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Located in the municipality of Koerich in Luxembourg, Windhof-Goeblange is a charming little rural village that offers a peaceful and picturesque atmosphere. Nestled in the green hills of the Alzette Valley, Windhof-Goeblange is an ideal destination for those who wish to escape the hustle and bustle of the city and reconnect with nature.

The village is known for its remarkable architectural heritage, in particular the 18th century church of Saint-Pierre. This baroque church is a real gem with its carved altar and beautiful murals. Visitors can also admire the village's many traditional stone and wooden houses, which add to the village's picturesque charm.

Windhof-Goeblange is also an ideal place for hikers and outdoor enthusiasts, with many hiking and mountain biking trails nearby. The surrounding hills offer spectacular views of the valley and surrounding mountains, with breathtaking scenery all year round.

The village is also close to the city of Luxembourg with its many cultural and historical attractions, as well as many lively shops, restaurants and bars. Visitors can easily explore Luxembourg City while enjoying the quiet and peaceful atmosphere of Windhof-Goeblange.

In short, Windhof-Goeblange in Koerich, Luxembourg is a prime destination for those wishing to experience the rural charm of Luxembourg. With its remarkable architectural heritage, picturesque walks and peaceful atmosphere, Windhof-Goeblange offers an unforgettable experience for visitors of all ages.

Discover the rural charm of Windhof-Goeblange in Koerich, Luxembourg

Pledging your home as collateral what are the implications and risks.jpg

When an individual decides to pledge his or her home as collateral, he or she is allowing the bank to sell the property if he or she defaults on repaying the loan. Of course, this procedure is strictly regulated by Luxembourg law. So even if you choose this option for your loan, your house remains your property. The bank has no right, for example, to enter it without your permission, to choose who lives there or to collect rent.

So what does a guarantee mean for your home? What are the bank's rights in this scenario and yours? Don't hesitate to consult a property expert to get clear and appropriate answers to all these questions.

## In what situations can you use your home as collateral?

Generally speaking, you put your house up as a guarantee when you buy a property and borrow money from the bank. This guarantee allows the bank to repossess the property if the borrower fails to make the monthly payments on time.

There are other circumstances in which a house can be used as collateral: some people choose this option when starting a business, as part of their professional development or to pay off a debt.

Of course, using your home as collateral does not necessarily guarantee the bank's approval. In any case, with or without a guarantee, the bank will examine your financial situation before deciding whether or not to support you in your property project. Among the various criteria taken into account are the amount of your monthly income and your personal, family and professional situation.

The guarantee can be given by a member of your family or on a property other than your house: you can, for example, put up a building plot or even a piece of farmland as a guarantee.

## The main consequences of a mortgage

In some countries, such as the United States, the bank can repossess the property in the event of a problem. In Luxembourg and most European countries, the guarantee does not authorize the bank to take possession of your main or secondary residence, even if the monthly payments are not made.

If you fail to repay your loan in accordance with the original terms, the bank will generally first try to find an amicable solution. If no agreement can be reached, the bank may call in a bailiff to collect the outstanding amount. If a house guarantee has been given and the previous steps have not been successful, the notary may have to organize a public sale.

## Some tips for obtaining a mortgage

Of course, the guarantee can make it easier to get the loan you need to complete your property purchase. But first, it's best to work out how much you can afford to repay each month and how much you can borrow in total.

In general, buyers are advised to get their finances in order before applying for a bank loan, with or without security. To demonstrate the strength of your case, avoid being overdrawn for months before applying. If you have outstanding consumer credit, try to pay it off as much as possible to reduce your monthly outgoings.

Do not hesitate to make several applications to different institutions to find the best deal for you. The help of a bank credit broker can be crucial at this stage: he or she will help you to compile a file, negotiate with the banks and determine whether or not it is necessary to put up the house as collateral. 

Pledging your home as collateral: what are the implications and risks?

The big departure More and more Luxembourgers are attracted by properties in border areas.jpg

The "big departure" phenomenon is gaining momentum in the Luxembourg property market. More and more residents of the Grand Duchy are attracted by the opportunities offered by buying property in border areas. In this article, we explore the reasons behind this trend and the advantages these regions offer to investors and individuals.

## Rising property prices in Luxembourg
One of the main reasons for the attractiveness of the border regions is the steady rise in property prices in Luxembourg. Faced with this increase, residents are looking for more affordable alternatives for investment or housing. Often cheaper than properties located directly in the Grand Duchy, the border areas have become a preferred option for those seeking better value for money.

## Geographical proximity and ease of access
Luxembourg is a small country surrounded by Belgium, France and Germany. The border areas are therefore easily accessible for Luxembourg residents. In addition, the quality of the transport infrastructure, such as motorways and rail networks, makes it easy to travel between these areas and Luxembourg on a daily basis. As a result, employees can continue to pursue their professional activities in the Grand Duchy while benefiting from a more affordable cost of living.

## Tax and social benefits
Investing in property in a border area can also offer tax advantages for Luxembourg residents. For example, cross-border commuters can benefit from special tax agreements between Luxembourg and neighboring countries. In addition, the social security and healthcare systems of neighboring countries are often accessible to Luxembourg residents, thus offering additional social benefits.

## A dynamic and diverse property market
The Border Region offers a diverse and dynamic property market with properties of different sizes, types and price ranges. Whether you are looking to buy a first home or invest in a rental property, there are many options to meet the expectations and needs of every buyer.

## A preserved quality of life
Living in a border region allows you to enjoy a high quality of life. These regions often offer a peaceful and pleasant living environment, with easy access to nature and numerous leisure activities. In addition, services and shops are generally well developed, making everyday life convenient and comfortable.

In search of investment opportunities and a better quality of life, Luxembourgers are increasingly attracted to border properties. Rising property prices in Luxembourg, geographical proximity, tax and social benefits, a dynamic and diversified property market and a high quality of life are all factors that explain this trend. The border regions therefore represent an interesting alternative for those who wish to invest or live close to the Grand Duchy without sacrificing comfort or budget.

## The challenges
Although the border regions offer many advantages, it is important to consider some of the challenges that residents may face. One of the main problems is understanding and adapting to the different laws and regulations of the neighboring countries. It is therefore essential to be informed and prepared before embarking on a cross-border property investment.

## The importance of professional advice
In order to successfully invest in property in a border region, it is advisable to seek the services of property professionals with expertise in the regions concerned. These professionals will be able to assist you at all stages of your project, from finding the ideal property to completing the purchase. They can also help you understand the specific tax and regulatory requirements of each country and advise you on the best investment strategies.

## Future prospects
The phenomenon of the "great departure" towards the border areas should continue in the years to come. Indeed, Luxembourg continues to attract many foreign workers and investors, putting pressure on the local real estate market and reinforcing the interest in the border regions. In addition, policies for regional planning and the development of transport infrastructures should encourage the growth of these areas and reinforce their attractiveness.

In conclusion, real estate in border areas represents an interesting opportunity for Luxembourgers looking to diversify their investments or to find more affordable housing. The advantages offered by these regions, both in terms of cost of living and quality of life, are becoming increasingly popular. However, it is essential to be well informed and to surround yourself with competent professionals in order to make the most of these opportunities and meet the challenges inherent in this type of investment.

Real estate in border areas is increasingly attractive to Luxembourgers

Why loyalty in real estate is a rare treasure to find.jpg

Hello property enthusiasts and welcome to our blog! Today we are going to talk about the ephemeral nature of loyalty in real estate and why we, as agents, must be prepared to become treasure hunters, always on the lookout for new business opportunities. 

## 1. The competitive property market:

The property market is very competitive and buyers and sellers are spoilt for choice when it comes to choosing an agent. It is like a huge buffet where everyone is looking for the best for their needs! 

## 2. Economic interests:

Clients and business partners have their own economic interests at heart. If they feel they can get a better deal from another agency or agent, they may change their loyalty.

## 3. Changing needs:

Clients at different stages of life or in different circumstances have different needs and priorities. An agent who has served a client well in the past may not be the best choice for future business if the client's needs change.

## 4. One-off property transactions:

Property transactions tend to be major one-off events in people's lives and it is not uncommon for clients to deal with an agent only once. Therefore, the opportunity to build a long-term relationship is often limited.

## 5. Personal relationships:

Clients may choose an agent for personal reasons. They may choose to work with someone who is a family member or friend, or they may change their loyalty for other personal reasons.

## 6. Key ingredients for success in property:

To be successful in the property industry, agents need to focus on:
- Exceptional customer service
- Expertise
- Integrity

Remember that property transactions are often big, one-off events in people's lives. It's like finding a golden goose that only lays one golden egg! 

So, colleagues, stay optimistic, keep looking for new opportunities and remember that loyalty is a rare treasure, but with hard work, dedication and an adventurous spirit, we are up to the challenge! 

What about you, dear readers, are you also property treasure hunters? Share your experiences and thoughts in the comments! 

#realestatemarket #honesty #success #realestateagent

Why loyalty in real estate is a rare treasure to find?

The dream job  Real estate agent - a job with many advantages.jpg

Being an estate agent attracts many young professionals because it offers many advantages over a monotonous office job. As an estate agent, you can dream of high incomes, exciting properties and interesting meetings. It is also a stepping stone to meeting successful investors or members of high society. The flexibility, enjoyment and earning potential make this a particularly attractive career. 

Here are some of the reasons why you should consider a career as an estate agent:

## Flexible hours and personalized workload
As an estate agent, you can be very flexible with your working hours. Although the profession can be time-consuming and stressful, you have the opportunity to organize your working hours around your own needs. For example, you can start work at 10 or 11 a.m., take a long lunch break to go to the gym, or organize your work around childcare.
The amount of work you do as an agent is also up to you. The more you work (especially in the beginning), the more you can earn. As you gain experience, your workload tends to decrease while your income increases.

## Freedom to organize your work and choose your clients
As an estate agent, you have the freedom to choose who you work for and how you organize your business. You can specialize in certain types of property or sales activities (e.g. commercial, residential, luxury, residential, logistics, office, rental, purchase). You can also adapt and develop your working style, which may evolve over the years.
You also have the ability to turn down clients you do not want to work with. With experience, you can become more selective in your choice of clients.

## Attractive income and investment opportunities
Because you work with high sales values and assets, you can earn a high income as an estate agent. The aim is to build a network that brings you consistent work. If you are successful, the money will flow.
As an agent, you also have the opportunity to become an investor. In the course of your business, you are likely to acquire personal property and develop a sense of property goodwill.

## Easy access and no start-up capital required
Access to the real estate agent profession is easy: all you need is a business licence and a licence to work as a real estate agent in accordance with Article 34c. No start-up capital is required to become an estate agent. Many new entrants work in another profession on the side to ensure that they do not run out of money. It is recommended that you take this approach as it may take some time to build up a steady income as an estate agent. Make sure you have sufficient funds to support yourself.

## Future requirements and legislation
Lawmakers are considering introducing a fitness test for estate agents. Many industry experts believe this is not a bad idea, as such a test should not be too difficult to pass. We will keep you informed as more information becomes available.

## The bottom line
A career as an estate agent offers many advantages, such as flexible working hours, individual workload, freedom to organize work and choose clients, attractive income and investment opportunities. Getting started is easy and requires no start-up capital. If you are interested in a career in property, you should consider these aspects when making your decision.

The dream job : Real estate agent - a job with many advantages

Home Staging An essential strategy to increase the value of your property.jpg

Home staging is an innovative approach to showcasing a property and preparing it for sale or rent. It makes the property more attractive to potential buyers or tenants by optimizing its appearance and functionality. In this article, we present the five key benefits of home staging that make it a must for homeowners and sellers who want to sell or rent their property faster and at a better price.

## 1. Improved visual appeal
Home staging enhances the aesthetics of a property by highlighting its strengths and minimizing its weaknesses. Using decorating, lighting and layout techniques, home staging creates a welcoming and attractive environment for potential buyers or tenants.

## 2. Accelerate the sale
Properties that have benefited from home staging tend to sell faster than those that have not been prepared in this way. This allows sellers to avoid long waiting periods to find a buyer and eases the selling process.

## 3. Increase the value of the property
By optimizing the presentation of the property, home staging can help to increase its perceived value. This often translates into a higher sale or rental price, allowing owners and sellers to realize a better return on investment.

## 4. Optimize functionality
Home staging aims to maximize the functionality of each room by reorganizing and streamlining the space. This approach is particularly useful for properties with atypical layouts as it enhances the living spaces and creates a sense of harmony and balance.

## 5. Reduced marketing costs
By reducing the time it takes to sell or rent a property, home staging reduces the marketing costs associated with selling or renting. This allows homeowners and sellers to spend less time and money promoting their property while achieving better results.

All in all, home staging is a property staging strategy that offers a great return on investment for owners and sellers looking to sell or rent their property faster and at a better price. Don't hesitate to use home staging professionals to give your property a boost when selling or renting and maximize its potential. 

#immobilier #valorisation #sale #rental #investment #nextimmo.lu

Home Staging: An essential strategy to increase the value of your property

Tenant in arrears with rent what actions to take.jpg

Dealing with a tenant who doesn't pay their rent on time can be a complex and worrying situation. To help you deal with this situation, we have produced a practical guide with steps to take and tips on how to prevent late payments.

## 📝Taking legal action for unpaid rent

If you are faced with a tenant who is not paying their rent, there are several legal options available to you. It is important to understand your rights and the steps you need to take:
- Contact your tenant: first, try to have a friendly chat and try to understand the reasons for the delay. It may be a simple oversight or a temporary difficulty.
- Write a formal notice: if communication does not succeed, send a registered letter with acknowledgement of receipt to demand payment of the late rent.
- Take legal action: if there is no response or the landlord refuses to pay, you can take the matter to the competent judicial body to start legal proceedings.

## 🔎 Preventing rent arrears

To avoid this unpleasant situation, here are some tips on how to choose your tenants correctly and reduce the risk of late payment:
- Take your time when looking for a tenant: don't choose the first applicant. Carefully analyze each application to find a serious and solvent tenant.
- Check the applicant's income: make sure the tenant's income is at least three times the amount of the rent. This will limit the risk of late payment.
- Favor stable professional profiles: tenants with permanent contracts or stable employment are less likely to have payment problems than those with precarious contracts.

## 🛡️ Opt for rental guarantee insurance for unpaid rents
Some insurance companies offer rental guarantee policies. They can reimburse you in the event of non-payment and can also take care of certain procedures to recover the money owed and require the tenant to fulfil their obligations. Despite the additional cost, these policies offer peace of mind and a minimum of financial stability.

## 🤝 Entrust the management of your property to an estate agency
If you prefer not to deal with these issues yourself, you can entrust the rental management of your property to an estate agency. They will collect the rent, send reminders and even carry out repairs if necessary. This way you can be sure that your property is let and that the rent is paid into your bank account each month.

Tenant in arrears with rent: what actions to take? 

The secrets of American real estate agents when creativity rhymes with appeal.jpg

Competition is fierce in the world of real estate. With property prices in the United States falling, US estate agents are vying to attract new clients and close sales. In this article, we'll explore the different marketing techniques real estate agents are using to stand out and attract potential buyers, especially in New York City.

## Marketing strategies developed to attract clients

The US property market is slowing down, even in New York City, where prices were once astronomical. To meet the growing competition, real estate agents are using increasingly sophisticated marketing techniques to attract clients and close sales.

Some of the most extravagant examples include agents offering yacht trips, football tickets or free cars to interested buyers to influential colleagues and clients. Nothing is too expensive to stand out in a declining property market.

## Challenges for estate agents

As the housing recession continues, US real estate agents are having to up their game to stay afloat. Those new to the field earn an average of only $12,850 per year, while established professionals continue to earn around $100,000. Despite the challenges, the creativity of US real estate agents is undiminished.

## The only limit: imagination

Ultimately, the only limit for US estate agents may be their imagination. Marketing techniques are constantly evolving to adapt to market needs and customer preferences. As a result, estate agents must constantly innovate in order to stand out from the competition and offer attractive deals.

The US property market, particularly in New York City, can be difficult for agents to navigate. However, creativity and innovation remain essential to attracting new clients and closing sales. By adopting bold marketing strategies and staying on top of the latest trends, real estate agents can continue to thrive in an ever-changing market.

#Immobilier #USA #NewYork #Marketing #Innovation #AgentsImmobiliers

The secrets of American real estate agents: when creativity rhymes with appeal

Changing primary residence selling before buying or vice versa.jpg

Are you a property owner considering selling your main home and buying a new one? The reasons could be many and varied: career changes, family developments or simply the desire to make a fresh start. Many people find themselves in this situation and naturally ask themselves questions about the practical and financial aspects of this project.

Is it too early to sell your primary residence? Should you wait until you have repaid more of your mortgage? How will this decision affect your tax situation? We address these crucial questions to help you see things more clearly.

## When does it make sense to sell your main home?
In theory, there are no hard and fast rules about when you can sell your main home and buy a new one. However, it is generally accepted that it is best to wait at least five years to amortise the major costs associated with your investment. If your personal situation does not allow you to wait, do not hesitate to seek the help of property experts to optimize your decisions.

If you sell earlier than expected, you may not have had time to amortize notary fees, agency fees, credit insurance and any repair, renovation and maintenance costs. This is why it is often considered that you are "losing money".

## Taxation and mortgages: what you need to know ?

### Selling before buying: advantages and disadvantages
If you sell your main home before buying a new one, you will have capital to help you buy your future home. This approach also avoids the temporary costs of owning two properties.

However, this option requires you to find temporary accommodation before you own your new main home.

### Is it better to buy before selling?
Buying a new property before selling your current main home gives you more time to organise your move. For example, if work needs to be done, you can do it without having to live there. This strategy also avoids the need to find a temporary rental property between selling your first home and buying the new one.

However, there are additional risks associated with this solution. Until you sell your current property, you don't know how much you'll get for it, and the amount you get may not be what you expect. In addition, you may need an additional loan to finance the purchase of the new home, as you will not have received the capital from the sale of your former main home.

## How will this affect my tax situation?
If you sell your main home to buy a new one, you must declare the transaction to the tax authorities. The tax treatment depends on how long you have owned your property: more or less than 2 years.
If you have owned your property for more than two years, you may be entitled to a total exemption from capital gains tax. On the other hand, if you have owned the property for less than two years, the exemption does not apply and you will have to pay tax on the capital gain realized at the time of the sale.

In conclusion, the decision to sell your main home and buy another depends on many factors, such as how long you have owned the property, your financial situation, your housing needs and the state of the property market. It is important to take the time to evaluate the pros and cons of each option and to consult with property professionals to help you through the process.

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