1 2 3<!DOCTYPE html > 4<html dir="ltr" lang="en-US"> 5 <head><meta property="og:site_name" content="Banque Internationale à Luxembourg" /><meta property="og:description" content="BIL offers products and services tailored to your daily needs, for all periods of your life. Find out more now!" /><meta property="og:title" content="Individuals | Banque Internationale à Luxembourg" /><meta http-equiv="X-UA-Compatible" content="IE=Edge" /><meta name="format-detection" content="telephone=yes" /><meta name="apple-mobile-web-app-capable" content="yes" /><meta name="viewport" content="viewport-fit=cover, width=device-width, initial-scale=1, maximum-scale=1, user-scalable=no" /><meta name="apple-touch-fullscreen" content="yes" /><meta property="og:type" content="website" /><meta property="fb:app_id" content="1537577046535677" /><meta name="twitter:card" content="summary_large_image" /><meta name="twitter:site" content="@BIL_LUX" /><meta name="GENERATOR" content="Microsoft SharePoint" /><meta http-equiv="Content-Type" content="text/html; charset=utf-8" /><meta http-equiv="Expires" content="0" /><title> 6 Individuals | Banque Internationale à Luxembourg 7</title>
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79<script type="text/javascript" src="https://www.bil.com/Style Library/BIL/Scripts/jquery-1.11.3.min.js?rev=2"></script>
79<script type="text/javascript" src="https://www.bil.com/Style Library/BIL/Scripts/iziModal.min.js?rev=2"></script>
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79<script type="text/javascript" src="https://www.bil.com/Style Library/BIL/Scripts/jquery-ui.min.js?rev=2"></script>
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495 <span class="sub-term"> 496 <span class="sub-term-inner">Billy Club (0-11 years old)</span> 497 </span> 498 </a> 499 </li> 500 <li> 501 <a class="sub-link-visual" href="/en/individuals/dedicated-offers/b-young/Pages/index.aspx"> 502 <img class="sub-visual" src="/PublishingImages/site-particuliers/byoung/B-young_header.jpg?renditionID=4" aria-hidden="true" /> 503 <span class="sub-term"> 504 <span class="sub-term-inner">B-young (12-17 years old)</span> 505 </span> 506 </a> 507 </li> 508 <li> 509 <a class="sub-link-visual" href="/en/individuals/dedicated-offers/gold-student/Pages/index.aspx"> 510 <img class="sub-visual" src="/PublishingImages/site-particuliers/bstudent/opengraph.jpg?renditionID=4" aria-hidden="true" /> 511 <span class="sub-term"> 512 <span class="sub-term-inner">BIL Gold (for students aged 18-27)</span> 513 </span> 514 </a> 515 </li> 516 <li> 517 <a class="sub-link-visual" href="/en/individuals/dedicated-offers/gold-active/Pages/index.aspx"> 518 <img class="sub-visual" src="/PublishingImages/site-particuliers/bactive/opengraph.jpg?renditionID=4" aria-hidden="true" /> 519 <span class="sub-term"> 520 <span class="sub-term-inner">BIL Gold (for young professionals aged 18-27)</span> 521 </span> 522 </a> 523 </li> 524 <li> 525 <a class="sub-link-visual" href="/en/individuals/dedicated-offers/cross-border/Pages/index.aspx"> 526 <img class="sub-visual" src="/PublishingImages/site-particuliers/header-offresdediees-frontaliers.jpg?renditionID=4" aria-hidden="true" /> 527 <span class="sub-term"> 528 <span class="sub-term-inner">Cross border</span> 529 </span> 530 </a> 531 </li> 532 <li> 533 <a class="sub-link-visual" href="/en/individuals/dedicated-offers/newcomers/Pages/Index.aspx"> 534 <img class="sub-visual" src="/PublishingImages/site-particuliers/nouveaux-arrivants/opengraph.jpg?renditionID=4" aria-hidden="true" /> 535 <span class="sub-term"> 536 <span class="sub-term-inner">Newcomers</span> 537 </span> 538 </a> 539 </li> 540 </ul> 541 </div> 542 </div> 543 </li> 544 <li> 545 <a class="smallvignette sub-link-1
 " href="/en/individuals/key-moments/Pages/index.aspx">Key moments</a> 546 <div class="sub-dropdown"> 547 <div class="page-wrapper"> 548 <ul class="sub-list-visual"> 549 <li> 550 <a class="sub-link-visual" href="/en/individuals/key-moments/Pages/your-first-job.aspx"> 551 <img class="sub-visual" src="/PublishingImages/site-particuliers/header-momentscles-votrepremieremploi.jpg?renditionID=4" aria-hidden="true" /> 552 <span class="sub-term"> 553 <span class="sub-term-inner">Your first job</span> 554 </span> 555 </a> 556 </li> 557 <li> 558 <a class="sub-link-visual" href="/en/individuals/key-moments/Pages/prepare-for-the-birth-of-your-child.aspx"> 559 <img class="sub-visual" src="/PublishingImages/site-particuliers/header-momentscles-arriveedunenfant.jpg?renditionID=4" aria-hidden="true" /> 560 <span class="sub-term"> 561 <span class="sub-term-inner">Prepare for the birth of your child</span> 562 </span> 563 </a> 564 </li> 565 <li> 566 <a class="sub-link-visual" href="/en/individuals/key-moments/Pages/purchase-a-home.aspx"> 567 <img class="sub-visual" src="/PublishingImages/site-particuliers/header-momentscles-logement.jpg?renditionID=4" aria-hidden="true" />
568 <span class="sub-term"> 569 <span class="sub-term-inner">Purchase a home</span> 570 </span> 571 </a> 572 </li> 573 <li> 574 <a class="sub-link-visual" href="/en/individuals/key-moments/Pages/buying-a-second-home.aspx"> 575 <img class="sub-visual" src="/PublishingImages/site-particuliers/header-momentscles-residence-secondaire.jpg?renditionID=4" aria-hidden="true" /> 576 <span class="sub-term"> 577 <span class="sub-term-inner">Buying a second home</span> 578 </span> 579 </a> 580 </li> 581 <li> 582 <a class="sub-link-visual" href="/en/individuals/key-moments/Pages/your-banking-assets-in-the-event-of-divorce-or-separation.aspx"> 583 <img class="sub-visual" src="/PublishingImages/site-particuliers/header-momentscles-divorceouseparation.jpg?renditionID=4" aria-hidden="true" /> 584 <span class="sub-term"> 585 <span class="sub-term-inner">Divorce or separation</span> 586 </span> 587 </a> 588 </li> 589 <li> 590 <a class="sub-link-visual" href="/en/individuals/key-moments/Pages/manage-your-retirement.aspx"> 591 <img class="sub-visual" src="/PublishingImages/site-particuliers/header-momentscles-gerezvotreretraite.jpg?renditionID=4" aria-hidden="true" /> 592 <span class="sub-term"> 593 <span class="sub-term-inner">Manage your retirement</span> 594 </span> 595 </a> 596 </li> 597 <li> 598 <a class="sub-link-visual" href="/en/individuals/key-moments/Pages/Just-arrived-in-Luxembourg.aspx"> 599 <img class="sub-visual" src="/PublishingImages/site-particuliers/nouveaux-arrivants/qualite_vie.png?renditionID=4" aria-hidden="true" /> 600 <span class="sub-term"> 601 <span class="sub-term-inner">Just arrived in Luxembourg?</span> 602 </span> 603 </a> 604 </li> 605 </ul> 606 </div> 607 </div> 608 </li> 609 <li> 610 <a class="smallvignette sub-link-1
 " href="/en/individuals/questions-and-contact/Pages/Index.aspx">Help and contact</a> 611 <div class="sub-dropdown"> 612 <div class="page-wrapper"> 613 <ul class="sub-list-visual"> 614 <li> 615 <a class="sub-link-visual" href="/en/individuals/questions-and-contact/Pages/Index.aspx"> 616 <img class="sub-visual" src="/PublishingImages/site-particuliers/header-momentscles-logement.jpg?renditionID=4" aria-hidden="true" /> 617 <span class="sub-term"> 618 <span class="sub-term-inner">FAQ and contact</span> 619 </span> 620 </a> 621 </li> 622 <li> 623 <a class="sub-link-visual" href="/static/bilnetapp/index-en.html"> 624 <img class="sub-visual" src="/PublishingImages/site-particuliers/menu%20aide%20et%20contact%20-%20vignettes/vignette-aide-bilnet.jpg" aria-hidden="true" /> 625 <span class="sub-term"> 626 <span class="sub-term-inner">BILnet help</span> 627 </span> 628 </a> 629 </li> 630 <li> 631 <a class="sub-link-visual" href="/en/individuals/security-prevention/Pages/Index.aspx"> 632 <img class="sub-visual" src="/PublishingImages/site-particuliers/menu%20aide%20et%20contact%20-%20vignettes/vignette-fraudes.jpg" aria-hidden="true" /> 633 <span class="sub-term"> 634 <span class="sub-term-inner">Security/Prevention</span> 635 </span> 636 </a> 637 </li> 638 </ul> 639 </div> 640 </div> 641 </li> 642 <li> 643 <a class="cache sub-link-1
 " href="/static/devenir-client/open-bank-account.html?utm_source=BILCOM&utm_medium=HEADER-NAV&utm_content=C2A-DEVENIR-CLIENT&utm_term=EER-STA">Become a client</a> 644 </li> 645 <li> 646 <a class="cache sub-link-1
 " href="#">Toolbox</a> 647 <div class="sub-dropdown"> 648 <div class="page-wrapper"> 649 <ul class="sub-list-2"> 650 <li> 651 <a class="sub-link-2" href="/en/individuals/Pages/contact.aspx#section-map">Branches and ATM</a> 652 </li> 653 <li> 654 <a class="sub-link-2" href="/en/individuals/products-and-services/borrow/Pages/mortgage.aspx">Simulate your mortgage</a> 655 </li> 656 <li> 657 <a class="sub-link-2" href="/en/individuals/products-and-services/borrow/Pages/personal-loan.aspx">Simulate your personal loan</a> 658 </li> 659 <li> 660 <a class="sub-link-2" href="/en/individuals/products-and-services/save/Pages/savings-accounts.aspx#simulateur">Simulate your savings</a> 661 </li> 662 <li> 663 <a class="sub-link-2" href="/en/individuals/products-and-services/invest/funds/Pages/Funds-list.aspx">BIL Invest funds</a> 664 </li> 665 <li> 666 <a class="sub-link-2" href="/cutoff/en/cut-off.html">Cut-Off SDD</a> 667 </li> 668 <li> 669 <a class="sub-link-2" href="/en/individuals/products-and-services/managing-day-to-day-finances/bank-cards/Pages/Index.aspx#payment">Visa payment dates</a> 670 </li> 671 </ul> 672 </div> 673 </div> 674 </li> 675 </ul> 676 </BODY> 677</HTML> 678<HTML xmlns="http://www.w3.org/TR/REC-html40"> 679 <HEAD> 680 <TITLE>Navigation Top subMenu</TITLE> 681 </HEAD> 682 <BODY /> 683</HTML> 684<HTML xmlns="http://www.w3.org/TR/REC-html40"> 685 <HEAD> 686 <TITLE>Navigation Top subMenu</TITLE> 687 </HEAD> 688 <BODY /> 689</HTML> 690<HTML xmlns="http://www.w3.org/TR/REC-html40"> 691 <HEAD> 692 <TITLE>Navigation Top subMenu</TITLE> 693 </HEAD> 694 <BODY /> 695</HTML> 696<HTML xmlns="http://www.w3.org/TR/REC-html40"> 697 <HEAD> 698 <TITLE>Navigation Top subMenu</TITLE> 699 </HEAD> 700 <BODY /> 701</HTML> 702<HTML xmlns="http://www.w3.org/TR/REC-html40"> 703 <HEAD> 704 <TITLE>Navigation Top subMenu</TITLE> 705 </HEAD> 706 <BODY /> 707</HTML> 708</div> 709 </div> 710 <div id="page-header-desktop-col-3"> 711 <div id="ctl00_g_96808161_5d73_439d_836d_6b195fdb5807" __MarkupType="vsattributemarkup" __WebPartId="{96808161-5d73-439d-836d-6b195fdb5807}" WebPart="true" IsClosed="false"> 712 713 <ul class='navigationLinkList'> 714 715 <li class='navigationLinkItem'><a class='navigationLink' href='/static/devenir-client/open-bank-account.html?utm_source=BILCOM&utm_medium=HEADER-NAV&utm_content=C2A-DEVENIR-CLIENT&utm_term=EER-STA'>Become a client</a></li> 716 717 </ul> 718 719 720</div> 721 </div> 722 </div> 723 </div> 724 </div> 725 </div> 726 </div>
727 <span id="DeltaPlaceHolderMain"> 728 729 730 <div id="news"> 731 <div class="ms-webpart-chrome ms-webpart-chrome-fullWidth "> 732 <div WebPartID="00000000-0000-0000-0000-000000000000" HasPers="true" id="WebPartWPQ3" width="100%" class="ms-WPBody noindex " OnlyForMePart="true" allowDelete="false" style="" ><div componentid="ctl00_PlaceHolderMain_CustomCSWPPressRelease_csr" id="ctl00_PlaceHolderMain_CustomCSWPPressRelease_csr"></div><noscript><div id="ctl00_PlaceHolderMain_CustomCSWPPressRelease_noscript">It looks like your browser does not have JavaScript enabled. Please turn on JavaScript and try again.</div></noscript><div id="ctl00_PlaceHolderMain_CustomCSWPPressRelease"> 733 <div class="ms-webpart-chrome ms-webpart-chrome-fullWidth "> 734 <div class="ms-webpart-chrome-title" id="WebPartWPQ7_ChromeTitle"> 735 <span title="" id="WebPartTitleWPQ7" class="js-webpart-titleCell"><h2 style="text-align:justify;" class="ms-webpart-titleText"><nobr><span></span><span id="WebPartCaptionWPQ7"></span></nobr></h2></span> 736 </div><div WebPartID="00000000-0000-0000-0000-000000000000" HasPers="true" id="WebPartWPQ7" width="100%" class="ms-WPBody ms-WPBorder noindex ms-wpContentDivSpace " OnlyForMePart="true" allowDelete="false" style="" ><div componentid="ctl00_PlaceHolderMain_CustomCSWPPressRelease_ctl00_csr" id="ctl00_PlaceHolderMain_CustomCSWPPressRelease_ctl00_csr"></div><noscript><div id="ctl00_PlaceHolderMain_CustomCSWPPressRelease_ctl00_noscript">It looks like your browser does not have JavaScript enabled. Please turn on JavaScript and try again.</div></noscript><div id="ctl00_PlaceHolderMain_CustomCSWPPressRelease_ctl00"> 737 738 </div><div class="ms-clear"></div></div> 739 </div> 740 </div><div class="ms-clear"></div></div> 741</div> 742 </div> 743 744 <div id="ctl00_PlaceHolderMain_EditModePanelDisplay"> 745 746 <div id="page-body"> 747 <link rel="stylesheet" type="text/css" href="/Style%20Library/BIL/CSS/newshome.css"/> 748<link rel="stylesheet" href="/Style%20Library/BIL/Scripts/simulateur/simu_new.css"> 749<link rel="stylesheet" href="/Style%20Library/BIL/CSS/pret-logement.css"> 750<style> 751 .overlay { z-index: 2147483647 !important; position: fixed !important; inset: 0 !important; } 752 753/* Empêche tout clic derrière quand la modal est ouverte */ 754body.modal-open *:not(.overlay):not(.overlay *) { pointer-events: none; } 755 756/* Le contenu de la modal reste cliquable */ 757.overlay, .overlay * { pointer-events: auto; } 758 759/* Bonus: bloque le scroll de fond */ 760body.modal-open { overflow: hidden !important; } 761 762 </style> 763 764 765 766<div id="simuSimple" class="overlay" data-instance="simple" role="dialog" aria-modal="true" aria-labelledby="titleSimple" data-initialized="false"> 767 <div class="overlay-content"> 768<span class="close-btn" role="button" tabindex="0" aria-label="Fermer">Ã</span> 769 770<section id="simudepot"> 771 <div id="simulator"> 772 <h1>Simulate your monthly mortgage repayments</h1> 773 774 <div class="row"> 775 <div class="col-lg-12"> 776 <form id="simucontainer" role="form" aria-describedby="legalNote"> 777 <!-- Déjà client (même style que Durée du crédit) --> 778 <fieldset id="clientStatusFieldset" class="a11y-fieldset" aria-describedby="clientStatusHint"> 779 <legend class="legend-as-duration">Already a customer 780</legend> 781 <p id="clientStatusHint" class="visually-hidden">Select yes if you are already a customer, otherwise no.</p> 782 783 <div class="radio-container" role="radiogroup" aria-label="Déjà client"> 784 <label class="labelrad" style="margin-right:1rem;"> 785 Yes 786 <input type="radio" name="clientStatus" id="clientOui" value="oui"> 787 <span class="checkmark" aria-hidden="true"></span> 788 </label> 789 <label class="labelrad"> 790 No 791 <input type="radio" name="clientStatus" id="clientNon" value="non" checked="checked"> 792 <span class="checkmark" aria-hidden="true"></span> 793 </label> 794 </div> 795 </fieldset> 796<hr> 797 <!-- Montants --> 798 <div id="amountContainer" role="group" aria-labelledby="amountGroupLabel">
799 <span id="amountGroupLabel" class="visually-hidden">Amount borrowed 800</span> 801 802 <div class="bil-input"> 803 <label for="amount"> 804 <div class="bil-input__description">Amount borrowed 805</div> 806 <div class="bil-input__container"> 807 <div class="bil-input__wrapper"> 808 <input type="number" id="amount" class="ant-input" inputmode="decimal" 809 aria-describedby="amountHelp" min="0" step="100" autocomplete="off"> 810 </div> 811 </div> 812 </label> 813 <span id="amountHelp" class="visually-hidden">Amount borrowed in euros, without space separator.</span> 814 </div> 815 816 <div class="bil-input"> 817 <label for="apportPersonnel"> 818 <div class="bil-input__description">Personal contribution</div> 819 <div class="bil-input__container"> 820 <div class="bil-input__wrapper"> 821 <input type="number" id="apportPersonnel" class="ant-input" inputmode="decimal" 822 aria-describedby="apportHelp" min="0" step="100" autocomplete="off"> 823 </div> 824 </div> 825 </label> 826 <span id="apportHelp" class="visually-hidden">Personal contribution</span> 827 <p>We recommend a minimum contribution of 10% of the propertyâs cost.</p> 828 </div> 829 </div> 830 831 <!-- Durée --> 832 <div id="durationContainer"> 833 <div id="durationContainer1" role="group" aria-labelledby="durationText" aria-describedby="durationValue"> 834 <!-- on transforme le titre en vrai label accessible --> 835 <label id="durationText" for="duration">Duration of mortgage</label> 836 <span id="durationValue" aria-live="polite">10 years</span> 837 </div> 838 839 <div id="filledTrack" aria-hidden="true"></div> 840 <div id="filledTrackempty" aria-hidden="true"></div> 841 842 <input type="range" id="duration" min="0" max="25" step="1" value="20" list="tickmarks" 843 aria-valuemin="10" aria-valuemax="35" aria-describedby="durationValue"> 844 <datalist id="tickmarks"> 845 <option value="0">10 years</option> 846 <option value="1">11 years</option> 847 <option value="2">12 years</option> 848 <option value="3">13 years</option> 849 <option value="4">14 years</option> 850 <option value="5">15 years</option> 851 <option value="6">16 years</option> 852 <option value="7">17 years</option> 853 <option value="8">18 years</option> 854 <option value="9">19 years</option> 855 <option value="10">20 years</option> 856 <option value="11">21 years</option> 857 <option value="12">22 years</option> 858 <option value="13">23 years</option> 859 <option value="14">24 years</option> 860 <option value="15">25 years</option> 861 <option value="16">26 years</option> 862 <option value="17">27 years</option> 863 <option value="18">28 years</option> 864 <option value="19">29 years</option> 865 <option value="20">30 years</option> 866 <option value="21">31 years</option> 867 <option value="22">32 years</option> 868 <option value="23">33 years</option> 869 <option value="24">34 years</option> 870 <option value="25">35 years</option> 871 </datalist> 872 </div> 873 874 <hr> 875 876 <!-- Taux --> 877 <fieldset id="rateFieldset" class="a11y-fieldset"> 878 <legend id="titretaux" class="legend-as-duration">Rate</legend> 879 880 <div class="radio-container" role="radiogroup" aria-labelledby="titretaux"> 881 <label class="labelrad" style="margin-right:1rem;"> 882 Fixed 883 <input type="radio" name="rateType" id="fixe" value="fixe" checked="checked">
884 <span class="checkmark" aria-hidden="true"></span> 885 </label> 886 <label class="labelrad"> 887 Variable 888 <input type="radio" name="rateType" id="variable" value="variable"> 889 <span class="checkmark" aria-hidden="true"></span> 890 </label> 891 </div> 892 </fieldset> 893 894 <div id="inputContainer"> 895 <div id="inputContainer1"> 896 <!-- annonce polie du taux courant --> 897 <span id="valBox" role="status" aria-live="polite"></span> 898 </div> 899 <input type="range" id="interestRate" value="3.80" min="0.1" max="10" step="0.01" 900 aria-label="Taux d'intérêts (pourcentage)"> 901 <div id="filledTracktaux" aria-hidden="true"></div> 902 <div id="filledTrackemptytaux" aria-hidden="true"></div> 903 </div> 904 905 <hr> 906 907 <!-- Mensualités --> 908 <div id="interestAmountContainer"> 909 <label for="interestAmount">Monthly repayments:</label> 910 <!-- role=status + aria-live pour les lecteurs dâécran --> 911 <input type="text" id="interestAmount" readonly role="status" aria-live="polite" aria-atomic="true" /> 912 </div> 913 914 <!-- Bouton en bas --> 915 <div id="btnwrapper" style="margin-top:1rem;"> 916 <a id="btnmore" 917 role="button" 918 tabindex="0" 919 class="contact__link contact__link--meet cta-more" 920 aria-controls="simucontainer" 921 aria-describedby="btnmoreHint"> 922 Continue 923 924 </a> 925 <span id="btnmoreHint" class="visually-hidden">Continue 926</span> 927</div> 928 929 930 </form> 931 932 <!-- Message si "Déjà client = Oui" --> 933<div id="messageClientOui" class="more-message" role="region" aria-live="polite" hidden> 934 935 <!-- Exemples multilingue --> 936 <div data-lang="en"> 937 <h3>Thank you for using our simulator.</h3> 938<p>Still thinking things over? Take the time to prepare your project at your own pace.</p> 939 940<p>Take a look at <a href="/Documents/brochures/Ebook_pret_immo_en.pdf " target="_blank" onclick="gtag('event', 'DL_PDF_pretimmo', { 'Categorie': 'BTN', 'Action': 'DL_PDF'});">our «Preparing your mortgage application» brochure</a>. </p> 941 942<h3>Ready to take the next step?</h3> 943<p>Find out more about the key steps a real estate project involves via myLIFE, fine-tune your approach, and explore your financing options with the help of our resources:</p> 944<ul><li><a href="https://my-life.lu/en/real-estate-folder-61001/" target="_blank">Real Estate folder</a></li> 945<li><a href="https://my-life.lu/en/homeowners-what-support-is-available-for-you-12017/" target="_blank">Homeowners: what support is available for you?</a> </li> 946<li><a href="https://my-life.lu/en/buying-property-10056/" target="_blank">Buying property</a></li></ul> 947<p>Once your project has been finalised (agreement signed or clearly identified), you can launch your mortgage application via a BILnet secure message. We will be by your side to assist with your financing application. </p> 948 949 </div> 950 951 952 <a href="#" 953 class="btn-back contact__link contact__link--meet cta-more" 954 role="button" 955 tabindex="0" 956 aria-controls="simucontainer">Back</a> 957</div> 958 959<!-- Message si "Déjà client = Non" --> 960<div id="messageClientNon" class="more-message" role="region" aria-live="polite" hidden> 961 962 <div data-lang="en"> 963 <h3>Thank you for using our simulator.</h3> 964<p>Still thinking things over? Take the time to prepare your project at your own pace.</p> 965 966<p>Take a look at <a href="/Documents/brochures/Ebook_pret_immo_en.pdf " target="_blank" onclick="gtag('event', 'DL_PDF_pretimmo', { 'Categorie': 'BTN', 'Action': 'DL_PDF'});">our «Preparing your mortgage application» brochure</a>. </p> 967 968<h3>Ready to take the next step?</h3> 969<p>Find out more about the key steps a real estate project involves via myLIFE, fine-tune your approach, and explore your financing options with the help of our resources:</p> 970<ul><li><a href="https://my-life.lu/en/real-estate-folder-61001/" target="_blank">Real Estate folder</a></li> 971<li><a href="https://my-life.lu/en/homeowners-what-support-is-available-for-you-12017/" target="_blank">Homeowners: what support is available for you?</a> </li> 972<li><a href="https://my-life.lu/en/buying-property-10056/" target="_blank">Buying property</a></li></ul> 973<p>Once your project has been finalised (agreement signed or clearly identified), we will be by your side to assist with your financing application. </p> 974
975 </div> 976 977<a href="#" 978 class="btn-back contact__link contact__link--meet cta-more" 979 role="button" 980 tabindex="0" 981 aria-controls="simucontainer">Back</a> 982 983</div> 984 985 </div> 986 </div> 987 988 <p id="legalNote">This simulation is calculated for information purposes only, without any commitment as to its completeness, accuracy, or timeliness, and does not imply any commitment or agreement on the part of BIL. 989</p> 990 <p>Example: A mortgage of EUR 500,000.00, repayable over 25 years at a borrowing rate of 3.75% per annum, unchanged over the entire term of the mortgage, gives rise to 300 monthly repayments of EUR 2553.56 The Annual Percentage Rate (APR) is 3.82% per annum. Total amount owed by the borrower: EUR 766.068,00 (excluding insurance and any administration fees). Please note that this APR is calculated on the basis of an interest rate remaining at the level set for the initial period throughout the term of the contract. 991</p> 992 </div> 993</section> 994 995 996 </div> 997 </div> 998 999 <div id="simuComplexe" class="overlay" data-instance="complexe" role="dialog" aria-modal="true" aria-labelledby="titleComplexe" data-initialized="false"> 1000 <div class="overlay-content"><span class="close-btn" role="button" tabindex="0" aria-label="Fermer">Ã</span> 1001<h2 id="titleComplexe"></h2> 1002<section id="simudepot"> 1003 <div id="simulator"> 1004 <h1>Simulate your monthly mortgage repayments</h1> 1005<div id="disclaimertop"> 1006<p>What you need to know before starting your mortgage application. 1007</p> 1008<p>We are committed to providing you with personalised and transparent support. To that end, please be aware of the following: 1009</p> 1010<ul> 1011<li>Financing is reserved for properties located in the Greater Region (Luxembourg, France, Germany, Belgium). 1012</li> 1013<li>The application shall only be considered valid if the borrower is aged 65 or under at the end date of the mortgage. 1014</li> 1015<li>Your salary must be paid into a BIL account in order to avoid the application of a surcharge on the interest rate applicable to the mortgage.</li> 1016</ul></div> 1017 <div class="row" style="margin-top:25px;"> 1018 <!-- Colonne gauche : simulateur simple complet --> 1019 <div class="col-lg-6" style=" 1020 border-right: 1px solid #ed098a; 1021 padding-right: 25px; 1022"> 1023 <form id="simucontainer" role="form" aria-describedby="legalNoteComplex"> 1024 <!-- Déjà client --> 1025 <fieldset id="clientStatusFieldsetCx" class="a11y-fieldset" aria-describedby="clientStatusHintCx"> 1026 <legend class="legend-as-duration">Already a customer</legend> 1027 <p id="clientStatusHintCx" class="visually-hidden">Select yes if you are already a customer, otherwise no.</p> 1028 1029 <div class="radio-container" role="radiogroup" aria-label="Déjà client"> 1030 <label class="labelrad" style="margin-right:1rem;"> 1031 Yes 1032 <input type="radio" name="clientStatus" id="clientOui" value="oui"> 1033 <span class="checkmark" aria-hidden="true"></span> 1034 </label> 1035 <label class="labelrad"> 1036 No 1037 <input type="radio" name="clientStatus" id="clientNon" value="non" checked="checked"> 1038 <span class="checkmark" aria-hidden="true"></span> 1039 </label> 1040 </div> 1041 </fieldset> 1042 1043 <hr> 1044 1045 <!-- Montants --> 1046 <div id="amountContainer" role="group" aria-labelledby="amountGroupLabelCx"> 1047 <span id="amountGroupLabelCx" class="visually-hidden">Amount borrowed 1048</span> 1049 1050 <div class="bil-input"> 1051 <label for="amount"> 1052 <div class="bil-input__description">Amount borrowed 1053</div> 1054 <div class="bil-input__container"> 1055 <div class="bil-input__wrapper"> 1056 <input type="number" id="amount" class="ant-input" inputmode="decimal" 1057 aria-describedby="amountHelpCx" min="0" step="100" autocomplete="off"> 1058 </div> 1059 </div> 1060 </label>
1061 <span id="amountHelpCx" class="visually-hidden">Amount borrowed</span> 1062 </div> 1063 1064 <div class="bil-input"> 1065 <label for="apportPersonnel"> 1066 <div class="bil-input__description">Personal contribution</div> 1067 <div class="bil-input__container"> 1068 <div class="bil-input__wrapper"> 1069 <input type="number" id="apportPersonnel" class="ant-input" inputmode="decimal" 1070 aria-describedby="apportHelpCx" min="0" step="100" autocomplete="off"> 1071 </div> 1072 </div> 1073 </label> 1074 <span id="apportHelpCx" class="visually-hidden">Personal contribution</span> 1075 <p>We recommend a minimum contribution of 10% of the propertyâs cost.</p> 1076 </div> 1077 </div> 1078 1079 <!-- Durée --> 1080 <div id="durationContainer"> 1081 <div id="durationContainer1" role="group" aria-labelledby="durationTextCx" aria-describedby="durationValue"> 1082 <label id="durationTextCx" for="duration">Duration of mortgage</label> 1083 <span id="durationValue" aria-live="polite">10 years</span> 1084 </div> 1085 1086 <div id="filledTrack" aria-hidden="true"></div> 1087 <div id="filledTrackempty" aria-hidden="true"></div> 1088 1089 <input type="range" id="duration" min="0" max="25" step="1" value="20" list="tickmarks" 1090 aria-valuemin="10" aria-valuemax="35" aria-describedby="durationValue"> 1091 <datalist id="tickmarks"> 1092 <option value="0">10 years</option> 1093 <option value="1">11 years</option> 1094 <option value="2">12 years</option> 1095 <option value="3">13 years</option> 1096 <option value="4">14 years</option> 1097 <option value="5">15 years</option> 1098 <option value="6">16 years</option> 1099 <option value="7">17 years</option> 1100 <option value="8">18 years</option> 1101 <option value="9">19 years</option> 1102 <option value="10">20 years</option> 1103 <option value="11">21 years</option> 1104 <option value="12">22 years</option> 1105 <option value="13">23 years</option> 1106 <option value="14">24 years</option> 1107 <option value="15">25 years</option> 1108 <option value="16">26 years</option> 1109 <option value="17">27 years</option> 1110 <option value="18">28 years</option> 1111 <option value="19">29 years</option> 1112 <option value="20">30 years</option> 1113 <option value="21">31 years</option> 1114 <option value="22">32 years</option> 1115 <option value="23">33 years</option> 1116 <option value="24">34 years</option> 1117 <option value="25">35 years</option> 1118 </datalist> 1119 </div> 1120 1121 <hr> 1122 1123 <!-- Taux --> 1124 <fieldset id="rateFieldsetCx" class="a11y-fieldset"> 1125 <legend id="titretauxCx" class="legend-as-duration">Rate</legend> 1126 1127 <div class="radio-container" role="radiogroup" aria-labelledby="titretauxCx"> 1128 <label class="labelrad" style="margin-right:1rem;"> 1129 Fixed 1130 <input type="radio" name="rateType" id="fixe" value="fixe" checked="checked"> 1131 <span class="checkmark" aria-hidden="true"></span> 1132 </label> 1133 <label class="labelrad"> 1134 Variable 1135 <input type="radio" name="rateType" id="variable" value="variable"> 1136 <span class="checkmark" aria-hidden="true"></span> 1137 </label> 1138 </div> 1139 </fieldset> 1140 1141 <div id="inputContainer"> 1142 <div id="inputContainer1"> 1143 <span id="valBox" role="status" aria-live="polite"></span> 1144 </div> 1145 <input type="range" id="interestRate" value="3.80" min="0.1" max="10" step="0.01" 1146 aria-label="Taux d'intérêts (pourcentage)"> 1147 <div id="filledTracktaux" aria-hidden="true"></div> 1148 <div id="filledTrackemptytaux" aria-hidden="true"></div> 1149 </div> 1150 1151 <hr> 1152 1153 <!-- Mensualités --> 1154 <div id="interestAmountContainer"> 1155 <label for="interestAmount">Monthly repayments:</label> 1156 <input type="text" id="interestAmount" readonly role="status" aria-l
1156ive="polite" aria-atomic="true" /> 1157 </div> 1158 1159 1160 </form> 1161 </div> 1162 1163 <!-- Colonne droite : champs supplémentaires "complexe" --> 1164 <div class="col-lg-6" style="padding-left: 25px; 1165"> 1166 <form id="simucontainerCx" role="form"> 1167 <!-- Vous souhaitez financer votre projet... --> 1168 <fieldset id="holderFieldsetCx" class="a11y-fieldset"> 1169 <legend class="legend-as-duration">You want to finance your project</legend> 1170 <div class="radio-container" role="radiogroup" aria-label="Nombre de titulaires"> 1171 <label class="labelrad" style="margin-right:1rem;"> 1172 Alone 1173 <input type="radio" id="titulaire1" name="nombreTitulaires" value="1" checked> 1174 <span class="checkmark" aria-hidden="true"></span> 1175 </label> 1176 <label class="labelrad"> 1177 With a partner 1178 <input type="radio" id="titulaire2" name="nombreTitulaires" value="2"> 1179 <span class="checkmark" aria-hidden="true"></span> 1180 </label> 1181 </div> 1182 </fieldset> 1183 1184 <!-- Nombre d'enfants à charge --> 1185 <div class="bil-input"> 1186 <label for="enfantCharge"> 1187 <div class="bil-input__description">Number of dependent children 1188</div> 1189 <div class="bil-input__container"> 1190 <div class="bil-input__wrapper"> 1191 <input type="number" id="enfantCharge" class="ant-input" value="0" min="0" step="1"> 1192 </div> 1193 </div> 1194 </label> 1195 </div> 1196 1197 <!-- Revenus --> 1198 <div class="bil-input"> 1199 <label for="RevenuNet"> 1200 <div class="bil-input__description">Net monthly income 1201</div> 1202 <div class="bil-input__container"> 1203 <div class="bil-input__wrapper"> 1204 <input type="number" id="RevenuNet" class="ant-input" value="0" min="0" step="1"> 1205 </div> 1206 </div> 1207 </label> 1208 </div> 1209 1210 <!-- Champ conditionnel si "à deux" --> 1211 <div class="bil-input" id="revenu2Wrap" style="display:none;"> 1212 <label for="RevenuNet2"> 1213 <div class="bil-input__description">Net monthly incomes Borrower 2</div> 1214 <div class="bil-input__container"> 1215 <div class="bil-input__wrapper"> 1216 <input type="number" id="RevenuNet2" class="ant-input" value="0" min="0" step="1"> 1217 </div> 1218 </div> 1219 </label> 1220 </div> 1221 1222 <!-- Revenu complémentaire --> 1223 <div class="bil-input"> 1224 <label for="AutreRevenu"> 1225 <div class="bil-input__description">Additional monthly income 1226<br><small>(Child benefit, alimony, rent, etc.)</small></div> 1227 <div class="bil-input__container"> 1228 <div class="bil-input__wrapper"> 1229 <input type="number" id="AutreRevenu" class="ant-input" value="0" min="0" step="1"> 1230 </div> 1231 </div> 1232 </label> 1233 </div> 1234 1235 <!-- Dépenses mensuelles --> 1236 <div class="bil-input"> 1237 <label for="AutrePret"> 1238 <div class="bil-input__description">Monthly expenses 1239 1240<br><small>(Other outstanding loans)</small></div> 1241 <div class="bil-input__container"> 1242 <div class="bil-input__wrapper"> 1243 <input type="number" id="AutrePret" class="ant-input" value="0" min="0" step="1"> 1244 </div> 1245 </div> 1246 </label> 1247 </div> 1248 1249 <!-- Ãtat dâavancement du projet --> 1250 <fieldset id="clientProjetContainerCx" class="a11y-fieldset"> 1251 <legend class="legend-as-duration">Project status 1252</legend> 1253 <div class="radio-container" role="radiogroup" aria-label="Ãtat du projet"> 1254 <label class="labelrad disblock" style="margin-right:1rem;"> 1255 I have a concrete project underway. 1256 <input type="radio" name="ProjetStatus" id="Projetconcret" value="1" checked>
1257 <span class="checkmark" aria-hidden="true"></span> 1258 </label> 1259 <label class="labelrad disblock"> 1260 I have signed a sales agreement. 1261 <input type="radio" name="ProjetStatus" id="Projetcompromis" value="2"> 1262 <span class="checkmark" aria-hidden="true"></span> 1263 </label> 1264 </div> 1265 </fieldset> 1266 <!-- Bouton en bas (libellé dynamique selon Déjà client) --> 1267 <div id="btnwrapper" style="margin-top:1rem;"> 1268 <a id="btnmore" 1269 role="button" 1270 tabindex="0" 1271 class="contact__link contact__link--meet cta-more" 1272 aria-controls="simucontainer" 1273 aria-describedby="btnmoreHint" onclick="gtag('event', 'GO', { 'Categorie': 'BTN', 'Action': 'suite_simulation_complexe'});"> 1274 Continue 1275 </a> 1276 <span id="btnmoreHint" class="visually-hidden">Open the next step of the simulation</span> 1277 </div> 1278 </form> 1279 </div> 1280 </div> 1281 1282 <!-- Bloc RAV sous le formulaire --> 1283 <div id="ravBlockCx" class="row" style="margin-top: 10px;display:none;"> 1284 <div class="col-lg-12"> 1285 <div> 1286 <label for="RAVmin">RAV Min :</label> 1287 <input type="text" id="RAVmin" readonly=""> 1288 <label for="RAV">RAV :</label> 1289 <input type="text" id="RAV" readonly=""> 1290 <label for="RatioMdi">Ratio MDI (minimum disposable income) :</label> 1291 <input type="text" id="RatioMdi" readonly=""> 1292<label for="RatioMdiStress">Ratio MDI stressé :</label> 1293<input type="text" id="RatioMdiStress" readonly> 1294 </div> 1295 1296 </div> 1297 </div> 1298 1299 <!-- VUES MESSAGE COMPLEXE --> 1300<div id="cxMsgLowMdi" class="more-message" role="region" aria-live="polite" hidden> 1301 <p>Based on the information provided, we are unable to provide a positive response to your project at this stage.</p> 1302<p>This does not mean that your project is unachievable â it may simply require some adjustments. 1303Please review certain criteria concerning your real estate project or consider making a larger down payment.</p> 1304 1305<p>Take the time to rethink your project at your own pace. We have a number of resources you may find useful:</p> 1306 1307<p>Take a look at <a href="/Documents/brochures/Ebook_pret_immo_en.pdf" target="_blank" onclick="gtag('event', 'DL_PDF_pretimmo', { 'Categorie': 'BTN', 'Action': 'DL_PDF'});">our brochure âPreparing your mortgage applicationâ</a>. </p> 1308 1309<h3>Ready to take the next step?</h3> 1310<p>Find out more about the key steps a real estate project involves via myLIFE, fine-tune your approach, and explore your financing options with the help of our resources:</p> 1311<ul><li><a href="https://my-life.lu/en/real-estate-folder-61001/" target="_blank">Real Estate folder</a></li> 1312<li><a href="https://my-life.lu/en/homeowners-what-support-is-available-for-you-12017/" target="_blank">Homeowners: what support is available for you?</a> </li> 1313<li><a href="https://my-life.lu/en/buying-property-10056/" target="_blank">Buying property</a></li></ul> 1314<p>Once your project has been finalised (agreement signed or clearly identified), we will be by your side to assist with your financing application. </p> 1315 1316 <a href="#" class="btn-back contact__link contact__link--meet cta-more" role="button" tabindex="0" aria-controls="simucontainer">Back</a> 1317</div> 1318 1319<div id="cxMsgClientOui" class="more-message" role="region" aria-live="polite" hidden> 1320 1321 1322 <h3 data-i18n="title">Thank you for using our simulator.</h3> 1323 1324 <p>As you are a BIL client, we invite you to submit your mortgage application via BILnet secure messaging. 1325 1326 1327</p> 1328<p>To do so, please copy and paste the following content in <b>a secure message:</b> 1329</p> 1330 <pre id="cxRecapText" style="white-space:pre-wrap; background:#f6f6f6; padding:1rem; border-radius:8px;"></pre> 1331 <div style="margin-top:.75rem; display:flex; gap:.5rem;"> 1332<a id="cxCopyBtn" class="contact__link contact__link--meet cta-more" 1333 role="button" tabindex="0" data-i18n="copy">Copier</a>
1334<span id="cxCopyStatus" role="status" aria-live="polite" aria-atomic="true"></span> 1335<pre id="cxRecapText"></pre> </div> 1336 1337<p>Once we have received your mortgage application, we will carefully review it. We will then contact you as soon as possible to assist you with the next stages of your real estate project. 1338</p> 1339 1340 <a href="#" class="btn-back contact__link contact__link--meet cta-more" role="button" tabindex="0" aria-controls="simucontainer">Back</a> 1341</div> 1342 1343<div id="cxMsgClientNon" class="more-message" role="region" aria-live="polite" hidden> 1344 <h3>Let's get to know each other 1345</h3> 1346 1347 <!-- IFRAME cible --> 1348 <iframe id="sendiframe" 1349 src="https://survey.bil.com/?e=469036&d=i&h=D3657778853E4F5&l=en" 1350 style="width:100%;height:auto;border:0" scrolling="yes"></iframe> 1351</div> 1352 1353<div class="btn-center"> 1354 <a href="#" class="btn-back contact__link contact__link--meet cta-more" role="button" tabindex="0" aria-controls="simucontainer">Restart the simulation from the beginning</a> 1355</div> 1356 1357 <!-- Notes légales spécifiques à la modale complexe --> 1358 <p id="legalNoteComplex">This simulation is calculated for information purposes only, without any commitment as to its completeness, accuracy, or timeliness, and does not imply any commitment or agreement on the part of BIL.</p> 1359 <p>Example: A mortgage of EUR 500,000.00, repayable over 25 years at a borrowing rate of 3.75% per annum, unchanged over the entire term of the mortgage, gives rise to 300 monthly repayments of EUR 2553.56 The Annual Percentage Rate (APR) is 3.82% per annum. Total amount owed by the borrower: EUR 766.068,00 (excluding insurance and any administration fees). Please note that this APR is calculated on the basis of an interest rate remaining at the level set for the initial period throughout the term of the contract. 1360</p> 1361 </div> 1362</section> 1363</div> 1364 </div> 1365 1366<div class="carousel-container large fullscreen"> 1367 <div class="carousel-track"> 1368 1369 <div class="carousel-slide image"> 1370 <div class="slide-bg" style="background-image: url('/static/wero/images/header-wero.jpg');"> 1371 </div> 1372 <div class="slide-trame"> 1373 <img src="/PublishingImages/site-all/campagnes/trame.png" alt="Trame décorative" /> 1374 </div> 1375 <div class="slide-content"> 1376 <h1 class="animated-title"> 1377 <span class="h1-light"></span> 1378 <span class="h1-bold"><span class="line">Payconiq is becoming Wero</span></span> 1379 </h1> 1380 <p class="subtitle-text">Enjoy the simplicity of mobile payments, now across Europe.</p> 1381 <a href="/static/wero/index-en.html?utm_source=BILCOM&utm_medium=HP_PARTICULIER_EN&utm_campaign=WERO" class="cta-button" target="blank">Letâs discover Wero!</a> 1382 </div> 1383 </div> 1384 1385 <div class="carousel-slide image"> 1386 <div class="slide-bg" style="background-image: url('/PublishingImages/site-particuliers/etudiant/aidefi.jpg');"> 1387 </div> 1388 <div class="slide-trame"> 1389 <img src="/PublishingImages/site-all/campagnes/trame.png" alt="Trame décorative" /> 1390 </div> 1391 <div class="slide-content"> 1392 <h1 class="animated-title"> 1393 <span class="h1-light">The student loan</span> 1394 <span class="h1-bold" style="font-family:Mona Condensed Light !important;"><span class="line">For your first big projects</span></span> 1395 </h1> 1396 <a href="/en/individuals/products-and-services/borrow/Pages/student-loan.aspx?utm_source=BILCOM&utm_medium=HP_PARTICULIER_EN&utm_campaign=AIDEFI" class="cta-button" target="blank">Write your own story</a> 1397 </div> 1398 </div> 1399 1400<div class="carousel-slide image"> 1401 <div class="slide-bg" style="background-image: url('/PublishingImages/site-all/campagnes/170.jpg');"> 1402 </div> 1403 <div class="slide-trame"> 1404 <img src="/PublishingImages/site-all/campagnes/trame.png" alt="Trame décorative" /> 1405 </div> 1406 <div class="slide-content"> 1407 <h1 class="animated-title"> 1408 <span class="h1-light"></span> 1409 <span class="h1-bold">170 years of <br><span class="line">building tomorrow together</span></span> 1410 </h1> 1411 <p class="subtitle-text">
1411We would like to thank our customers, partners and employees for the trust they have placed in us over so many years.</p> 1412 <a href="/static/history/index-en.html?utm_source=BILCOM&utm_medium=HP_PARTICULIER_EN&utm_campaign=HISTORY" class="cta-button" target="blank"> 1413 Explore the timeline 1414 </a> 1415 </div> 1416 </div> 1417 1418<div class="carousel-slide image"> 1419 <div class="slide-bg" style="background-image: url('/PublishingImages/site-all/campagnes/20386_BIL_WEALTHMANAGEMENT_BILNET_SITE_WEB_1920x600.jpg');"></div> 1420 <div class="slide-trame"> 1421 <img src="/PublishingImages/site-all/campagnes/trame.png" alt="Trame décorative" /> 1422 </div> 1423 <div class="slide-content"> 1424 <h1 class="animated-title"> 1425 <span class="h1-light">Build today,</span> 1426 <span class="h1-bold"><span class="line">pass on tomorrow</span></span> 1427 </h1> 1428 <a href="/en/wealth-management/Pages/entrepreneur.aspx?utm_source=BILCOM&utm_medium=RETAIL&utm_campaign=BO2025" class="cta-button"> 1429 Find out more 1430 </a> 1431 </div> 1432 </div> 1433 1434 1435 1436 1437 <div class="carousel-slide image"> 1438 <div class="slide-bg"> 1439 <video autoplay loop muted playsinline class="video-bg"> 1440 <source src="/PublishingImages/videos/trailer-header.mp4" type="video/mp4"> 1441 Your browser does not support the video tag. 1442 </video> 1443 </div> 1444 <div class="slide-trame"> 1445 <img src="/PublishingImages/site-all/campagnes/trame.png" alt="Trame décorative" /> 1446 </div> 1447 <div class="slide-content"> 1448 <h1 class="animated-title"> 1449 <span class="h1-light">Building tomorrow</span> 1450 <span class="h1-bold"><span class="line">Together</span></span> 1451 </h1> 1452 <a href="/static/buildingtomorrowtogether/index-en.html?utm_source=BIL-COM&utm_medium=HP_PARTICULIER_EN&utm_campaign=BTT" class="cta-button"> 1453 Find out more 1454 </a> 1455 </div> 1456 </div> 1457 <!--div class="carousel-slide image"> 1458 <div class="slide-bg" style="background-image: url('/PublishingImages/site-all/campagnes/FETE_NATIONALE_2025_EN.jpg');"></div> 1459 <div class="slide-trame"> 1460 <img src="/PublishingImages/site-all/campagnes/trame.png" alt="Trame décorative" /> 1461 </div> 1462 <div class="slide-content"> 1463 <h1 class="animated-title"> 1464 <span class="h1-light">Schéinen</span> 1465 <span class="h1-bold"><span class="line">Nationalfeierdag</span></span> 1466 </h1> 1467 <p class="subtitle-text"> 1468 Since 1856, we've written the story of Luxembourg â and yours â side by side. 1469 </p> 1470 </div> 1471 </div--> 1472 <div class="carousel-slide image"> 1473 <div class="slide-bg" style="background-image: url('/PublishingImages/site-all/campagnes/choisir-bil.jpg');"></div> 1474 <div class="slide-trame"> 1475 <img src="/PublishingImages/site-all/campagnes/trame.png" alt="Trame décorative" /> 1476 </div> 1477 <div class="slide-content"> 1478 <h1 class="animated-title"> 1479 <span class="h1-light">Choosing BIL</span> 1480 <span class="h1-bold">as your privileged<br><span class="line">financial partner.</span></span> 1481 </h1> 1482 <a href="/static/banque-principale/index-en.html?utm_source=BIL-COM&utm_medium=HP_PARTICULIER_EN&utm_campaign=BANQUEPRINCIPALE" class="cta-button"> 1483 Find out more 1484 </a> 1485 </div> 1486 </div> 1487 1488 1489 </div> 1490 <a class="carousel-prev" onclick="javascript:void(0);">â®</a> 1491 <a class="carousel-next" onclick="javascript:void(0);">â¯</a> 1492 <ul class="carousel-dots"></ul> 1493</div> 1494<section class="wrappertuto bilnettuto"> 1495 <div class="row tutcard" id="carte" style="margin-bottom:0;"> 1496 <div class="col-md-8"> 1497 <div class="content"> 1498 <h2>Need help with BILnet?</h2> 1499 <h5>Check out our tutorials!</h5> 1500 <a class="btn btn-violet-revert" href="/static/bilnetapp/index-en.html?utm_source=BILCOM&utm_medium=HP_EN&utm_campaign=MICROSITE-BILNET" target="_blank">Discover</a> 1501 </div> 1502 </div> 1503 <div class="col-md-4"><img alt="" src="/PublishingImages/site-particuliers/bilnettuto.png" style="max-height: 325px; width: auto;"></div> 1504 </div> 1505</section> 1506<div class="section-small is-silver hide-desktop"> 1507 <div class="page-wrapper"> 1508 <div class="grid-center"> 1509 <div id="img-full-width-devenir-client"> 1510 <p><a class="btn-default" href="https://www.bil.com/static/devenir-client/open-bank-account.html" style="margin-bottom: 0px;">Become a customer</a></p> 1511 </div> 1512 </div> 1513 </div> 1514</div> 1515<!-- section : simulateur immobilier --> 1516<div class="section-default"> 1517 <div class="page-wrapper"> 1518 <div class="grid-center"> 1519 <h2 class="title-1">Simulate your mortgage in an instant!</h2> 1520 <p>Whether youâre hoping to buy a house, an apartment or a plot of land, at a fixed or variable rate, BIL has the right solution for you.</p> 1521 <p>See also: <a href="https://www.bil.com/en/individuals/products-and-services/borrow/Pages/personal-car-loan.aspx" style="text-decoration:underline !important;">
1521personal loan simulator</a></p> 1522 </div> 1523 </div> 1524</div> 1525<section id="simulate" class="simulate"> 1526 <div class="container"> 1527 <div class="simulate-content"> 1528 <div class="simulate-top"> 1529 <h3>Taking the next steps in your project with BIL</h3> 1530 <h2>Simulate your mortgage</h2> 1531 <p>What stage are you at in your project?</p> 1532 </div> 1533 <div class="simulate-panel"> 1534 <a class="simulate-panel-item" onclick="openSimu('simple'); gtag('event', 'SNL_Simulation_Simple', { 'Categorie': 'BTN', 'Action': 'Simulez'});"> 1535 <div class="simulate-time"> 1536 <svg viewBox="0 0 19 19"> 1537 <g stroke="none" stroke-width="1" fill="none" fill-rule="evenodd" stroke-linecap="round" stroke-linejoin="round"> 1538 <g class="stroke" transform="translate(-896, -6829)" stroke-width="1.5"> 1539 <g transform="translate(121, 6450)"> 1540 <g transform="translate(706, 333)"> 1541 <g transform="translate(50, 35)"> 1542 <g transform="translate(20, 12)"> 1543 <path d="M17,8.5 C17,3.80560185 13.1943982,0 8.5,0 C3.80560185,0 0,3.80560185 0,8.5 C0,13.1943982 3.80560185,17 8.5,17 C13.1943982,17 17,13.1943982 17,8.5 Z" id="Stroke-1"></path> 1544 <line x1="8.53482071" y1="8.62059298" x2="8.53482071" y2="4.09709962" id="Stroke-3"></line> 1545 <line x1="8.53482071" y1="8.6966319" x2="12.1425569" y2="12.1170125" id="Stroke-5"></line> 1546 </g> 1547 </g> 1548 </g> 1549 </g> 1550 </g> 1551 </g> 1552 </svg> 1553 <p>5 minutes</p> 1554 </div> 1555 <h3>Estimate your mortgage </h3> 1556 <div class="text"> 1557 <p><b>Are you considering a property purchase or looking for the perfect place?</b><br/> 1558 Simulate your credit to know what you can afford, even before visiting. 1559 </p> 1560 </div> 1561 <p class="cta">Simulate your mortgage payments</p> 1562 </a> 1563 <a class="simulate-panel-item" onclick="openSimu('complexe'); gtag('event', 'SNL_Simulation_Complexe', { 'Categorie': 'BTN', 'Action': 'demande_pret'});"> 1564 <div class="simulate-time"> 1565 <svg viewBox="0 0 19 19"> 1566 <g stroke="none" stroke-width="1" fill="none" fill-rule="evenodd" stroke-linecap="round" stroke-linejoin="round"> 1567 <g class="stroke" transform="translate(-896, -6829)" stroke-width="1.5"> 1568 <g transform="translate(121, 6450)"> 1569 <g transform="translate(706, 333)"> 1570 <g transform="translate(50, 35)"> 1571 <g transform="translate(20, 12)"> 1572 <path d="M17,8.5 C17,3.80560185 13.1943982,0 8.5,0 C3.80560185,0 0,3.80560185 0,8.5 C0,13.1943982 3.80560185,17 8.5,17 C13.1943982,17 17,13.1943982 17,8.5 Z" id="Stroke-1"></path> 1573 <line x1="8.53482071" y1="8.62059298" x2="8.53482071" y2="4.09709962" id="Stroke-3"></line> 1574 <line x1="8.53482071" y1="8.6966319" x2="12.1425569" y2="12.1170125" id="Stroke-5"></line> 1575 </g> 1576 </g> 1577 </g> 1578 </g> 1579 </g> 1580 </g> 1581 </svg> 1582 <p>30 minutes</p> 1583 </div> 1584 <h3>Finance your property</h3> 1585 <div class="text"> 1586 <p><b>Have you found a property or signed a preliminary agreement?</b><br/> 1587 Youâve found the ideal property and want to finance it? Complete your application 1588 online and find an offer as solid as your project. 1589 </p> 1590 </div> 1591 <p class="cta">Start your mortgage application</p> 1592 </a> 1593 </div> 1594 </div> 1595 </div> 1596 </section> 1597<!--<section class="loans" id="simulateur"> 1598 <div class="container loans-simulateur">
1599 <div class="row steps"> 1600 <div class="col-md-4"> 1601 <a class="loan-step step-one" href="https://www.bil.com/en/individuals/products-and-services/borrow/Pages/mortgage.aspx#borrowing-abilities" onclick="gtag('event', 'PRET_LOGEMENT', { 'Categorie': 'BUTTON', 'Action': 'CAPACITE_DEMPRUNT'});"> 1602 <h1 class="subtitle-loan">Calculate my borrowing capacity</h1> 1603 <p><b>Are you thinking of buying soon?</b> Quickly calculate your borrowing capacity before starting your search.</p> 1604 <p class="loan-link">Estimate your budget</p></a> 1605 </div> 1606 <div class="col-md-4"> 1607 <a class="loan-step step-two" href="https://www.bil.com/en/individuals/products-and-services/borrow/Pages/mortgage.aspx#borrowing-simulation" onclick="gtag('event', 'PRET_LOGEMENT', { 'Categorie': 'BUTTON', 'Action': 'SIMULEZ_CREDIT'});"> 1608 <h1 class="subtitle-loan">Simulate my mortgage</h1> 1609 <p>Are you scouring the web for that rare gem? <b>Simulate your mortgage and monthly repayments</b> to prepare for future home viewings.</p> 1610 <p class="loan-link">Simulate your mortgage</p></a> 1611 </div> 1612 <div class="col-md-4"> 1613 <a class="loan-step step-three" href="https://www.bil.com/en/individuals/products-and-services/borrow/Pages/mortgage.aspx#borrowing-found-property" onclick="gtag('event', 'PRET_LOGEMENT', { 'Categorie': 'BUTTON', 'Action': 'DEMANDE_PRET'});" style="margin-bottom:0 !important;"> 1614 <h1 class="subtitle-loan">Iâve found a property!</h1> 1615 <p>Congratulations, youâre almost there. Complete your online mortgage application and <b>find an offer thatâs perfect for you.</b></p> 1616 <p class="loan-link">Start your mortgage application</p></a> 1617 </div> 1618 <div class="row"> 1619 <div class="col-md-12" style="text-align:center;"> 1620 <h1 class="subtitle" style="margin-bottom:3%; margin-top:4%;">Do you need advice before you get started?</h1><a class="btn btn-blue-inverse" href="https://www.bil.com/en/individuals/questions-and-contact/Pages/appointment.aspx?utm_source=BILCOM&utm_medium=C2A&utm_campaign=PRET-LOGEMENT&utm_content=C2A-SIMUL" style="border-radius:3px;" title="Prenez rendez-vous">Make an appointment</a> 1621 </div> 1622 </div> 1623 </div> 1624 </div> 1625 </section>--> 1626<!-- section : bilnet --> 1627<section class="section-third"> 1628 <div class="container"> 1629 <div class="row" style="text-align:left;"> 1630 <div class="col-md-6"><img alt="Appareils éléctroniques affichant BILnet" src="https://www.bil.com/PublishingImages/site-particuliers/home-new-bilnet-en.jpg"></div> 1631 <div class="col-md-6" style="padding: 15px 60px;"> 1632 <h5 style="margin-bottom: 30px; font-size: 28px; color: #702f8a; line-height: 1.5;">Enjoy all the benefits of your bank, remotely.</h5> 1633 <p style="margin-bottom: 30px; font-family: 'Open Sans Light' !important; font-size: 17px; line-height: 1.6; font-weight: 300; color: #444;">Make your transfers, consult and/or modify your standing orders, edit a bank account number, manage your accounts and much more; all from the comfort of your own home, without having to travel.</p> 1634 <p><a class="btn-default" href="https://www.bil.com/en/individuals/products-and-services/managing-day-to-day-finances/Pages/online-bank.aspx" title="Find out more">Find out more</a></p> 1635 </div> 1636 </div> 1637 </div> 1638</section> 1639 1640<ul class="list-pressroom" id="allnews" style="display:none;"></ul> 1641 1642 <section class="webstory --blog"> 1643 <div class="container"> 1644 <div class="webstory-top"> 1645 <h2 class="life-title" id="dernierenews">News</h2> 1646 <a href="/en/bil-group/pressroom/news/Pages/Index.aspx" id="envoirplus" class="cta --dk">View more</a> 1647 </div> 1648 1649 <div class="webstory-slider"> 1650 <a id="linknews1" href="#" class="webstory-slider-item"> 1651 <div class="webstory-slider-item-panel"> 1652 <div class="webstory-slider-item-img"> 1653 <div class="webstory-slider-item-img-panel"></div> 1654 <img id="imagenews1" src="/PublishingImages/site-groupebil/newstories/newsblank.png" alt=""> 1655 </div> 1656 <ul> 1657 <li> 1658 <svg width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="#702f8a" stroke-width="2" stroke-linecap="round"> 1659 <path stroke="none" d="M0 0h24v24H0z" fill="none"></path> 1660 <path d="M4 7a2 2 0 0 1 2 -2h12a2 2 0 0 1 2 2v12a2 2 0 0 1 -2 2h-12a2 2 0 0 1 -2 -2v-12"></path> 1661 <path d="M16 3v4"></path> 1662 <path d="M8 3v4"></path> 1663 <path d="M4 11h16"></path> 1664 <path d="M7 14h.013"></path> 1665 <path d="M10.01 14h.005"></path> 1666 <path d="M13.01 14h.005"></path> 1667 <path d="M16.015 14h.005"></path> 1668 <path d="M13.015 17h.005"></path> 1669 <path d="M7.01 17h.005"></path> 1670 <path d="M10.01 17h.005"></path> 1671 </svg> 1672 </li> 1673 <li> 1674 <p><span id="datenews1"></span></p> 1675 </li> 1676 </ul> 1677 <p id="titlenews1"></p>
1678 <svg class="arrow --pink" viewBox="0 0 70 70"> 1679 <circle cx="35" cy="35" r="33.6" /> 1680 <path d="M24,35h22M36.3,25.7l9.7,9.3-9.7,9.3" /> 1681 </svg> 1682 </div> 1683 </a> 1684 <a id="linknews2" href="#" class="webstory-slider-item"> 1685 <div class="webstory-slider-item-panel"> 1686 <div class="webstory-slider-item-img"> 1687 <div class="webstory-slider-item-img-panel"></div> 1688 <img id="imagenews2" src="/PublishingImages/site-groupebil/newstories/newsblank.png" alt=""> 1689 </div> 1690 <ul> 1691 <li> 1692 <svg width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="#702f8a" stroke-width="2" stroke-linecap="round"> 1693 <path stroke="none" d="M0 0h24v24H0z" fill="none"></path> 1694 <path d="M4 7a2 2 0 0 1 2 -2h12a2 2 0 0 1 2 2v12a2 2 0 0 1 -2 2h-12a2 2 0 0 1 -2 -2v-12"></path> 1695 <path d="M16 3v4"></path> 1696 <path d="M8 3v4"></path> 1697 <path d="M4 11h16"></path> 1698 <path d="M7 14h.013"></path> 1699 <path d="M10.01 14h.005"></path> 1700 <path d="M13.01 14h.005"></path> 1701 <path d="M16.015 14h.005"></path> 1702 <path d="M13.015 17h.005"></path> 1703 <path d="M7.01 17h.005"></path> 1704 <path d="M10.01 17h.005"></path> 1705 </svg> 1706 </li> 1707 <li> 1708 <p><span id="datenews2"></span></p> 1709 </li> 1710 </ul> 1711 <p id="titlenews2"></p> 1712 <svg class="arrow --pink" viewBox="0 0 70 70"> 1713 <circle cx="35" cy="35" r="33.6" /> 1714 <path d="M24,35h22M36.3,25.7l9.7,9.3-9.7,9.3" /> 1715 </svg> 1716 </div> 1717 </a> 1718 <a id="linknews3" href="#" class="webstory-slider-item"> 1719 <div class="webstory-slider-item-panel"> 1720 <div class="webstory-slider-item-img"> 1721 <div class="webstory-slider-item-img-panel"></div> 1722 <img id="imagenews3" src="/PublishingImages/site-groupebil/newstories/newsblank.png" alt=""> 1723 </div> 1724 <ul> 1725 <li> 1726 <svg width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="#702f8a" stroke-width="2" stroke-linecap="round"> 1727 <path stroke="none" d="M0 0h24v24H0z" fill="none"></path> 1728 <path d="M4 7a2 2 0 0 1 2 -2h12a2 2 0 0 1 2 2v12a2 2 0 0 1 -2 2h-12a2 2 0 0 1 -2 -2v-12"></path> 1729 <path d="M16 3v4"></path> 1730 <path d="M8 3v4"></path> 1731 <path d="M4 11h16"></path> 1732 <path d="M7 14h.013"></path> 1733 <path d="M10.01 14h.005"></path> 1734 <path d="M13.01 14h.005"></path> 1735 <path d="M16.015 14h.005"></path> 1736 <path d="M13.015 17h.005"></path> 1737 <path d="M7.01 17h.005"></path> 1738 <path d="M10.01 17h.005"></path> 1739 </svg> 1740 </li> 1741 <li> 1742 <p><span id="datenews3"></span></p> 1743 </li> 1744 </ul> 1745 <p id="titlenews3"></p> 1746 <svg class="arrow --pink" viewBox="0 0 70 70"> 1747 <circle cx="35" cy="35" r="33.6" /> 1748 <path d="M24,35h22M36.3,25.7l9.7,9.3-9.7,9.3" /> 1749 </svg> 1750 </div> 1751 </a> 1752 </div> 1753 </div> 1754 <a href="/en/bil-group/pressroom/news/Pages/Index.aspx" id="envoirpluss" class="cta --mob">View more</a> 1755 </div> 1756 </section> 1757 1758<div class="carousel-container large fullscreen"> 1759 <div class="carousel-track"> 1760 <!--slide 1--> 1761 <div class="carousel-slide image"> 1762 <div class="slide-bg" style="background-image: url('/PublishingImages/site-groupebil/header-carriere-2.jpg');"> 1763 </div> 1764 <div class="slide-trame"> 1765 <img src="/PublishingImages/site-all/campagnes/trame.png" alt="Trame décorative" /> 1766 </div> 1767 <div class="slide-content"> 1768 <h1 class="animated-title"> 1769 <span class="h1-light"></span> 1770 <span class="h1-bold"><span class="line">Careers Website</span></span> 1771 </h1> 1772 <p class="subtitle-text"> 1773 Discover the testimonials of our experts, consult the articles of the blog and apply for one of our vacancies posts: 1774 </p> 1775 <a href="https://stayforacareer.com/" title="BIL Careers Website - Discover the testimonials of our experts, consult the articles of the blog and apply for one of our vacancies posts." class="cta-button"> 1776 Discover </a> 1777 </div> 1778 </div> 1779 </div> 1780 <a class="carousel-prev" onclick="javascript:void(0);">â®</a> 1781 <a class="carousel-next" onclick="javascript:void(0);">â¯</a> 1782 <ul class="carousel-dots"></ul> 1783</div> 1784</div> 1785<div class="section-default"> 1786 <div class="articles" data-categorie="me-and-my-family-fr" id="mylifecontent"></div> 1787</div> 1788<div class="popupform"> 1789 <div class="popupform-container"> 1790 <div class="popupform-content"> 1791 <iframe id="sendiframe" src="https://survey.bil.com/?e=415826&d=i&h=886A2BCBBEAA141&l=en" style="width:100%;height:auto;border:0" scrolling="yes"></iframe> 1792 </div> 1793 </div> 1794 <svg class="popupform-quit" fill="#FFFFFF" viewBox="0 0 24 24"> 1795 <path d="M 4.7070312 3.2929688 L 3.2929688 4.7070312 L 10.585938 12 L 3.2929688 19.292969 L 4.7070312 20.707031 L 12 13.414062 L 19.292969 20.707031 L 20.707031 19.292969 L 13.414062 12 L 20.707031 4.7070312 L 19.292969 3.2929688 L 12 10.585938 L 4.7070312 3.2929688 z"/> 1796 </svg> 1797</div> 1798
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1991<script> 1992(function($){ 1993 var $ov = $('#simuSimple'); 1994 if (!$ov.length) return; 1995 1996 // 1) Trouver le BON conteneur parent qui inclut le form + les messages 1997 // Dans ton HTML, c'est: #simulator > .row > .col-lg-12 1998 function getBlock(){ 1999 var $blk = $ov.find('#simulator .row .col-lg-12').first(); 2000 if ($blk.length) return $blk; 2001 // fallback au cas où la structure change 2002 var $form = $ov.find('#simucontainer'); 2003 var $msgs = $ov.find('#messageClientOui, #messageClientNon'); 2004 // ancêtre commun le plus proche 2005 var $a = $form.first().parents().addBack(); 2006 for (var i=0;i<$a.length;i++){ 2007 var el = $a[i]; 2008 if ($(el).has($msgs[0]).length) return $(el); 2009 } 2010 return $ov; // dernier recours 2011 } 2012 2013 function legal(){ 2014 var $start = $ov.find('#legalNote'); 2015 var $next = $start.length ? $start.nextAll('p').first() : $(); 2016 return $start.add($next); 2017 } 2018 2019 function showMsg(){ 2020 var $block = getBlock(); 2021 var $msgs = $ov.find('#messageClientOui, #messageClientNon'); 2022 var clientOui = $ov.find('#clientOui').is(':checked'); 2023 var sel = clientOui ? '#messageClientOui' : '#messageClientNon'; 2024 var $target = $ov.find(sel); 2025 2026 // Masquer tous les enfants DIRECTS du bloc, sauf les 2 messages 2027 $block.children().each(function(){ 2028 if (this.id === 'messageClientOui' || this.id === 'messageClientNon') return; 2029 this.setAttribute('hidden','hidden'); 2030 }); 2031 2032 // Cacher les deux messages puis afficher le bon 2033 $msgs.attr('hidden','hidden'); 2034 $target.removeAttr('hidden').attr('tabindex','-1').focus(); 2035 2036 // Cacher les légales (qui sont hors de $block) 2037 legal().attr('hidden','hidden'); 2038 2039 // (Optionnel) Cacher le H1 si nécessaire 2040 $ov.find('#simulator > h1').attr('hidden','hidden'); 2041 } 2042 2043 function backToForm(){ 2044 var $block = getBlock(); 2045 var $msgs = $ov.find('#messageClientOui, #messageClientNon'); 2046 2047 // Cacher les messages 2048 $msgs.attr('hidden','hidden'); 2049 2050 // Ré-afficher tous les autres enfants du bloc (form, etc.) 2051 $block.children().each(function(){ 2052 if (this.id === 'messageClientOui' || this.id === 'messageClientNon') return; 2053 this.removeAttribute('hidden'); 2054 }); 2055 2056 // Ré-afficher les légales et le H1 éventuel 2057 legal().removeAttr('hidden'); 2058 $ov.find('#simulator > h1').removeAttr('hidden'); 2059 2060 // Focus confort 2061 $ov.find('#titleSimple').attr('tabindex','-1').focus(); 2062 } 2063 2064 // 2) Handlers SCOPÃS à la modale simple, et on coupe les autres qui interféreraient 2065 $(document) 2066 .off('click', '#simuSimple #btnmore') 2067 .off('keydown', '#simuSimple #btnmore') 2068 .on('click', '#simuSimple #btnmore', function(e){ e.preventDefault(); e.stopImmediatePropagation(); showMsg(); }) 2069 .on('keydown', '#simuSimple #btnmore', function(e){ 2070 if (e.key === 'Enter' || e.key === ' ') { e.preventDefault(); e.stopImmediatePropagation(); showMsg(); } 2071 }) 2072 .off('click keydown', '#simuSimple .btn-back') 2073 .on('click keydown', '#simuSimple .btn-back', function(e){ 2074 if (e.type==='keydown' && !(e.key==='Enter'||e.key===' ')) return; 2075 e.preventDefault(); e.stopImmediatePropagation(); backToForm(); 2076 }); 2077 2078})(jQuery); 2079</script>
2079 2080
2081<script type="application/ld+json"> 2082{ 2083 "@context": "https://schema.org", 2084 "@graph": [ 2085 { 2086 "@type": "Organization", 2087 "@id": "https://www.bil.com/#org", 2088 "name": "Banque Internationale à Luxembourg (BIL)", 2089 "url": "https://www.bil.com/", 2090 "foundingDate": "1856", 2091 "legalName": "Banque Internationale à Luxembourg S.A.", 2092 "address": { 2093 "@type": "PostalAddress", 2094 "streetAddress": "69, Route d'Esch", 2095 "postalCode": "L-2953", 2096 "addressLocality": "Luxembourg", 2097 "addressCountry": "LU" 2098 }, 2099 "contactPoint": [{ 2100 "@type": "ContactPoint", 2101 "telephone": "+352 4590 5000", 2102 "contactType": "customer service", 2103 "areaServed": "LU", 2104 "availableLanguage": ["fr","en","de"] 2105 }] 2106 }, 2107 { 2108 "@type": "WebSite", 2109 "@id": "https://www.bil.com/#website", 2110 "url": "https://www.bil.com/", 2111 "name": "BIL", 2112 "publisher": { "@id": "https://www.bil.com/#org" } 2113 } 2114 ] 2115} 2116</script>
2116 2117
2118<script type="text/javascript" src="/Style%20Library/BIL/Scripts/newshome.js"></script>
2118 2119 </div> 2120 2121</div> 2122 2123 2124 2125<div style='display:none' id='hidZone'><menu class="ms-hide"> 2126 <ie:menuitem id="MSOMenu_Help" iconsrc="/_layouts/15/images/HelpIcon.gif" onmenuclick="MSOWebPartPage_SetNewWindowLocation(MenuWebPart.getAttribute('helpLink'), MenuWebPart.getAttribute('helpMode'))" text="Help" type="option" style="display:none"> 2127 2128 </ie:menuitem> 2129</menu></div> 2130 </span> 2131 </div> 2132 </div> 2133 <div id="page-footer"> 2134 <div class="ms-webpart-chrome ms-webpart-chrome-fullWidth "> 2135 <div WebPartID="00000000-0000-0000-0000-000000000000" HasPers="true" id="WebPartWPQ4" width="100%" class="ms-WPBody noindex " OnlyForMePart="true" allowDelete="false" style="" ><div componentid="ctl00_g_e3c6a058_9703_41ef_80a0_2c368bea74df_csr" id="ctl00_g_e3c6a058_9703_41ef_80a0_2c368bea74df_csr"></div><noscript><div id="ctl00_g_e3c6a058_9703_41ef_80a0_2c368bea74df_noscript">It looks like your browser does not have JavaScript enabled. Please turn on JavaScript and try again.</div></noscript><div id="ctl00_g_e3c6a058_9703_41ef_80a0_2c368bea74df"> 2136 <div class="ms-webpart-chrome ms-webpart-chrome-fullWidth "> 2137 <div class="ms-webpart-chrome-title" id="WebPartWPQ8_ChromeTitle"> 2138 <span title="" id="WebPartTitleWPQ8" class="js-webpart-titleCell"><h2 style="text-align:justify;" class="ms-webpart-titleText"><nobr><span></span><span id="WebPartCaptionWPQ8"></span></nobr></h2></span> 2139 </div><div WebPartID="00000000-0000-0000-0000-000000000000" HasPers="true" id="WebPartWPQ8" width="100%" class="ms-WPBody ms-WPBorder noindex ms-wpContentDivSpace " OnlyForMePart="true" allowDelete="false" style="" ><div componentid="ctl00_g_e3c6a058_9703_41ef_80a0_2c368bea74df_ctl00_csr" id="ctl00_g_e3c6a058_9703_41ef_80a0_2c368bea74df_ctl00_csr"></div><noscript><div id="ctl00_g_e3c6a058_9703_41ef_80a0_2c368bea74df_ctl00_noscript">It looks like your browser does not have JavaScript enabled. Please turn on JavaScript and try again.</div></noscript><div id="ctl00_g_e3c6a058_9703_41ef_80a0_2c368bea74df_ctl00"> 2140 2141 </div><div class="ms-clear"></div></div> 2142 </div> 2143 </div><div class="ms-clear"></div></div> 2144</div> 2145 </div> 2146 </div> 2147 </div> 2148 </div> 2149 <div id="DeltaFormDigest">
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2158 2159</div> 2160
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2241il-group\\u002fpressroom\\u002fnews\\u002fPages\\u002fWero-launches-in-Luxembourg-bringing-instant-Pan-European-payments-to-local-consumers.aspx\",\"Title\":\"Wero launches in Luxembourg, bringing instant Pan-European payments to local consumers\",\"BILInternetContent\":\"\u003cp\u003e\u003cb\u003eBrussels \\u002f Luxembourg City, September 2nd, 2026 \u003c\\u002fb\u003e - \u003ca href=\\\"https:\\u002f\\u002fepicompany.eu\\u002f\\\" target=\\\"_blank\\\"\u003eEuropean Payments Initiative (EPI)\u003c\\u002fa\u003e has announced the final phase of the migration from Payconiq to Wero in Luxembourg, marking Wero\\u2019s entry into its fourth European market, via its Wero app. \u003c\\u002fp\u003e\\r\\n\\r\\n\\r\\n \u003cp\u003e\\r\\n Throughout September, Wero will become progressively available to Luxembourg consumers and merchants, as participating banks, payment service providers and other organisations across the Luxembourg payments ecosystem move through the different phases of the migration. \u003cb\u003ePayconiq\\u2019s payment platform will end on 30 September 2026.\u003c\\u002fb\u003e To ensure a smooth transition, existing Payconiq QR codes on invoices and instore will remain usable until the end of the year and can be scanned directly through the Wero app. This interoperability is a key part of the migration, enabling consumers to transition naturally from Payconiq to Wero.\\r\\n \u003c\\u002fp\u003e\\r\\n \\r\\n\\r\\n\\r\\n\\r\\n\\r\\n\u003cp\u003eRevealed today, Luxembourg is now included in \u003cb\u003eEPI\\u2019s 2026 European Payment Barometer.\u003c\\u002fb\u003e EPI\\u2019s annual survey, conducted by Kantar, tracks consumers\\u2019 payment habits, expectations and attitudes across Wero\\u2019s five European markets. Findings in Luxembourg illustrate the country\\u2019s readiness for Wero with \u003cb\u003e74% of Luxembourg consumers already using mobile payment apps for person-to-person payments\u003csup\u003e1\u003c\\u002fsup\u003e\u003c\\u002fb\u003e - the highest level across the five markets surveyed \\u2013 while \u003cb\u003e88% of respondents say they will use Wero\u003csup\u003e1\u003c\\u002fsup\u003e\u003c\\u002fb\u003e. Together, these insights point to a highly digital and receptive market as Payconiq progressively transitions to Wero.\u003c\\u002fp\u003e\\r\\n\\r\\n\u003cp\u003eWero is EPI\u0027s pan-European instant payment solution and wallet, enabling fast, secure, and seamless account-to-account transfers, designed in Europe, for Europeans. This migration marks another major milestone in Wero\u0027s pan-European rollout, reinforcing EPI\u0027s mission to build a sovereign, continent-wide payment ecosystem. Today, Wero serves \u003cb\u003e58 million users\u003c\\u002fb\u003e and is already available in Belgium, France, Germany and soon in the Netherlands and Austria. \u003c\\u002fp\u003e\\r\\n\\r\\n\u003cp\u003eThe Luxembourg migration represents an important step in Wero\\u2019s European development: an established local payment solution, with an already wide variety of use cases, is progressively transitioning to Wero. Payconiq users will still enjoy the \u003cb\u003ePerson-to-Person payments and payments to professionals to invoices, e-commerce and in-store payments\u003c\\u002fb\u003e they are used to, and now will benefit from Wero\\u2019s cross-border payments and upcoming added-values services such as subscription, payment-at-delivery, one-click payments and further upcoming features such as in-store, contactless payments that will also be introduced alongside QR-code payments\u003c\\u002fp\u003e\u003cp\u003e\\r\\nReflecting Luxembourg\\u2019s unique position at the heart of Europe and its highly international population, Wero will be available in Luxembourg through the Wero app, which will be available in Luxembourg app stores from 1st of September 2026 and in most European app stores from 7th of September 2026. This broad availability will enable residents, expatriates and cross-border workers to easily access and adopt Wero.\u003c\\u002fp\u003e\u003cp\u003e\\r\\nBeyond domestic payments, Wero will allow users to make seamless cross-border payments and online purchases across participating Wero markets, enabling them to use the same Wero app beyond Luxembourg\\u2019s borders and supporting Wero\\u2019s vision of a simple, secure and truly European payment experience.\\r\\n \u003c\\u002fp\u003e\\r\\n\\r\\n\\r\\n\\r\\n\\r\\n\u003cp\u003e\\r\\nThe deployment being effective to customers of \u003cb\u003eBIL (Banque Internationale \\u00e0 Luxembourg), BGL BNP Paribas, Banque Raiffeisen, POST Luxembourg and Spuerkeess.\u003c\\u002fb\u003e It also builds on the strong relationship between Luxembourg consumers and their banks as 80% say they trust their bank\u003csup\u003e1\u003c\\u002fsup\u003e when it comes to payments, providing a strong foundation for Wero\\u2019s adoption.\\r\\n\\r\\n \u003c\\u002fp\u003e\\r\\n\\r\\n\u003cblockquote\u003e\\r\\n \u003cp\u003e\\r\\n The launch of Wero in Luxembourg is another important step in building a truly European payment solution. We are delighted to partner with BIL (
2241Banque Internationale \\u00e0 Luxembourg), BGL BNP Paribas, Banque Raiffeisen, POST Luxembourg and Spuerkeess to bring Wero to consumers in Luxembourg. Together, we are making instant, secure and seamless account-to-account payments more accessible while strengthening Europe\u0027s payments strategic autonomy and offering users a payment experience designed in and for Europe.\\r\\n \u003c\\u002fp\u003e\\r\\n \u003ccite\u003eMartina Weimert, CEO of EPI.\u003c\\u002fcite\u003e\\r\\n \u003c\\u002fblockquote\u003e\\r\\n\u003cblockquote\u003e\\r\\n \u003cp\u003e\\r\\n Committed for many years to the transformation of payments, BNP Paribas Group is proud to be a founding member of the EPI. As such, we are currently supporting the rollout of Wero in Luxembourg for our retail and professional clients. More than just a payment tool, Wero embodies a triple commitment: absolute simplicity, enhanced security, and European independence.\\r\\n \u003c\\u002fp\u003e\\r\\n \u003ccite\u003eNicolas Otton, Chair of the Executive Committee of BGL BNP Paribas and Head of the BNP Paribas Group in Luxembourg\u003c\\u002fcite\u003e\\r\\n \u003c\\u002fblockquote\u003e\\r\\n\\r\\n\u003cblockquote\u003e\\r\\n \u003cp\u003e\\r\\n At BIL, our digital strategy is centred on a simple objective: making banking and payments as easy and accessible as possible for our clients. We are continuously enriching our digital ecosystem with innovative services that fit naturally into their daily lives. The introduction of Wero represents an important step in this journey, complementing the payment solutions already available to our clients and reinforcing our commitment to delivering a seamless, modern and digital banking experience.\\r\\n \u003c\\u002fp\u003e\\r\\n \u003ccite\u003eOlivier Gorin, Head of Digital Banking, Banque Internationale \\u00e0 Luxembourg (BIL)\u003c\\u002fcite\u003e\\r\\n \u003c\\u002fblockquote\u003e\\r\\n\u003cblockquote\u003e\\r\\n \u003cp\u003e\\r\\n Wero is more than just a payment innovation. It is a new way for POST Finance to continue fulfilling the mission it has carried for more than 110 years: making financial services and payment solutions accessible to everyone.\\r\\n \u003c\\u002fp\u003e\\r\\n \u003ccite\u003eGabriel de La Bourdonnaye, Director of POST Finance\u003c\\u002fcite\u003e\\r\\n \u003c\\u002fblockquote\u003e\\r\\n\\r\\n\u003cblockquote\u003e\\r\\n \u003cp\u003e\\r\\n Wero brings innovation to payments; banks bring trust. In Luxembourg, that trust is earned over time, through long-term client relationships and a deep understanding of their needs. Wero combines the best of both: an intuitive European payment solution backed by trusted financial institutions.\\r\\n \u003c\\u002fp\u003e\\r\\n \u003ccite\u003eSandrine De Vuyst, Member of the Management Board, Banque Raiffeisen\u003c\\u002fcite\u003e\\r\\n \u003c\\u002fblockquote\u003e\\r\\n\\r\\n\u003cblockquote\u003e\\r\\n \u003cp\u003e\\r\\n The arrival of Wero in Luxembourg marks an important milestone in the evolution of European payments. By combining simplicity, security and innovation, Wero offers customers a seamless payment experience while contributing to the development of a stronger and more connected European payments ecosystem. Spuerkeess is proud to be part of this journey and look forward to supporting the adoption of a payment solution designed in Europe, for Europe.\\r\\n \u003c\\u002fp\u003e\\r\\n \u003ccite\u003eMichel Zimer, Head of Operations Department \\u002fSenior Vice President, Spuerkeess\u003c\\u002fcite\u003e\\r\\n \u003c\\u002fblockquote\u003e\\r\\n\\r\\n\u003cp\u003eWero\\u2019s European reach will extend further through EPI\\u2019s interoperability agreements with other European payment solutions, connecting Wero users over time with payment ecosystems in Italy, Spain, Portugal and the Nordic countries.\u003c\\u002fp\u003e\\r\\n\u003cp style=\\\"font-size:12px;\\\"\u003e\u003ci\u003e\u003csup\u003e1\u003c\\u002fsup\u003eEPI European Payment Barometer 2026, study conducted by
2241Kantar. Luxembourg sample: 1,027 respondents.\u003c\\u002fi\u003e\u003c\\u002fp\u003e\\r\\n\u003ch3\u003eAbout EPI\u003c\\u002fh3\u003e\\r\\n\u003cp\u003e\u003ca href=\\\"https:\\u002f\\u002fepicompany.eu\\u002f\\\" target=\\\"_blank\\\"\u003eEPI\u003c\\u002fa\u003e (or European Payments Initiative) is supported by 18 European banks and payment service providers. Beyond the shareholders, over 50 institutions in Europe are now members of EPI. They have joined forces with a common goal: to offer a unified mobile payment service, to all European companies and citizens, Wero. EPI intends to enable European consumers and merchants and to carry out all types of retail transactions simply, via a resolutely sovereign digital wallet. \u003cbr\u003e\\r\\n\u003cbr\u003eFollow us on \u003ca href=\\\"https:\\u002f\\u002fwww.linkedin.com\\u002fcompany\\u002fepicompany\\u002f\\\" target=\\\"_blank\\\"\u003eLinkedIn\u003c\\u002fa\u003e\\r\\n\u003c\\u002fp\u003e\\r\\n\u003ch3\u003eAbout Wero\u003c\\u002fh3\u003e\\r\\n\u003cp\u003eBased on instant account-to-account (A2A) payments, \u003ca href=\\\"https:\\u002f\\u002fwero-wallet.eu\\u002f\\\" target=\\\"_blank\\\"\u003eWero\u003c\\u002fa\u003e further streamlines payments in Europe by eliminating intermediaries in the payment chain and the associated additional costs. Wero already supports payments between individuals, and will shortly unveil payments to professionals (P2Pro). Wero has been live for P2P payments in Belgium, France, and Germany since 2024, currently serving 58 million users. For retail payments, Wero is live in Germany since the end of 2025 with progressive roll-out in France and Belgium throughout 2026. Major migrations of at least 15 million consumers are also planned for Payconiq in Luxembourg (by 2026) and iDEAL in the Netherlands (by 2027). Point-of-sale payments will also be offered in 2026, as well as value-added services such as integration of merchant loyalty programs and recurring payments and subscription management.\u003cbr\u003e\\r\\n\u003cbr\u003eFind out more at \u003ca href=\\\"https:\\u002f\\u002fwero-wallet.eu\\u002f\\\" target=\\\"_blank\\\"\u003ewero-wallet.eu\u003c\\u002fa\u003e and follow us on \u003ca href=\\\"https:\\u002f\\u002fwww.instagram.com\\u002fwero_eu\\u002f\\\" target=\\\"_blank\\\"\u003eInstagram\u003c\\u002fa\u003e , \u003ca href=\\\"https:\\u002f\\u002fwww.facebook.com\\u002fwero.eu\\u002f\\\" target=\\\"_blank\\\"\u003eFacebook\u003c\\u002fa\u003e and \u003ca href=\\\"https:\\u002f\\u002fwww.linkedin.com\\u002fshowcase\\u002fwero-epi\\u002f\\\" target=\\\"_blank\\\"\u003eWero\\u2019s LinkedIn\u003c\\u002fa\u003e\\r\\n\u003c\\u002fp\u003e\\r\\n\\r\\n\u003ch3\u003eMedia contact\u003c\\u002fh3\u003e\\r\\n\u003cp\u003eFor media enquiries, please contact:\u003cbr\u003e\u003ca href=\\\"mailto:[email protected]\\\"\[email protected]\u003c\\u002fa\u003e \\r\\n\u003ca href=\\\"mailto:[email protected]\\\"\[email protected]\u003c\\u002fa\u003e or \u003ca href=\\\"mailto:[email protected]\\\"\[email protected]\u003c\\u002fa\u003e\\r\\n \u003c\\u002fp\u003e\\r\\n\\r\\n\",\"BILInternetPublicationDate\":\"\\/Date(1
2241788328800000)\\/\",\"BILInternetLanguage\":\"EN\",\"Description\":\"As Payconiq becomes Wero, EPI unveils Luxembourg\\u2019s first results from its 3rd edition of its European Payment Barometer.\",\"FileExtension\":\"aspx\",\"SecondaryFileExtension\":\"aspx\",\"OriginalPath\":\"https:\\u002f\\u002fwww.bil.com\\u002fen\\u002fbil-group\\u002fpressroom\\u002fnews\\u002fPages\\u002fWero-launches-in-Luxembourg-bringing-instant-Pan-European-payments-to-local-consumers.aspx\",\"PartitionId\":\"\\/Guid(0c37852b-34d0-418e-91c6-2ac25af4be5b)\\/\",\"UrlZone\":2,\"Culture\":\"en-US\",\"ResultTypeId\":0,\"RenderTemplateId\":\"~sitecollection\\u002f_catalogs\\u002fmasterpage\\u002fDisplay Templates\\u002fSearch\\u002fItem_Default.js\",\"DocId\":127595,\"QueryRuleId\":\"\\/Guid(00000000-0000-0000-0000-000000000000)\\/\"\r},{\r\"Rank\":0,\"Path\":\"https:\\u002f\\u002fwww.bil.com\\u002fen\\u002fbil-group\\u002fpressroom\\u002fnews\\u002fPages\\u002fbil-announces-the-appointments-of-melanie-babb-as-cfo-and-michael-bonnier-as-cco.aspx\",\"Title\":\"BIL Announces the Appointments of Melanie Babb as CFO and Micha\\u00ebl Bonnier as CCO\",\"BILInternetContent\":\"\u003cp\u003e\u003cb\u003eMelanie Babb\u003c\\u002fb\u003e joined BIL in July 2025 as Deputy Chief Financial Officer and succeeds Nico Picard, who will assume the role of Advisor to the CEO after a remarkable 37-year career with the Bank, including nine years as CFO. \u003cbr\u003eA Franco-American finance executive with more than 25 years of international experience, Melanie brings a strong track record in finance leadership, transformation, business performance management and strategic execution. Before joining BIL, she served as Group Head of Finance at Quintet Private Bank and previously held senior leadership positions at Brown Brothers Harriman and Fidelity International. She holds a Bachelor of Science in Economics from the Massachusetts Institute of Technology (MIT). \u003c\\u002fp\u003e\\r\\n\u003cp\u003e\u003cb\u003eMicha\\u00ebl Bonnier\u003c\\u002fb\u003e joined BIL in 2023 as Deputy Chief Compliance Officer and now assumes the role of Chief Compliance Officer. With more than 25 years of experience in the financial services and insurance sectors, including over 20 years in leadership and compliance positions, he is widely recognized for his expertise in regulatory compliance, risk management and AML\\u002fCFT. Prior to joining BIL, he served as Chief Compliance Officer at ING Luxembourg for six years and held several senior legal, compliance and business leadership roles throughout his career. A qualified lawyer, he holds a Master in Law from the Universit\\u00e9 Catholique de Louvain as well as professional certifications in Compliance and Anti-Money Laundering.\u003c\\u002fp\u003e\\r\\n\\r\\n\u003cblockquote\u003e\\r\\n \u003cp\u003e\\r\\n Both M\\u00e9lanie Babb and Micha\\u00ebl Bonnier have made significant contributions to BIL\\u2019s development since joining the Bank. Their expertise, leadership and commitment to excellence will be instrumental as we continue to execute our strategy and deliver for our clients, employees and stakeholders. Their appointments reflect the strong talent we have within the Bank and ensure continuity in two critical functions. Melanie\\u2019s strategic financial acumen and international experience, combined with Micha\\u00ebl\\u2019s extensive compliance and regulatory expertise, will be invaluable. I look forward to working with them in their new roles and wish them every success.\\r\\n \u003c\\u002fp\u003e\\r\\n \u003ccite\u003eJeffrey Dentzer, CEO of BIL\u003c\\u002fcite\u003e\\r\\n \u003c\\u002fblockquote\u003e\\r\\n\\r\\n\\r\\n\\r\\n\u003cp\u003eThese appointments further reinforce BIL\\u2019s Executive Committee and underline the Bank\\u2019s commitment to maintaining the highest standards of governance and financial discipline while pursuing sustainable growth.\u003c\\u002fp\u003e\\r\\n\",\"BILInternetPublicationDate\":\"\\/Date(1
2241784815200000)\\/\",\"BILInternetLanguage\":\"EN\",\"Description\":\"Banque Internationale \\u00e0 Luxembourg (BIL) is pleased to announce the appointments of Melanie Babb as Chief Financial Officer (CFO) and Micha\\u00ebl Bonnier as Chief Compliance Officer (CCO), both effective 24 July 2026, and subject to supervisory non-objection.\",\"FileExtension\":\"aspx\",\"SecondaryFileExtension\":\"aspx\",\"OriginalPath\":\"https:\\u002f\\u002fwww.bil.com\\u002fen\\u002fbil-group\\u002fpressroom\\u002fnews\\u002fPages\\u002fbil-announces-the-appointments-of-melanie-babb-as-cfo-and-michael-bonnier-as-cco.aspx\",\"PartitionId\":\"\\/Guid(0c37852b-34d0-418e-91c6-2ac25af4be5b)\\/\",\"UrlZone\":2,\"Culture\":\"en-US\",\"ResultTypeId\":0,\"RenderTemplateId\":\"~sitecollection\\u002f_catalogs\\u002fmasterpage\\u002fDisplay Templates\\u002fSearch\\u002fItem_Default.js\",\"DocId\":123334,\"QueryRuleId\":\"\\/Guid(00000000-0000-0000-0000-000000000000)\\/\"\r},{\r\"Rank\":0,\"Path\":\"https:\\u002f\\u002fwww.bil.com\\u002fen\\u002fbil-group\\u002fpressroom\\u002fnews\\u002fPages\\u002fbil-was-named-winner-of-luxembourgs-best-investment-bank-for-dcm.aspx\",\"Title\":\"BIL was named winner of Luxembourg\u0027s Best Investment Bank for DCM at the Euromoney Awards for Excellence 2026\",\"BILInternetContent\":\"\u003ch2\u003eSupporting clients across debt capital markets\u003c\\u002fh2\u003e\\r\\n\\r\\n\u003cp\u003eSince 2024, BIL has strengthened its Debt Capital Markets activities to support corporate and institutional clients in diversifying and expanding their funding sources.\u003c\\u002fp\u003e\\r\\n\\r\\n\u003cp\u003eThe Bank\u0027s coverage spans a broad range of issuers, from AAA-rated sovereigns and European local authorities to financial institutions, investment funds and corporates. BIL supports clients across a variety of financing needs, ranging from benchmark transactions to private placement opportunities.\u003c\\u002fp\u003e\\r\\n\\r\\n\u003cp\u003eLeveraging its comprehensive service offering and strong position in the Luxembourg market, BIL is also committed to supporting innovation in capital markets. This includes initiatives ranging from the distribution of retail bonds, such as Luxembourg\u0027s Defence Bond 2026, to support for digital debt instruments issued using distributed ledger technology (DLT).\u003c\\u002fp\u003e\\r\\n\\r\\n\u003cblockquote\u003e\\r\\n \u003cp\u003e\\r\\n The development of our Debt Capital Markets activities reflects BIL\u0027s ambition to play a growing role in connecting issuers and investors. By combining local expertise with international market access, we support our clients in meeting their financing objectives while contributing to the diversification and growth of Luxembourg\u0027s capital markets..\\u202f\\r\\n \u003c\\u002fp\u003e\\r\\n \u003ccite\u003eAnne-Sophie Dufresne, Head of Corporate and Institutional Banking \u003c\\u002fcite\u003e\\r\\n \u003c\\u002fblockquote\u003e\\r\\n\\r\\n\u003ch2\u003eContributing to the development of Luxembourg\u0027s capital markets\u003c\\u002fh2\u003e\\r\\n\\r\\n\u003cp\u003eWorking alongside the world-leading market infrastructures of the Luxembourg financial centre, BIL actively contributes to the development of efficient and accessible debt capital markets.\u003c\\u002fp\u003e\\r\\n\\r\\n\u003cp\u003eIn a market that has traditionally relied heavily on bank lending, BIL supports issuers in diversifying their sources of funding while providing investors with access to an expanding range of investment opportunities across public and private debt markets.\u003c\\u002fp\u003e\\r\\n\\r\\n\u003cp\u003eThrough this approach, BIL aims to connect issuers and investors more effectively, foster financial innovation and contribute to the continued development of Luxembourg\u0027s capital markets ecosystem.\u003c\\u002fp\u003e\\r\\n\",\"BILInternetPublicationDate\":\"\\/Date(1
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