\/b>&nbsp;&nbsp;&nbsp;<\/td>\r\n  <\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-1f46335 elementor-invisible\" data-id=\"1f46335\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-16369d0 elementor-widget elementor-widget-image\" data-id=\"16369d0\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/equity-capital-white-300px.png\" class=\"attachment-large size-large wp-image-9117\" alt=\"Eigenkapital\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/equity-capital-white-300px.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/equity-capital-white-300px-150x150.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-7ce6aba elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7ce6aba\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-fc4f064 elementor-invisible\" data-id=\"fc4f064\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9321b4f elementor-widget elementor-widget-image\" data-id=\"9321b4f\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/one-house-white-300px.png\" class=\"attachment-large size-large wp-image-9123\" alt=\"Erstk\u00e4ufer\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/one-house-white-300px.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/one-house-white-300px-150x150.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-079d8b0 elementor-invisible\" data-id=\"079d8b0\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8f87820 elementor-widget elementor-widget-text-editor\" data-id=\"8f87820\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Si Mme A et M. B sont tous deux consid\u00e9r\u00e9s comme des primo-acc\u00e9dants (LINK), ils peuvent b\u00e9n\u00e9ficier de l&rsquo;int\u00e9gralit\u00e9 du \u00ab\u00a0Bell\u00ebgen Akt\u00a0\u00bb &#8211; Cr\u00e9dit d&rsquo;imp\u00f4t sur acte notari\u00e9, et leurs droits d&rsquo;enregistrement seront donc r\u00e9duits au <strong>montant minimum applicable de 100 EUR<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a0593af elementor-widget elementor-widget-html\" data-id=\"a0593af\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style type=\"text\/css\">\r\n.tg2  {border-collapse:collapse;border-spacing:0;margin:0px auto;}\r\n.tg2 td{border-color:white;border-style:solid;border-width:2px;font-family:Arial, sans-serif;font-size:16px;\r\n  overflow:hidden;padding:10px 5px;word-break:normal;}\r\n.tg2 th{border-color:white;border-style:solid;border-width:2px;font-family:Arial, sans-serif;font-size:16px;\r\n  font-weight:normal;overflow:hidden;padding:10px 5px;word-break:normal;}\r\n.tg2 .tg2-0pky{border-color:white;text-align:left;vertical-align:top;color:white !important;line-height:1.2;}\r\n@media screen and (max-width: 767px) {.tg2 {width: auto !important;}.tg2 col {width: auto !important;}.tg2-wrap {overflow-x: auto;-webkit-overflow-scrolling: touch;margin: auto 0px;}}<\/style>\r\n<div class=\"tg2-wrap\"><table class=\"tg2\">\r\n<tbody>\r\n  <tr>\r\n    <td class=\"tg2-0pky\">&nbsp;&nbsp;&nbsp;<br>Prix d\u2018acquisition&nbsp;&nbsp;&nbsp;<\/td>\r\n    <td class=\"tg2-0pky\">&nbsp;&nbsp;&nbsp;<br> &nbsp;&nbsp;&nbsp;<\/td>\r\n    <td class=\"tg2-0pky\">&nbsp;&nbsp;&nbsp;<br>750.000 EUR&nbsp;&nbsp;&nbsp;<\/td>\r\n  <\/tr>\r\n  <tr>\r\n    <td class=\"tg2-0pky\">&nbsp;&nbsp;&nbsp;<br>Frais de notaire (estimation)&nbsp;&nbsp;&nbsp;<\/td>\r\n    <td class=\"tg2-0pky\">&nbsp;&nbsp;&nbsp;<br> &nbsp;&nbsp;&nbsp;<\/td>\r\n    <td class=\"tg2-0pky\">&nbsp;&nbsp;&nbsp;<br>+ 8.000 EUR&nbsp;&nbsp;&nbsp;<\/td>\r\n  <\/tr>\r\n  <tr>\r\n    <td class=\"tg2-0pky\">&nbsp;&nbsp;&nbsp;<br>Droits d\u2019enregistrement (7%)&nbsp;&nbsp;&nbsp;<\/td>\r\n    <td class=\"tg2-0pky\">&nbsp;&nbsp;&nbsp;<br>+ 52.500 EUR&nbsp;&nbsp;&nbsp;<\/td>\r\n    <td class=\"tg2-0pky\">&nbsp;&nbsp;&nbsp;<br> &nbsp;&nbsp;&nbsp;<\/td>\r\n  <\/tr>\r\n  <tr>\r\n    <td class=\"tg2-0pky\">&nbsp;&nbsp;&nbsp;<br>- Cr\u00e9dit d\u2019imp\u00f4t (30k EUR par personne)&nbsp;&nbsp;&nbsp;<\/td>\r\n    <td class=\"tg2-0pky\">&nbsp;&nbsp;&nbsp;<br>- 60.000 EUR&nbsp;&nbsp;&nbsp;<\/td>\r\n    <td class=\"tg2-0pky\">&nbsp;&nbsp;&nbsp;<br> &nbsp;&nbsp;&nbsp;<\/td>\r\n  <\/tr>\r\n  <tr>\r\n    <td class=\"tg2-0pky\">&nbsp;&nbsp;&nbsp;<br>Droits d\u2019enregistrement applicables &nbsp;&nbsp;&nbsp;<\/td>\r\n    <td class=\"tg2-0pky\">&nbsp;&nbsp;&nbsp;<br> &nbsp;&nbsp;&nbsp;<\/td>\r\n    <td class=\"tg2-0pky\">&nbsp;&nbsp;&nbsp;<br>+ 100 EUR&nbsp;&nbsp;&nbsp;<\/td>\r\n  <\/tr>\r\n  <tr>\r\n    <td class=\"tg2-0pky\">&nbsp;&nbsp;&nbsp;<br>Budget total d\u2019acquisition&nbsp;&nbsp;&nbsp;<\/td>\r\n    <td class=\"tg2-0pky\">&nbsp;&nbsp;&nbsp;<br> &nbsp;&nbsp;&nbsp;<\/td>\r\n    <td class=\"tg2-0pky\">&nbsp;&nbsp;&nbsp;<br>758.100 EUR&nbsp;&nbsp;&nbsp;<\/td>\r\n  <\/tr>\r\n  <tr>\r\n    <td class=\"tg2-0pky\">&nbsp;&nbsp;&nbsp;<br>- Emprunt maximum (100%)&nbsp;&nbsp;&nbsp;<\/td>\r\n    <td class=\"tg2-0pky\">&nbsp;&nbsp;&nbsp;<br> &nbsp;&nbsp;&nbsp;<\/td>\r\n    <td class=\"tg2-0pky\">&nbsp;&nbsp;&nbsp;<br>- 750.000 EUR&nbsp;&nbsp;&nbsp;<\/td>\r\n  <\/tr>\r\n  <tr>\r\n    <td class=\"tg2-0pky\">&nbsp;&nbsp;&nbsp;<br><b>Apport minimum requis&nbsp;&nbsp;&nbsp;&nbsp;<\/b><\/td>\r\n    <td class=\"tg2-0pky\">&nbsp;&nbsp;&nbsp;<br> &nbsp;&nbsp;&nbsp;<\/td>\r\n    <td class=\"tg2-0pky\">&nbsp;&nbsp;&nbsp;<br><b>8.100 EUR&nbsp;&nbsp;&nbsp;<\/b><\/td>\r\n  <\/tr>\r\n<\/tbody>\r\n<\/table><\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e6dbc0a elementor-widget elementor-widget-text-editor\" data-id=\"e6dbc0a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Dans ce cas, <strong>l&rsquo;apport minimum <\/strong><strong>requis<\/strong> pour le financement de leur logement \u00e0 100 % serait de <strong>8<\/strong><strong>.100 EUR<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-fa20ea0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fa20ea0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-1c29240 elementor-invisible\" data-id=\"1c29240\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5dec1e7 elementor-widget elementor-widget-text-editor\" data-id=\"5dec1e7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Dans ce cas, <strong>l&rsquo;apport minimum <\/strong><strong>requis<\/strong> pour le financement de leur logement \u00e0 100 % serait de <strong>8<\/strong><strong>.100 EUR<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ddf48aa elementor-widget elementor-widget-html\" data-id=\"ddf48aa\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style type=\"text\/css\">\r\n.tg3 {border-collapse:collapse;border-spacing:0;margin:0px auto;}\r\n.tg3 td {border-color:white;border-style:solid;border-width:2px;font-family:Arial, sans-serif;font-size:16px;\r\n  overflow:hidden;padding:10px 5px;word-break:normal;}\r\n.tg3 th {border-color:white;border-style:solid;border-width:2px;font-family:Arial, sans-serif;font-size:16px;\r\n  font-weight:normal;overflow:hidden;padding:10px 5px;word-break:normal;}\r\n.tg3 .tg3-0pky {border-color:white;text-align:left;vertical-align:top;color:white !important;line-height:1.2;}\r\n@media screen and (max-width: 767px) {.tg3 {width: auto !important;}.tg3 col {width: auto !important;}.tg3-wrap {overflow-x: auto;-webkit-overflow-scrolling: touch;margin: auto 0px;}}<\/style>\r\n<div class=\"tg3-wrap\"><table class=\"tg3\">\r\n<tbody>\r\n  <tr>\r\n    <td class=\"tg3-0pky\">&nbsp;&nbsp;&nbsp;<br>Prix d\u2018acquisition&nbsp;&nbsp;&nbsp;<\/td>\r\n    <td class=\"tg3-0pky\">&nbsp;&nbsp;&nbsp;<br> &nbsp;&nbsp;&nbsp;<\/td>\r\n    <td class=\"tg3-0pky\">&nbsp;&nbsp;&nbsp;<br>750.000 EUR&nbsp;&nbsp;&nbsp;<\/td>\r\n  <\/tr>\r\n  <tr>\r\n    <td class=\"tg3-0pky\">&nbsp;&nbsp;&nbsp;<br>Frais de notaire (estimation)&nbsp;&nbsp;&nbsp;<\/td>\r\n    <td class=\"tg3-0pky\">&nbsp;&nbsp;&nbsp;<br> &nbsp;&nbsp;&nbsp;<\/td>\r\n    <td class=\"tg3-0pky\">&nbsp;&nbsp;&nbsp;<br>+ 8.000 EUR&nbsp;&nbsp;&nbsp;<\/td>\r\n  <\/tr>\r\n  <tr>\r\n    <td class=\"tg3-0pky\">&nbsp;&nbsp;&nbsp;<br>Droits d\u2019enregistrement (7%)&nbsp;&nbsp;&nbsp;<\/td>\r\n    <td class=\"tg3-0pky\">&nbsp;&nbsp;&nbsp;<br> &nbsp;&nbsp;&nbsp;<\/td>\r\n    <td class=\"tg3-0pky\">&nbsp;&nbsp;&nbsp;<br>+ 52.500 EUR&nbsp;&nbsp;&nbsp;<\/td>\r\n  <\/tr>\r\n  <tr>\r\n    <td class=\"tg3-0pky\">&nbsp;&nbsp;&nbsp;<br>Budget total d\u2019acquisition&nbsp;&nbsp;&nbsp;&nbsp;<\/td>\r\n    <td class=\"tg3-0pky\">&nbsp;&nbsp;&nbsp;<br> &nbsp;&nbsp;&nbsp;<\/td>\r\n    <td class=\"tg3-0pky\">&nbsp;&nbsp;&nbsp;<br>810.500 EUR&nbsp;&nbsp;&nbsp;<\/td>\r\n  <\/tr>\r\n  <tr>\r\n    <td class=\"tg3-0pky\">&nbsp;&nbsp;&nbsp;<br>- Emprunt maximum (90%)&nbsp;&nbsp;&nbsp;<\/td>\r\n    <td class=\"tg3-0pky\">&nbsp;&nbsp;&nbsp;<br> &nbsp;&nbsp;&nbsp;<\/td>\r\n    <td class=\"tg3-0pky\">&nbsp;&nbsp;&nbsp;<br>- 675.000 EUR&nbsp;&nbsp;&nbsp;<\/td>\r\n  <\/tr>\r\n  <tr>\r\n    <td class=\"tg3-0pky\">&nbsp;&nbsp;&nbsp;<br><b>Apport minimum requis&nbsp;&nbsp;&nbsp;&nbsp;<\/b><\/td>\r\n    <td class=\"tg3-0pky\">&nbsp;&nbsp;&nbsp;<br> &nbsp;&nbsp;&nbsp;<\/td>\r\n    <td class=\"tg3-0pky\">&nbsp;&nbsp;&nbsp;<br><b>135.500 EUR&nbsp;&nbsp;&nbsp;<\/b><\/td>\r\n  <\/tr>\r\n<\/tbody>\r\n<\/table><\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a6e59e5 elementor-widget elementor-widget-text-editor\" data-id=\"a6e59e5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La banque peut proposer un pr\u00eat hypoth\u00e9caire jusqu&rsquo;\u00e0 90% de la valeur du bien et l&rsquo;apport minimum serait de 135.500 EUR, moins l\u2019\u00e9ventuel cr\u00e9dit d&rsquo;imp\u00f4t disponible.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-43b41c8 elementor-invisible\" data-id=\"43b41c8\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-adb2026 elementor-widget elementor-widget-image\" data-id=\"adb2026\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/two-houses-white-300px.png\" class=\"attachment-large size-large wp-image-9120\" alt=\"Zwei-H\u00e4user\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/two-houses-white-300px.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/two-houses-white-300px-150x150.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-bfc3d02 elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bfc3d02\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-5ceb684 elementor-invisible\" data-id=\"5ceb684\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2e61039 elementor-widget elementor-widget-image\" data-id=\"2e61039\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/real-estate-invest-white-300px-1.png\" class=\"attachment-large size-large wp-image-9144\" alt=\"\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/real-estate-invest-white-300px-1.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/real-estate-invest-white-300px-1-150x150.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-3677908 elementor-invisible\" data-id=\"3677908\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1cf3200 elementor-widget elementor-widget-text-editor\" data-id=\"1cf3200\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La banque peut proposer un pr\u00eat hypoth\u00e9caire jusqu&rsquo;\u00e0 90% de la valeur du bien et l&rsquo;apport minimum serait de 135.500 EUR, moins l\u2019\u00e9ventuel cr\u00e9dit d&rsquo;imp\u00f4t disponible.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e2db8d9 elementor-widget elementor-widget-html\" data-id=\"e2db8d9\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style type=\"text\/css\">\r\n.tg4 {border-collapse:collapse;border-spacing:0;margin:0px auto;}\r\n.tg4 td {border-color:white;border-style:solid;border-width:2px;font-family:Arial, sans-serif;font-size:16px;\r\n  overflow:hidden;padding:10px 5px;word-break:normal;}\r\n.tg4 th {border-color:white;border-style:solid;border-width:2px;font-family:Arial, sans-serif;font-size:16px;\r\n  font-weight:normal;overflow:hidden;padding:10px 5px;word-break:normal;}\r\n.tg4 .tg4-0pky {border-color:white;text-align:left;vertical-align:top;color:white !important;line-height:1.2;}\r\n@media screen and (max-width: 767px) {.tg4 {width: auto !important;}.tg4 col {width: auto !important;}.tg4-wrap {overflow-x: auto;-webkit-overflow-scrolling: touch;margin: auto 0px;}}<\/style>\r\n<div class=\"tg4-wrap\"><table class=\"tg4\">\r\n<tbody>\r\n  <tr>\r\n    <td class=\"tg4-0pky\">&nbsp;&nbsp;&nbsp;<br>Prix d\u2018acquisition&nbsp;&nbsp;&nbsp;<\/td>\r\n    <td class=\"tg4-0pky\">&nbsp;&nbsp;&nbsp;<br> &nbsp;&nbsp;&nbsp;<\/td>\r\n    <td class=\"tg4-0pky\">&nbsp;&nbsp;&nbsp;<br>750.000 EUR&nbsp;&nbsp;&nbsp;<\/td>\r\n  <\/tr>\r\n  <tr>\r\n    <td class=\"tg4-0pky\">&nbsp;&nbsp;&nbsp;<br>Frais de notaire (estimation)&nbsp;&nbsp;&nbsp;<\/td>\r\n    <td class=\"tg4-0pky\">&nbsp;&nbsp;&nbsp;<br> &nbsp;&nbsp;&nbsp;<\/td>\r\n    <td class=\"tg4-0pky\">&nbsp;&nbsp;&nbsp;<br>+ 8.000 EUR&nbsp;&nbsp;&nbsp;<\/td>\r\n  <\/tr>\r\n  <tr>\r\n    <td class=\"tg4-0pky\">&nbsp;&nbsp;&nbsp;<br>Droits d\u2019enregistrement (7%)&nbsp;&nbsp;&nbsp;<\/td>\r\n    <td class=\"tg4-0pky\">&nbsp;&nbsp;&nbsp;<br> &nbsp;&nbsp;&nbsp;<\/td>\r\n    <td class=\"tg4-0pky\">&nbsp;&nbsp;&nbsp;<br>+ 52.500 EUR&nbsp;&nbsp;&nbsp;<\/td>\r\n  <\/tr>\r\n  <tr>\r\n    <td class=\"tg4-0pky\">&nbsp;&nbsp;&nbsp;<br>Budget total d\u2019acquisition&nbsp;&nbsp;&nbsp;&nbsp;<\/td>\r\n    <td class=\"tg4-0pky\">&nbsp;&nbsp;&nbsp;<br> &nbsp;&nbsp;&nbsp;<\/td>\r\n    <td class=\"tg4-0pky\">&nbsp;&nbsp;&nbsp;<br>810.500 EUR&nbsp;&nbsp;&nbsp;<\/td>\r\n  <\/tr>\r\n  <tr>\r\n    <td class=\"tg4-0pky\">&nbsp;&nbsp;&nbsp;<br>- Emprunt maximum (80%)&nbsp;&nbsp;&nbsp;<\/td>\r\n    <td class=\"tg4-0pky\">&nbsp;&nbsp;&nbsp;<br> &nbsp;&nbsp;&nbsp;<\/td>\r\n    <td class=\"tg4-0pky\">&nbsp;&nbsp;&nbsp;<br>- 600.000 EUR&nbsp;&nbsp;&nbsp;<\/td>\r\n  <\/tr>\r\n  <tr>\r\n    <td class=\"tg4-0pky\">&nbsp;&nbsp;&nbsp;<br><b>Apport minimum requis&nbsp;&nbsp;&nbsp;&nbsp;<\/b><\/td>\r\n    <td class=\"tg4-0pky\">&nbsp;&nbsp;&nbsp;<br> &nbsp;&nbsp;&nbsp;<\/td>\r\n    <td class=\"tg4-0pky\">&nbsp;&nbsp;&nbsp;<br><b>210.500 EUR&nbsp;&nbsp;&nbsp;<\/b><\/td>\r\n  <\/tr>\r\n<\/tbody>\r\n<\/table><\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c6c592 elementor-widget elementor-widget-text-editor\" data-id=\"6c6c592\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Dans ce cas, les frais d&rsquo;acquisition plus 20% du prix d&rsquo;achat sont exig\u00e9s en tant qu&rsquo;<strong>apport en fonds propres de 210.500 EUR<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a32404a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a32404a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-da4adbf\" data-id=\"da4adbf\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-5cc0d0d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5cc0d0d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-897b3fe elementor-invisible\" data-id=\"897b3fe\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0824596 elementor-widget elementor-widget-heading\" data-id=\"0824596\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">R\u00e9novations <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d730fd elementor-widget elementor-widget-text-editor\" data-id=\"6d730fd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Lorsque la demande de financement d&rsquo;un logement comprend un montant d\u00e9di\u00e9 aux r\u00e9novations, les banques exigent un acompte plus \u00e9lev\u00e9 car elles financent jusqu&rsquo;\u00e0 80 % du budget des r\u00e9novations.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a8e13a4 elementor-widget elementor-widget-heading\" data-id=\"a8e13a4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Performance \u00e9nerg\u00e9tique du bien<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8994881 elementor-widget elementor-widget-text-editor\" data-id=\"8994881\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Sur la base du certificat de performance \u00e9nerg\u00e9tique de votre projet immobilier, les banques peuvent influencer n\u00e9gativement son \u00e9valuation. Elle peut \u00e9ventuellement exiger un apport suppl\u00e9mentaire pour couvrir la diff\u00e9rence entre le prix d&rsquo;achat et leur \u00e9valuation. En outre, les banques peuvent \u00e9ventuellement conditionner l&rsquo;approbation du pr\u00eat \u00e0 la r\u00e9alisation de travaux de r\u00e9novation \u00e9nerg\u00e9tique.<\/p><p>Une faible efficacit\u00e9 \u00e9nerg\u00e9tique, c&rsquo;est-\u00e0-dire que le bien a une performance \u00e9nerg\u00e9tique peu efficiente voire m\u00e9diocre, peut \u00e9galement avoir un impact n\u00e9gatif sur le taux d&rsquo;int\u00e9r\u00eat.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-4ac5d05 elementor-invisible\" data-id=\"4ac5d05\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-31fe764 elementor-widget elementor-widget-image\" data-id=\"31fe764\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/house-renovation-bluegrey-300px.png\" class=\"attachment-large size-large wp-image-9129\" alt=\"\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/house-renovation-bluegrey-300px.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/house-renovation-bluegrey-300px-150x150.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-e5bf78b elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e5bf78b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-90b6e6d elementor-invisible\" data-id=\"90b6e6d\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a6a56ce elementor-widget elementor-widget-image\" data-id=\"a6a56ce\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/decrease-interest-rate-bluegrey-300px.png\" class=\"attachment-large size-large wp-image-9126\" alt=\"Zinssatzabnahme\" srcset=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/decrease-interest-rate-bluegrey-300px.png 300w, https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/11\/decrease-interest-rate-bluegrey-300px-150x150.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-76b38cc elementor-invisible\" data-id=\"76b38cc\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5fea66f elementor-widget elementor-widget-heading\" data-id=\"5fea66f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Comment ma mise de fonds peut-elle am\u00e9liorer mes taux d'int\u00e9r\u00eat ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0e118fd elementor-widget elementor-widget-text-editor\" data-id=\"0e118fd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Les taux d&rsquo;int\u00e9r\u00eat propos\u00e9s par les banques sont le r\u00e9sultat de l&rsquo;\u00e9valuation du risque de chaque demande de pr\u00eat hypoth\u00e9caire. Les deux principaux facteurs de cette \u00e9valuation du risque sont, d&rsquo;une part, l&rsquo;acompte investi qui d\u00e9termine le ratio pr\u00eat\/valeur et, d&rsquo;autre part, le rapport entre les revenus et les obligations financi\u00e8res du m\u00e9nage.<\/p><p>Les fonds propres ont une influence sur le LTV qui quantifie la valeur de la garantie pour la banque.<\/p><p>Sur la base du revenu mensuel et des obligations mensuelles, la banque \u00e9value la facilit\u00e9 avec laquelle vous pouvez rembourser votre emprunt chaque mois.\u00a0<\/p><p>fidem est \u00e0 votre disposition pour vous conseiller sur la mani\u00e8re d&rsquo;obtenir les meilleures conditions de pr\u00eat immobilier en fonction de votre situation et de vos attentes.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-1422686 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1422686\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-ca0d229\" data-id=\"ca0d229\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-088f85a elementor-align-center elementor-invisible elementor-widget elementor-widget-button\" data-id=\"088f85a\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/fr\/contact\" id=\"front_contact_steps\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Demandez conseil maintenant<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-cdadee4 bubblesBG elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"cdadee4\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d54e6aa\" data-id=\"d54e6aa\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-500dee9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"500dee9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-98dc383\" data-id=\"98dc383\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fcf2546 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"fcf2546\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-large\">KEY TAKEAWAYS<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7eb998f elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"7eb998f\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-large\">Die wichtigsten Erkenntnisse warum Sie <span style=\"color: #008EAA;font-weight: 500\">fidem.<\/span> als Ihren Kreditvermittler w\u00e4hlen sollten<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-699a521 divider-blue elementor-widget-divider--view-line elementor-invisible elementor-widget elementor-widget-divider\" data-id=\"699a521\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-6d04776 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"6d04776\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-ee128e2\" data-id=\"ee128e2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-28a0b75 elementor-widget elementor-widget-heading\" data-id=\"28a0b75\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">1<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-8a3ed09\" data-id=\"8a3ed09\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-189cfd3 elementor-widget elementor-widget-text-editor\" data-id=\"189cfd3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tIndividuelle Analyse Ihrer pers\u00f6nlichen Kreditaufnahmekapazit\u00e4t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-85176d5 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"85176d5\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-41ff379\" data-id=\"41ff379\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1ed911b elementor-widget elementor-widget-heading\" data-id=\"1ed911b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">2<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-3f7692c\" data-id=\"3f7692c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-72d058a elementor-widget elementor-widget-text-editor\" data-id=\"72d058a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tExperten begleiten Sie durch den Produktdschungel der Banken\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-9d9d225 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"9d9d225\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-f70e9cd\" data-id=\"f70e9cd\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ae51b98 elementor-widget elementor-widget-heading\" data-id=\"ae51b98\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">3<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-b18095d\" data-id=\"b18095d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2eddb86 elementor-widget elementor-widget-text-editor\" data-id=\"2eddb86\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tSparen Sie Zeit und Aufwand bei der Erstellung Ihrer Kreditanfrage\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-70bb0c5 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"70bb0c5\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-36240d2\" data-id=\"36240d2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4ddf961 elementor-widget elementor-widget-heading\" data-id=\"4ddf961\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">4<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-6c16562\" data-id=\"6c16562\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9fa1af7 elementor-widget elementor-widget-text-editor\" data-id=\"9fa1af7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<span style=\"white-space-collapse: preserve;\">Ein Ansprechpartner der f\u00fcr Sie die Verhandlungen bei allen Partnerbanken \u00fcbernimmt<\/span>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-39d0213 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"39d0213\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-99d1ad7\" data-id=\"99d1ad7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cdea40d elementor-widget elementor-widget-heading\" data-id=\"cdea40d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">5<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-0c027ab\" data-id=\"0c027ab\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-73cd536 elementor-widget elementor-widget-text-editor\" data-id=\"73cd536\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<span style=\"white-space-collapse: preserve;\">Unabh\u00e4ngiger und transparenter Kreditvergleich<\/span>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-274c7f2 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"274c7f2\" data-element_type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-bc14874\" data-id=\"bc14874\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0c9e392 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"0c9e392\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\"><span style=\"color: #008EAA;font-weight: 500\">fidem.<\/span> bietet all dies, ma\u00dfgeschneidert, schnell und kostenfrei.<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-8cc39e7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8cc39e7\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-d94b36b\" data-id=\"d94b36b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e9f6c37 elementor-align-center elementor-invisible elementor-widget elementor-widget-button\" data-id=\"e9f6c37\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/en\/contact\" id=\"front_contact_steps\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Buchen Sie jetzt Ihren Termin<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Fonds propres pour les financements immobiliers Quel est l\u2019apport n\u00e9cessaire pour mon financement immobilier au Luxembourg ? Et comment calculer mes frais d&rsquo;acquisition ? Lorsqu&rsquo;une question implique de nombreuses variables, la r\u00e9ponse est souvent \u00ab\u00a0\u00e7a d\u00e9pend\u00a0\u00bb. Le calcul de l\u2019apport en fonds propres minimal ou de l\u2018apport optimal pour une acquisition immobili\u00e8re ne fait pas&hellip;&nbsp;<a href=\"https:\/\/www.fidem.lu\/fr\/fonds-propres\/\" rel=\"bookmark\">Read More &raquo;<span class=\"screen-reader-text\">Fonds Propres<\/span><\/a><\/p>\n","protected":false},"author":7,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-pagebuilder-full-width.php","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"off","neve_meta_content_width":100,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","neve_meta_reading_time":"","footnotes":""},"class_list":["post-9189","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Les besoins en fonds propres pour un cr\u00e9dit immobilier | fidem.<\/title>\n<meta name=\"description\" content=\"Lorsqu&#039;une question est li\u00e9e \u00e0 de nombreuses variables, la r\u00e9ponse est souvent &quot;\u00e7a d\u00e9pend&quot;. Le calcul des fonds propres n\u00e9cessaires \u00e0 l&#039;acquisition d&#039;un bien immobilier ne fait pas exception \u00e0 la r\u00e8gle.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fidem.lu\/fr\/fonds-propres\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Les besoins en fonds propres pour un cr\u00e9dit immobilier | fidem.\" \/>\n<meta property=\"og:description\" content=\"Lorsqu&#039;une question est li\u00e9e \u00e0 de nombreuses variables, la r\u00e9ponse est souvent &quot;\u00e7a d\u00e9pend&quot;. Le calcul des fonds propres n\u00e9cessaires \u00e0 l&#039;acquisition d&#039;un bien immobilier ne fait pas exception \u00e0 la r\u00e8gle.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fidem.lu\/fr\/fonds-propres\/\" \/>\n<meta property=\"og:site_name\" content=\"fidem.\" \/>\n<meta property=\"article:modified_time\" content=\"2024-02-24T13:19:08+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-idea-bluegrey-filled-white-300px.png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data1\" content=\"13 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.fidem.lu\/fr\/fonds-propres\/\",\"url\":\"https:\/\/www.fidem.lu\/fr\/fonds-propres\/\",\"name\":\"Les besoins en fonds propres pour un cr\u00e9dit immobilier | fidem.\",\"isPartOf\":{\"@id\":\"https:\/\/www.fidem.lu\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.fidem.lu\/fr\/fonds-propres\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.fidem.lu\/fr\/fonds-propres\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.fidem.lu\/wp-content\/uploads\/2023\/10\/dude-idea-bluegrey-filled-white-300px.png\",\"datePublished\":\"2023-11-19T12:10:34+00:00\",\"dateModified\":\"2024-02-24T13:19:08+00:00\",\"description\":\"Lorsqu'une question est li\u00e9e \u00e0 de nombreuses variables, la r\u00e9ponse est souvent \\\"\u00e7a d\u00e9pend\\\". 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Le calcul des fonds propres n\u00e9cessaires \u00e0 l'acquisition d'un bien immobilier ne fait pas exception \u00e0 la r\u00e8gle.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.fidem.lu\/fr\/fonds-propres\/","og_locale":"fr_FR","og_type":"article","og_title":"Les besoins en fonds propres pour un cr\u00e9dit immobilier | fidem.","og_description":"Lorsqu'une question est li\u00e9e \u00e0 de nombreuses variables, la r\u00e9ponse est souvent \"\u00e7a d\u00e9pend\". 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