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<div class="container intro">
<div class="intro__image--mobile">
<img class="is-hidden-tablet" src="/PublishingImages/site-particuliers/logement/bil-luxembourg-banque-epargne-logement-header-mob.jpg" alt="" />
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<div class="columns is-gapless">
<div class="column">
<div class="intro__content">
<div class="intro__titles">
<h1>Bausparen</h1>
<h2>Sparen Sie ganz entspannt für Ihr zukünftiges Eigenheim.</h2>
<a href="#know" class="intro__arrow">
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</div>
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</div>
</section>
<section id="know" class="know">
<div class="container">
<p>
Ein Bausparvertrag ermöglicht es Ihnen, mithilfe regelmäßiger Sparbeiträge ein attraktives Darlehen zu einem bereits bei Vertragsabschluss festgelegten Zinssatz zu erhalten. Ob Bauen, Kaufen oder Renovieren – mit den flexiblen Bausparverträgen von Wüstenrot profitieren Sie von attraktiven Zinserträgen und Darlehen zu Top-Konditionen. Entdecken Sie jetzt unsere Lösungen, die optimal auf Ihre Bedürfnisse zugeschnitten sind! </p>
</div>
</section>
<section class="avantages">
<div class="container">
<h1 class="avantages__title">Ihre Vorteile</h1>
<hr class="avantages__seperator" />
<div class="columns">
<article class="column is-one-third avantages__item">
<img src="/PublishingImages/site-particuliers/logement/bil-luxembourg-banque-epargne-logement-prevoyance.svg" alt="" />
<h1>Sicherheit</h1>
<p>Kein Kapital- und Zinsrisiko</p>
</article>
<article class="column is-one-third avantages__item">
<img src="/PublishingImages/site-particuliers/logement/bil-luxembourg-banque-epargne-logement-flexibilite.svg" alt="" />
<h1>Flexibilität</h1>
<p>Sie bestimmten selbst, wie viel Sie jeden Monat einzahlen möchten</p>
</article>
<article class="column is-one-third avantages__item">
<img src="/PublishingImages/site-particuliers/logement/bil-luxembourg-banque-epargne-logement-rendement.svg" alt="" />
<h1>Rendite</h1>
<p>Bauen Sie auf die Sicherheit Ihres Kapitals oder finanzielle Performance</p>
</article>
</div>
</div>
</section>
<section class="tax">
<div class="container">
<img class="tax__icon" src="/PublishingImages/site-particuliers/logement/bil-luxembourg-banque-epargne-logement-avantages-fiscaux.svg" alt="" />
<h1 class="tax__title">STEUERVORTEILE</h1>
<div class="columns is-multiline is-gapless">
<div class="column is-half">
<div class="tax__left">
<p>Verringern Sie Ihr zu versteuerndes Einkommen jedes Jahr um bis zu</p>
<p>
<span>
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672 Euro bzw. 1.344 Euro
</span> jährlich pro Haushaltsmitglied (abhängig vom Alter des jüngsten Steuerpflichtigen)<sup>2</sup></p>
<p class="tax__annotation"><sup>2</sup>Die Steuervorteile hängen von der individuellen Situation jedes Steuerpflichtigen ab und können nachträglich geändert werden.</p>
<p class="tax__p">Die mit einem Bausparvertrag erzielten jährlichen Zinserträge unterliegen nicht der luxemburgischen Abgeltungssteuer von 10 %.</p>
</div>
</div>
<div class="column is-half">
<div id="taxes" class="tax__right">
<!--<div class="columns is-vcentered is-centered is-mobile">
<div class="column is-narrow tax__year">2023</div>
<div class="column is-narrow">
<div id="taxProgress" class="tax__progress"></div>
</div>
<div class="column is-narrow tax__year">2024</div>
</div>-->
<h1>Schaffen Sie jetzt die besten Voraussetzungen für das Steuerjahr 2024!</h1>
<p>Wenn Sie sich jetzt für einen Vertragsabschluss entscheiden, profitieren Sie bei Ihrer nächsten Steuererklärung von allen Steuervorteilen!</p>
</div>
</div>
</div>
</div>
</section>
<section id="contact" class="contact1">
<div class="container">
<div class="contact__container">
<h1 class="contact__title">Sie wünschen weitere Informationen über Bausparverträges<br>oder möchten einen Vertrag abschließen?</h1>
<div class="columns is-multiline">
<div class="column is-one-third is-centered has-text-centered">
<p class="contact__subtitle">Sie sind bereits Kunde? </p>
<p style="margin-bottom:15px;">Kontaktieren Sie Ihren Kundenbetreuer direkt telefonisch oder über die </p>
<a class="contact__link contact__link--mail" href="https://bilnet.lu.bil.com/#/secure-messaging/compose"
target="_blank" onclick="gtag('event', 'EPARGNE-LOGEMENT', { 'Categorie': 'BUTTON', 'Action': 'MESSAGERIE-SECURISEE'});">
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sichere E-mail-plattform
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<p class="contact__subtitle">Sie sind noch kein Kunde?</p>
<p style="text-align:center; margin-bottom:15px;">Kontaktieren Sie uns unter der Nummer (+352) 4590-5000, <br>um einen Termin zu vereinbaren</p>
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<a class="contact__link contact__link--meet" href="https://www.bil.com/de/privatkunden/Fragen-und-Kontakt/Seiten/termin.aspx"
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Termin vereinbaren
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<i>(+352)</i>
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| BIL Pension, für eine Rente, die zu Ihnen passt | https://www.bil.com/de/privatkunden/produkte-und-dienstleistungen/sparen/Seiten/Zusatzrente.aspx | BIL Pension, für eine Rente, die zu Ihnen passt | | <link rel="stylesheet" href="/Style%20Library/BIL/CSS/pension.css">
<section>
<div class="container intro">
<div class="intro__image--mobile">
<img class="is-hidden-tablet" src="/PublishingImages/site-particuliers/pension/bil-luxembourg-banque-pension-header-mob.jpg" alt="" />
</div>
<div class="columns is-gapless">
<div class="column">
<div class="intro__content">
<div class="intro__titles">
<h1>BIL Pension</h1>
<h2>Planen Sie Ihre Altersvorsorge heute, damit Sie morgen Ihren Ruhestand rundum genießen können.</h2>
<a href="#know" class="intro__arrow">
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</div>
</div>
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</section>
<section id="know" class="know">
<div class="container">
<h1>Wissenswertes</h1>
<hr />
<h2>Durschnittliche Rente ausbezahlt im Dezember 2022</h2>
<!--div id="counters" class="has-text-centered">
<p class="know__amount"><span id="firstAmount">1 856,05</span><span>€</span><sup>1</sup></p>
</div-->
<p class="moyenne">2 174,4<span style="color:#702f8a;font-size:53px;font-weight:400;">€</span><sup style="color:#666;font-size:19px;font-weight:400;">1</sup></p>
<p class="know__annotation">
<sup>1</sup>Durchschnittliche monatliche Bruttorente für alle Renten , die von der nationalen allgemeinen Pensionskasse (CNAP) bezahlt wurden, gemäß dem allgemeinen Bericht der Sozialverischerungen der IGSS für
<a style="color:#666;" href="https://igss.gouvernement.lu/dam-assets/publications/rapport-g%C3%A9n%C3%A9ral-sur-la-s%C3%A9curit%C3%A9-sociale/rg-2023.pdf" target="_blank">das Jahr 2023</a>
</p>
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<a href="#solutions" class="know__arrow__container">
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<div class="column" style="max-width: 100%;">
<p class="know__quote">Mit unserer Zusatzrente <b>BIL Pension</b> können Sie <b>jetzt</b>,<br />um<b> Ihren Lebensstandard</b> im Ruhestand zu verbessern.</p>
</div>
<div class="column is-narrow is-hidden-mobile know__citation has-text-left">
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</section>
<section style="position:relative;">
<div class="container" style="text-align:center;" id="video">
<div class="video-container">
<iframe width="560" height="315" src="https://www.youtube.com/embed/Zm0GfBjOn4c" frameborder="0" allow="autoplay; encrypted-media" allowfullscreen></iframe>
</div>
<br>
</div>
</section>
<section class="avantages">
<div class="container">
<h1 class="avantages__title">Ihre Vorteile</h1>
<hr class="avantages__seperator" />
<div class="columns">
<article class="column is-one-third avantages__item">
<img src="/PublishingImages/site-particuliers/pension/bil-luxembourg-banque-pension-prevoyance.svg" alt="" />
<h1>VORSORGE</h1>
<p>Sichern Sie Ihre Zukunft und die Ihrer Familie, indem Sie Kapital aufbauen</p>
</article>
<article class="column is-one-third avantages__item">
<img src="/PublishingImages/site-particuliers/pension/bil-luxembourg-banque-pension-flexibilite.svg" alt="" />
<h1>FLEXIBILITÄT</h1>
<p>Freie Wahl der Höhe der Prämien und der Häufigkeit der Einzahlungen</p>
</article>
<article class="column is-one-third avantages__item">
<img src="/PublishingImages/site-particuliers/pension/bil-luxembourg-banque-pension-rendement.svg" alt="" />
<h1>ERTRÄGE</h1>
<p>Bauen Sie auf die Sicherheit Ihres Kapitals oder streben Sie nach Wertentwicklung</p>
</article>
</div>
</div>
</section>
<section class="tax">
<div class="container">
<img class="tax__icon" src="/PublishingImages/site-particuliers/pension/bil-luxembourg-banque-pension-avantages-fiscaux.svg" alt="" />
<h1 class="tax__title">STEUERVORTEILE</h1>
<div class="columns is-multiline is-gapless">
<div class="column is-half">
<div class="tax__left">
<p>Unabhängig von Ihrem Alter</p>
<p> ist von Ihrer Steuerbemessungsgrundlage jährlich ein Betrag von bis zu</p>
<p>
<span>
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3 200 €
</span> pro Steuerpflichtigem abzugsfähig<sup>4</sup></p>
<p class="tax__annotation"><sup>4</sup>Die Steuervorteile hängen von der individuellen Situation jedes in Luxemburg ansässigen Steuerpflichtigen bzw. einem solchen gleichgestellten nicht ansässigen Steuerpflichtigen ab.</p>
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<h1>Denken Sie bereits jetzt an IHR STEUERJAHR 2024!</h1>
<p>Wenn Sie sich jetzt für einen Vertragsabschluss entscheiden, profitieren Sie bei Ihrer nächsten Steuererklärung von allen Steuervorteilen!</p>
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<h2 style=" text-align: center;
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Selbstständige und Freiberufler: Lassen Sie sich durch Ihre gesetzliche Rente nicht Ihren Ruhestand verderben</a></h2>
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<h1 class="contact__title">Fragen oder Zeichnungswunsch?</h1>
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<p class="contact__subtitle">Sie sind noch kein Kunde?</p>
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