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Mortgagehttps://www.bil.com/en/individuals/products-and-services/borrow/Pages/mortgage.aspxMortgage<main> <section class="mission-pret"> <div class="container"> <div class="row"> <div class="col-md-12"> <div class="mission-image"> <div class="hideitem"></div> <img src="/PublishingImages/site-particuliers/mission-immo.jpg" alt=""> <div class="mission-text"> <h1>Mortgage</h1> <h2>A BIL loan enabling you to purchase a house or apartment, whether new or old, or to fund a new build. BIL will support you with tailored financing solutions.</h2> </div> </div> </div> </div> </div> </section> <nav id="navbar"> <ul> <li><a href="#intro" class="scrolltolink">BIL, your real estate partner</a></li> <li><a href="#simulateur" class="scrolltolink">Simulate your mortgage</a></li> <li><a href="#immoadvantages" class="scrolltolink">Mortgage benefits</a></li> <li><a href="#about" class="scrolltolink">Find out more about mortgages</a></li> <li><a href="https://bil.solutions/rdv/index-en.html?utm_source=BILCOM&utm_medium=C2A&utm_campaign=PRET_IMMO&utm_content=C2A-MENU" class="btn btn-white-revert">Arrange a meeting at your branch</a></li> </ul> </nav> <section class="reductions-pret" id="intro"> <div class="picture-container"> <img src="/PublishingImages/site-particuliers/visu-home-immo.jpg" alt=""> </div> <div class="container"> <div class="row"> <div class="col-md-5 col-sm-5"> <h1 class="title">BIL, your real estate partner</h1> <ul> <li>Would you like to finance the purchase of your primary residence or second home?</li> <li>Making a rental investment?</li> <li>Undertaking renovation work?</li> </ul> <p class="body intro-body">Since all real estate projects are significant undertakings, BIL can offer you advice and support through tailored financing solutions.</p> </div> </div> </div> </section> <section class="simulateur" id="simulateur"> <div class="container"> <div class="shadow-container"> <div class="row"> <div class="col-md-5 col-sm-4"> <h1 class="title">Simulate <br>your mortgage</h1> </div> <div class="col-md-7 col-xs-12 col-sm-8"> <ul class="parameters"> <li class="apport"> <label for="apport">Personal contribution</label> <input type="number" class="text-input" value="0" step="1000" max="99999" id="apport"> </li> <li class="taux"> <label for="taux">Nominal rate</label> <input type="text" id="taux" value="2.00"> </li> <li class="time"> <label for="time">Duration</label> <select name="time" id="time"> <option value="36"><span>3</span> years</option> <option value="48"><span>4</span> years</option> <option value="60"><span>5</span> years</option> <option value="72"><span>6</span> years</option> <option value="84"><span>7</span> years</option> <option value="96"><span>8</span> years</option> <option value="108"><span>9</span> years</option> <option value="120"><span>10</span> years</option> <option value="132"><span>11</span> years</option> <option value="144"><span>12</span> years</option> <option value="156"><span>13</span> years</option> <option value="168"><span>14</span> years</option> <option value="180"><span>15</span> years</option> <option value="192"><span>16</span> years</option> <option value="204"><span>17</span> years</option> <option value="216"><span>18</span> years</option> <option value="228"><span>19</span> years</option> <option value="240"><span>20</span> years</option> <option value="252"><span>21</span> years</option> <option value="264"><span>22</span> years</option> <option value="276"><span>23</span> years</option> <option value="288"><span>24</span> years</option> <option value="300" selected><span>25</span> years</option> <option value="312"><span>26</span> years</option> <option value="324"><span>27</span> years</option> <option value="336"><span>28</span> years</option> <option value="348"><span>29</span> years</option> <option value="360"><span>30</span> years</option> <option value="372"><span>31</span> years</option> <option value="384"><span>32</span> years</option> <option value="396"><span>33</span> years</option> <option value="408"><span>34</span> years</option> <option value="420"><span>35</span> years</option> <option value="432"><span>36</span> years</option> <option value="444"><span>37</span> years</option> <option value="456"><span>38</span> years</option> <option value="468"><span>39</span> years</option> <option value="480"><span>40</span> years</option> </select> </li> </ul> </div> </div> <div class="row simulator-container"> <div class="col-md-1"><span class="min">50,000 €</span></div> <div class="col-md-10 col-xs-12"> <div class="simulator"> <div class="range"> <input name="range" type="range" id="range" min="50000" max="1000000" step="10000" value="200000"> <div class="infos"> <p><span class="amount amount-en"></span> €</p> <p><span class="month month-en"></span> <span>€ <br>/ month</span></p> </div> </div> </div> </div> <div class="col-md-1"><span class="max">1,000,000€</span></div> </div> </div> <div class="row"> <div class="col-md-12 flexbox-center" style="margin-top: 60px;"> <a class="btn btn-violet incentive-btn" href="https://www.bil.com/form/simulateur-logement/index-en.html?">Apply for a loan</a> </div> </div> </div> </section> <section class="advantages" id="immoadvantages"> <div class="links-container"> <a href="#" class="brochure-link"></a> <a href="#" class="contact-link"></a> </div> <div class="container"> <div class="row"> <div class="col-md-12"> <h1 class="title text-center">Mortgage benefits</h1> </div> </div> <br> <div class="row row-big-icons"> <div class="col-md-3"> <a href="#empruntez" class="overlay-link scrolltolink"></a> <img src="/PublishingImages/site-all/icons/icon-thumb.svg" alt=""> <p class="body text-center">Reap the rewards of historically low interest rates</p> </div> <div class="col-md-3"> <a href="#epargnez" class="overlay-link scrolltolink"></a> <img src="/PublishingImages/site-all/icons/money.svg" alt=""> <p class="body text-center">Enjoy tax benefits</p> </div> <div class="col-md-3"> <a href="#quotidien" class="overlay-link scrolltolink"></a> <img src="/PublishingImages/site-all/icons/hands.svg" alt=""> <p class="body text-center">Take advantage of various incentives granted by the Luxembourg government </p> </div> <div class="col-md-3"> <a href="#quotidien" class="overlay-link scrolltolink"></a> <img src="/PublishingImages/site-all/icons/energy.svg" alt=""> <p class="body text-center">Benefit from the advantages offered by Immoplus Green loans while cutting your energy consumption </p> </div> </div> </div> </section> <section class="about" id="about"> <div class="container"> <div class="row"> <div class="col-md-12"> <h1 class="title text-center">Find out more about mortgages</h1> </div> </div> <div class="mansory"> <div class="about-container"> <h1 class="about-container-title">What are the different loan options available?</h1> <br> <h2>Fixed-rate loan</h2> <p>By its very nature, the fixed-rate loan is unaffected by financial market fluctuations. As such, your loan is repaid in regular monthly amounts throughout its term. You therefore avoid any hidden surprises in the event of interest rate rises. In exchange for this security, the interest rate on this loan is generally slightly higher than that of the variable-rate loan.</p> <br> <h2>Variable-rate loan</h2> <p>Interest rate fluctuations on the financial markets, whether upward or downward, affect your monthly repayments. Tip! To limit any upward fluctuations, opt for a capped-rate loan.</p> <br> <h2>Revisable-rate loan</h2> <p>This option allows you to keep a fixed rate of interest over three, five or ten years. At the end of this period, the interest rate will either be variable, fixed or revisable once again.</p> </div> <div class="col-md-4 about-container"> <h1 class="about-container-title">What is the loan term for a mortgage?</h1> <br> <p>In theory, repayments can be spread over a period of up to 40 years. In practice, the loan term depends on your age and monthly budget.</p> </div> <div class="col-md-4 about-container"> <h1 class="about-container-title">What is the maximum monthly payment amount?</h1> <br> <p>The amount of monthly loan payments for a household should generally not exceed a third of its permanent income. BIL advises you so as to define the monthly payment amount according to your income and what you are able to pay.</p> </div> <div class="col-md-4 about-container"> <h1 class="about-container-title">How can I secure my mortgage?</h1> <br> <p>The usual guarantees are as follows:</p> <ul> <li> <h2>Mortgage protection insurance.</h2> <p>This allows you to protect your relatives. In the event of the borrower’s death, the insurer covers the repayment of the capital outstanding to the lending institution.</p> </li> <li> <h2>First or second ranking mortgage.</h2> <p>The lending institution receives a security interest in respect of a building without the owner being dispossessed.</p> </li> <li> <h2>Wage assignment.</h2> <p>The borrower may voluntarily pay off their monthly loan payments by assigning a proportion of their salary to their creditor.</p> </li> <li> <h2>Joint and several guarantee.</h2> <p>A third party (or their heirs in the event of their death) undertakes to repay the debt in the event of the borrower’s default.</p> </li> </ul> </div> <div class="col-md-4 about-container"> <h1 class="about-container-title">Which documents should I submit to apply for a loan?</h1> <br> <p>The following documents are required:</p> <ul> <li> <p>provisional sale agreement signed by each party</p> </li> <li> <p>land registry plan</p> </li> <li> <p>proof of own funds (if they are not held in BIL accounts)</p> </li> <li> <p>details of existing loans</p> </li> <li> <p>your most recent pay slips</p> </li> <li> <p>any other documents required to open your account and to approve the funding sought</p> </li> </ul> <br> <p>Specific documents in the case of a new-build or renovation:</p> <ul> <li> <p>planning permission</p> </li> <li> <p>building plans</p> </li> <li> <p>photos of the property (inside and outside) in the event of a renovation</p> </li> <li> <p>plan, specifications or quotes in the case of a new-build.</p> </li> </ul> </div> <div class="col-md-4 about-container"> <h1 class="about-container-title">What are the tax benefits?</h1> <br> <h2>Debit interest on mortgages</h2> <br> <p>Debit interest for an owner-occupied home:</p> <ul> <li> <p>During the period when the property being built or renovated is not occupied: fully deductible</p> </li> <li> <p>After this period: tax deduction capped according to the number of members of the owner’s household for tax purposes and the occupancy start date</p> </li> </ul> <br> <p>Debit interest for a property rented out: fully deductible</p> <br> <h2>Income-related expenses</h2> <br> <p>Charges and commissions related to the loan (e.g. loan registration and notary fees attached to opening a credit line): fully deductible provided that you do not occupy your home at the time of paying these costs. Notarial deed fees related to the purchase of the property: not deductible</p> <br> <h2>Mortgage protection insurance premiums</h2> <br> <ul> <li><strong>Regular premiums</strong>: tax allowance of EUR 672 per year and per person within the household for tax purposes</li> <li><strong>Single premium</strong>: the single premium is only deductible for the year in which the premium is paid, but it may be subject to an increased limit or higher increased limit that varies depending on your age, tax class and family situation.</li> </ul> <br> <h2>Single premium increased ceiling</h2> <table> <tr> <th></th> <th>Up to 30 years old</th> <th>31 - 49 years old (*)</th> <th>Over 50 years old (**)</th> </tr> <tr> <td>Taxpayer</td> <td>EUR 6 000</td> <td>+ EUR 480 / year</td> <td>+ EUR 9600</td> </tr> <tr> <td>Jointly taxed couples</td> <td>EUR 6 000</td> <td>+ EUR 480 / year</td> <td>+ EUR 9 600</td> </tr> <tr> <td>Allowance per dependent child</td> <td>EUR 1 200</td> <td>+ EUR 96 / year</td> <td>+ EUR 1 920</td> </tr> </table> <br> <small>(*) For taxpayers aged 31 and over, the increased limit for a single premium is 8% x number of years over 30 at the time the insurance policy is taken out. </small> <small>(**) For taxpayers aged 50 and over, the increased limit for a single premium is capped at EUR 9,600. BIL relationship managers will gladly provide information regarding possible tax deductions.</small> <br><br> <h2>Les Responsables de relation BIL sont à votre disposition pour vous informer sur les possibilités de déduction fiscale.</h2> </div> <div class="col-md-4 about-container"> <h1 class="about-container-title">What government incentives are available?</h1> <br> <p>The Luxembourg government has a number of incentives for the construction, acquisition, renovation and conversion of housing by natural persons.</p> <br> <p>Several forms of incentive are available:</p> <br> <ul> <li>direct capital aid</li> <li>energy efficiency improvement subsidies</li> <li>subsidies for rainwater harvesting</li> <li>interest subsidies for loan repayment, etc.</li> </ul> <br> <p>Find out more</p> <p>Learn more about <a href="http://www.guichet.public.lu/citoyens/fr/logement/index.html" class="link" target="_blank">government household incentives and how to obtain them</a>. BIL relationship managers are also able to advise you.</p> </div> </div> <div class="row"> <div class="col-md-12"> <div class="flexbox-center"> <a href="https://www.bil.com/immoindex" target="_blank" class="btn btn-violet">BIL IMMOindex</a> <a href="https://www.bil.com/Documents/documentation-legale/fiche-credit-hypothecaire-en.pdf" target="_blank" class="btn btn-violet">General information on mortgage agreements</a> </div> </div> </div> </div> </section> </main> <script type="text/javascript" src="/Style Library/BIL/Scripts/immo-revamp.js"></script>
Personal car loanhttps://www.bil.com/en/individuals/products-and-services/borrow/Pages/personal-car-loan.aspxPersonal car loan<main> <section class="mission-pret"> <div class="container"> <div class="row"> <div class="col-md-12"> <div class="mission-image"> <div class="hideitem"></div> <img src="/PublishingImages/site-particuliers/mission-perso.jpg" alt=""> <div class="mission-text"> <h1>Personal car loan</h1> <h2>Do you need a loan to help fund your purchases and projects? With terms of up to five years and no nasty surprises, it couldn’t be easier with BIL’s personal loans. You can even apply online.</h2> </div> </div> </div> </div> </div> </section> <nav id="navbar"> <ul> <li><a href="#intro" class="scrolltolink">Personal loan</a></li> <li><a href="#simulateur" class="scrolltolink">Simulate your personal loan</a></li> <li><a href="#persoadvantages" class="scrolltolink">Benefits</a></li> <li><a href="#info" class="scrolltolink">Find out more about personal loans</a></li> <li><a href="https://bil.solutions/rdv/index-en.html?utm_source=BILCOM&utm_medium=C2A&utm_campaign=PRET_PERSO&utm_content=C2A-MENU" class="btn btn-white-revert">Arrange a meeting at your branch</a></li> </ul> </nav> <section class="reductions-pret" id="intro"> <div class="picture-container"> <img src="/PublishingImages/site-particuliers/visu-home-perso.jpg" alt=""> </div> <div class="container"> <div class="row"> <div class="col-md-5 col-sm-5"> <h1 class="title">Personal loan: the right loan for you and your projects!</h1> <p class="body intro-body">Whether it's for a car, a new kitchen, home project or holiday... With a BIL personal loan, you benefit from preferential terms to finance your exceptional expenses.</p> </div> </div> </div> </section> <section class="simulateur" id="simulateur"> <div class="container"> <div class="shadow-container"> <div class="row"> <div class="col-md-4 col-sm-4"> <h1 class="title">Simulate <br>your personal loan</h1> </div> <div class="col-md-8 col-xs-12 col-sm-8"> <ul class="parameters"> <li class="age"> <label for="age">I'm under <span>30</span></label> <input type="checkbox" id="age" class="switch"> </li> <li class="taux"> <label for="taux">Nominal rate</label> <input type="text" id="taux" value="3.00"> </li> <li class="time"> <label for="time">Duration</label> <select name="time" id="time"> <option value="12"><span>12</span> month</option> <option value="24"><span>24</span> month</option> <option value="36" selected><span>36</span> month</option> <option value="48"><span>48</span> month</option> <option value="60"><span>60</span> month</option> </select> </li> </ul> </div> </div> <div class="row simulator-container"> <div class="col-md-1"><span class="min">1,000 €</span></div> <div class="col-md-10 col-xs-12"> <div class="simulator"> <div class="range"> <input name="range" type="range" id="range" min="1000" max="60000" step="1000" value="30000"> <div class="infos"> <p><span class="amount"></span> €</p> <p><span class="month"></span> <span>€ <br>/ month</span></p> </div> </div> </div> </div> <div class="col-md-1"><span class="max">60,000€</span></div> </div> </div> <div class="row"> <div class="col-md-12 flexbox-center" style="margin-top: 60px;"> <a class="btn btn-violet incentive-btn en" href="https://www.bil.com/form/simulateur-personnel/index-en.html?">Apply for a loan</a> </div> </div> </div> </section> <section class="advantages" id="persoadvantages"> <div class="links-container"> <a href="#" class="brochure-link"></a> <a href="#" class="contact-link"></a> </div> <div class="container"> <div class="row"> <div class="col-md-12"> <h1 class="title text-center">The benefits <br>of a BIL personal loan</h1> </div> </div> <br> <div class="row row-big-icons"> <div class="col-md-4"> <a href="#empruntez" class="overlay-link scrolltolink"></a> <img src="/PublishingImages/site-all/icons/icon-thumb.svg" alt=""> <p class="body text-center">Take advantage of a fixed rate of interest</p> </div> <div class="col-md-4"> <a href="#empruntez" class="overlay-link scrolltolink"></a> <img src="/PublishingImages/site-all/icons/icon-time.svg" alt=""> <p class="body text-center">Select a loan term of between one and five years</p> </div> <div class="col-md-4"> <a href="#quotidien" class="overlay-link scrolltolink"></a> <img src="/PublishingImages/site-all/icons/icon-response.svg" alt=""> <p class="body text-center">Receive a prompt response to your loan application</p> </div> </div> <div class="row row-small-icons"> <div class="col-md-4"> <a href="#empruntez" class="overlay-link scrolltolink"></a> <img src="/PublishingImages/site-all/icons/round-pig.svg" alt=""> <p class="body text-center">Protect your personal savings</p> </div> <div class="col-md-4"> <a href="#epargnez" class="overlay-link scrolltolink"></a> <img src="/PublishingImages/site-all/icons/round-coin.svg" alt=""> <p class="body text-center">Access your funds quickly</p> </div> <div class="col-md-4"> <a href="#epargnez" class="overlay-link scrolltolink"></a> <img src="/PublishingImages/site-all/icons/round-money.svg" alt=""> <p class="body text-center">Benefit from tax-deductible loan interest</p> </div> </div> </div> </section> <section class="invest-perso" id="info"> <div class="container"> <div class="row"> <div class="col-md-12"> <div class="flex"> <div class="picture-container"> <img src="/PublishingImages/site-particuliers/mosaic_conso.jpg" alt=""> </div> <div class="content"> <h1 class="invest-title">Find out more about personal loans</h1> <ul> <li> <div> <h1>What can you use a personal loan for?</h1> <p>Personal loans are an alternative to paying for purchases or projects in cash:</p> <ul> <li>New or used motorhomes.</li> <li>Small landscaping projects, renovations or home improvements.</li> <li>Movable assets.</li> <li>Other exceptional expenses.</li> </ul> </div> </li> <li> <div> <h1>Why take out insurance?</h1> <p>Endowment life insurance is a specific life insurance policy offered when you take out a personal loan. In the event of the borrower’s death, the outstanding balance is repaid in full by the insurer to the lending institution, thus protecting your relatives from this cost. In practice, you pay an insurance premium at the start of your policy and benefit from a tax deduction.</p> </div> </li> <li> <div> <h1>What are the tax benefits?</h1> <p>As a consumer loan, a personal loan allows you to benefit from the tax advantages associated with exceptional expenses, provided that a tax declaration or annual statement is submitted in Luxembourg.</p> <ul> <li> <h2>Loan interest</h2> <p>You can deduct debit interest of up to EUR 336 per year and per person belonging to the household for tax purposes from your tax base in Luxembourg.</p> </li> <li> <h2>Insurance premium</h2> <p>Endowment life insurance of up to EUR 672 per year and per person belonging to the household for tax purposes is deductible from your taxable income, depending on your personal situation.</p> </li> </ul> </div> </li> </ul> </div> </div> </div> </div> </div> </section> </main> <script type="text/javascript" src="/Style Library/BIL/Scripts/perso-revamp.js"></script>
Student loan CEDIEShttps://www.bil.com/en/individuals/products-and-services/borrow/Pages/student-loan.aspxStudent loan CEDIES<main> <section class="mission-cedies"> <div class="container"> <div class="row"> <div class="col-md-12"> <div class="mission-image"> <div class="hideitem"></div> <img src="/PublishingImages/site-particuliers/mission-cedies.jpg" alt=""> <div class="mission-text"> <h1>Student Loan, <br>Let's talk about your <span id="mission-bold">plans</span> !</h1> <a href="#nobg" class="link-arrow scrolltolink" id="mission-scroll">More information</a> </div> </div> </div> </div> </div> </section> <nav id="navbar"> <ul> <li><a href="#cedies" class="scrolltolink">Student loan CEDIES</a></li> <li><a href="#calcul" class="scrolltolink">Calculate your financial assistance</a></li> <li><a href="#offer" class="scrolltolink">How to obtain a student loan?</a></li> <li><a href="#cedies" class="scrolltolink">Additional loan</a></li> <li><a href="https://bil.solutions/rdv/index-en.html?utm_source=BILCOM&utm_medium=C2A&utm_campaign=PRET_CEDIES&utm_content=C2A-MENU" class="btn btn-white-revert">Make an appointment</a></li> </ul> </nav> <section class="advantages" id="nobg"> <div class="links-container"> <a href="#" class="brochure-link"></a> <a href="#" class="contact-link"></a> </div> <div class="container"> <div class="row"> <div class="col-md-12"> <h1 class="title text-center">Take advantage of a government <br>CEDIES student loan thanks to BIL</h1> <p class="body intro-body text-center">After entering into an agreement with the Luxembourg government, BIL can offer you access to a CEDIES student loan:</p> </div> </div> <div class="row row-big-icons"> <div class="col-md-4"> <img src="/PublishingImages/site-all/icons/round-studies.svg" alt=""> <p class="body text-center">Hassle-free repayments that can start <strong>two years after you complete your studies</strong> and extend over a maximum ten- year period</p> </div> <div class="col-md-4"> <img src="/PublishingImages/site-all/icons/round-calculator.svg" alt=""> <p class="body text-center">A state-subsidised special <strong>maximum rate of 2%</strong></p> </div> <div class="col-md-4"> <img src="/PublishingImages/site-all/icons/round-gift.svg" alt=""> <p class="body text-center">Exclusive B-student offer: <strong>EUR 200 gift</strong> when you take out your first CEDIES loan</p> </div> </div> </div> </section> <section class="calcul" id="calcul"> <div class="container"> <div class="row"> <div class="col-md-12"> <h1 class="title text-center">Calculate your financial assistance</h1> </div> </div> <div class="row"> <div class="col-md-8 col-md-offset-2 col-xs-12"> <div id="sb-container"> <!-- SimBourse: Input Form --> <div class="form"> <fieldset> <!-- Étudiant salarié / non-salarié --> <div class="row form-group"> <label class="control-label" for="sb-has-salary"> <p>My situation :</p> </label> <div class="row-flexbox"> <label for="sb-has-salary-no" class="input-radio"> <input type="radio" name="sb-has-salary" id="sb-has-salary-no" value="0" checked="checked" /> <span>Non-salaried student</span> </label> <label for="sb-has-salary-yes" class="input-radio"> <input type="radio" name="sb-has-salary" id="sb-has-salary-yes" value="1" /> <span>Salaried student</span> </label> </div> <!-- Revenu mensuel étudiant --> <div class="row form-group" style="display:none;"> <label class="control-label" for="sb-student-salary"><span>Revenu mensuel imposable de l'étudiant</span> :</label> <div class="row-flexbox"> <div class="select-container"> <select id="sb-student-salary" class="dnnFormItem select"></select> </div> </div> </div> <!-- Mobilité --> <div class="row form-group"> <label class="control-label" for="sb-mobility"> <p>I am studying outside my country of residence and I pay a rent:</p> </label> <div class="row-flexbox"> <label for="sb-mobility-yes" class="input-radio"> <input type="radio" name="sb-mobility" id="sb-mobility-yes" value="1" checked="checked" /> <span>Yes</span> </label> <label for="sb-mobility-no" class="input-radio"> <input type="radio" name="sb-mobility" id="sb-mobility-no" value="0" /> <span>No</span> </label> </div> </div> <!-- Revenu semestriel parents --> <div class="row form-group"> <label class="control-label" for="sb-parents-salary"><span>Taxable annual household income</span> <i class="disclaimer-number">1</i> :</label> <div class="row-flexbox"> <div class="select-container"> <select id="sb-parents-salary" class="dnnFormItem select"></select> </div> </div> </div> <!-- Children --> <div class="row form-group"> <label class="control-label" for="sb-children"><span>Number of children in the household who are studying</span> :</label> <div class="row-flexbox no-space clearfix"> <div class="radio-element"> <input type="radio" id="sb-children" value="1" name="number" checked> <span>1</span> </div> <div class="radio-element"> <input type="radio" id="sb-children" value="2" name="number"> <span>2</span> </div> <div class="radio-element"> <input type="radio" id="sb-children" value="3" name="number"> <span>3</span> </div> <div class="radio-element"> <input type="radio" id="sb-children" value="4" name="number"> <span>4</span> </div> <div class="radio-element"> <input type="radio" id="sb-children" value="5" name="number"> <span>5</span> </div> <div class="radio-element"> <input type="radio" id="sb-children" value="6" name="number"> <span>6</span> </div> <div class="radio-element"> <input type="radio" id="sb-children" value="7" name="number"> <span>7</span> </div> <div class="radio-element"> <input type="radio" id="sb-children" value="8" name="number"> <span>8</span> </div> <div class="radio-element"> <input type="radio" id="sb-children" value="9" name="number"> <span>9</span> </div> </div> </div> <!-- Registration Fees --> <div class="row form-group"> <label class="control-label" for="sb-registration-fees"><span>University registration fees</span> :</label> <div class="row-flexbox"> <div class="input-text-container"> <input type="number" id="sb-registration-fees" placeholder="0" value="0" min="0" step="1" class="dnnFormItem text-right input-text" /> </div> </div> </div> <!-- Disposition anti cumul --> <div class="row"> <div class="info-container"> <h1>Provisions against overlapping benefits</h1> <p>The amounts of any grants, student loans, child benefits and housing aid that you receive in your country of residence per semester are fully deducted from the financial aid granted by the Luxembourg state for higher education.</p> </div> </div> <!-- SimBourse: Disclaimer --> <small class="small-info">The simulation is for information purposes only. The amount allocated is calculated by the government based on the supporting documents to be sent with the form.</small> <br> <div class="row form-group"> <div class="text-center"> <button id="sb-calculate" class="btn btn-violet en">Calculate</button> </div> </div> </fieldset> <!-- SimBourse: Results --> <div id="sb-results" style="display:none;"> <hr /> <div class="row"> <div class="col-md-8 col-xs-8" data-localized-fr="Bourse de base :" data-localized-de="Basisstipendium:">Bourse de base :</div> <div class="col-md-4"><label id="sb-result-base" class="pull-right"></label></div> </div> <div class="row"> <div class="col-md-8 col-xs-8" data-localized-fr="Bourse de mobilité :" data-localized-de="Mobilitätsstipendium:">Bourse de mobilité :</div> <div class="col-md-4 col-xs-4"><label id="sb-result-mobility" class="pull-right"></label></div> </div> <div class="row"> <div class="col-md-8 col-xs-8" data-localized-fr="Bourse sociale :" data-localized-de="Sozialstipendium:">Bourse sociale :</div> <div class="col-md-4 col-xs-4"><label id="sb-result-social" class="pull-right"></label></div> </div> <div class="row"> <div class="col-md-8 col-xs-8" data-localized-fr="Bourse de famille :" data-localized-de="Familienstipendium:">Bourse de famille :</div> <div class="col-md-4 col-xs-4"><label id="sb-result-children" class="pull-right"></label></div> </div> <div class="row"> <div class="col-md-8 col-xs-8" data-localized-fr="Frais d'inscription :" data-localized-de="Einschreibegebühren:">Frais d'inscription :</div> <div class="col-md-4 col-xs-4"><label id="sb-result-registration" class="pull-right"></label></div> </div> <div class="row" style="font-weight:bold;"> <div class="col-md-8 col-xs-8" data-localized-fr="Total semestriel des bourses :" data-localized-de="Semestrielles Gesamtstipendium:">Total semestriel des bourses :</div> <div class="col-md-4 col-xs-4"><label id="sb-result-bourse-total" class="pull-right"></label></div> </div> <hr /> <div class="row"> <div class="col-md-8 col-xs-8" data-localized-fr="Prêt de base :" data-localized-de="Basisdarlehen:">Prêt de base :</div> <div class="col-md-4 col-xs-4"><label id="sb-result-pret-base" class="pull-right"></label></div> </div> <div class="row"> <div class="col-md-8 col-xs-7"> <div data-localized-fr="Prêt additionnel :" data-localized-de="Zusatzdarlehen:">Prêt additionnel :</div> <ul style="margin: 0px 0px;"> <li data-localized-fr="Pour bourse sociale :" data-localized-de="Für Sozialstipendium:">Pour bourse sociale :</li> <li data-localized-fr="Pour frais d'inscription :" data-localized-de="Für Einschreibegebühren:">Pour frais d'inscription :</li> <li data-localized-fr="Pour revenu supérieur au SSM :" data-localized-de="Für Einkommen über dem Mindestlohn:">Pour revenu supérieur au SSM :</li> </ul> </div> <div class="col-md-4 col-xs-5"> <br /> <div class="clearfix"><label id="sb-result-pret-social" class="pull-right" style="margin:0;"></label></div> <div class="clearfix"><label id="sb-result-pret-registration" class="pull-right" style="margin:0;"></label></div> <div class="clearfix"><label id="sb-result-pret-bourse" class="pull-right" style="margin:0;"></label></div> </div> </div> <div class="row" style="font-weight:bold;"> <div class="col-md-8 col-xs-8" data-localized-fr="Total semestriel du prêt-étudiant :" data-localized-de="Semestrielles Gesamtdarlehen:">Total semestriel du prêt-étudiant :</div> <div class="col-md-4 col-xs-4"><label id="sb-result-pret-total" class="pull-right"></label></div> </div> </div> </div> </div> <!-- EO SimBourse --> </div> </div> </div> </section> <section class="offer" id="offer"> <div class="container"> <div class="row"> <div class="col-md-8 col-md-offset-2"> <h1 class="title text-center">Thanks to BIL, you can access the additional benefit of a 0% advance of EUR 3,000!</h1> <br> <p class="body text-center">This advance allows you to cover your initial expenses, bridging the gap in the event of a delay in obtaining your government student loan. You will repay this advance three months after your student loan is paid, with no charges incurred.</p> </div> </div> </div> </section> <section class="how"> <div class="container"> <div class="row"> <div class="col-md-12"> <h1 class="title text-center">How to obtain a government student loan</h1> </div> <div class="col-md-4"> <span>1</span> <p class="body">Check that you meet the eligibility criteria for this loan and complete your application online on the « Centre for Documentation and Information on Higher Education » website.</p> <br> <div class="flexbox-center"> <a href="http://portal.education.lu/etudes/" target="_blank" class="btn-violet btn">Access the CEDIES website</a> </div> </div> <div class="col-md-4"> <div class="bar"></div> </div> <div class="col-md-4"> <span>2</span> <p class="body">Then visit the BIL branch of your choice with the acceptance letter from CEDIES.</p> <br> <div class="flexbox-center"> <a href="https://bil.solutions/rdv/index-en.html?utm_source=BILCOM&utm_medium=C2A&utm_campaign=PRET_CEDIES&utm_content=C2A-PAGE" class="btn-violet btn">Make an appointment</a> </div> </div> </div> </div> </section> <section class="advantages advantages-pret" id="cedies"> <div class="links-container"> <a href="#" class="brochure-link"></a> <a href="#" class="contact-link"></a> </div> <div class="container"> <div class="row"> <div class="col-md-12"> <h1 class="title text-center">Do you need an additional loan? <br>Choose BIL College</h1> <p class="body intro-body text-center">The BIL College loan meets your additional financing needs so you can complete your university studies. It allows you to take advantage of significant benefits:</p> </div> </div> <div class="row row-big-icons"> <div class="col-md-4"> <img src="/PublishingImages/site-all/icons/round-money.svg" alt=""> <p class="body text-center">A loan of up to <strong>EUR 12,500</strong></p> </div> <div class="col-md-4"> <img src="/PublishingImages/site-all/icons/round-calculator.svg" alt=""> <p class="body text-center"><strong>A preferential interest rate</strong></p> </div> <div class="col-md-4"> <img src="/PublishingImages/site-all/icons/round-studies.svg" alt=""> <p class="body text-center">Hassle-free repayments that can start <strong>two years after you complete your studies</strong> at the latest and extend over a maximum five-year period</p> </div> </div> </div> </section> <section class="rdv" id="pret"> <div class="container"> <div class="row"> <div class="col-md-6 col-md-offset-3"> <h1 class="title text-center">How to apply ?</h1> <br> <p class="body text-center">Visit the BIL branch of your choice with a certificate of enrolment at a higher education institution.</p> <br> <div class="flexbox-center"> <a href="https://bil.solutions/rdv/index-en.html?utm_source=BILCOM&utm_medium=C2A&utm_campaign=PRET_CEDIES&utm_content=C2A-FOOTER" class="btn btn-violet">Make an appointment in a branch</a> </div> </div> </div> </div> </section> <div class="conditions"> <div class="container"> <div class="row"> <div class="col-md-12"> <ul> <li>Parents, parent and spouse, student and spouse / partner</li> </ul> </div> </div> </div> </div> </main>