Discussions

Is it just me or am I right in thinking that the banks don't listen,  I have been a good customer with a bank here for several years, however this morning I asked for rather a large amount (few thousand euros in cash) to be given to me and was told I would have to await 'clearance'  - why?  it is my money?  Despite arguing with them till I was Blue in the face the cashier refused and told me to collect it in 48 hours - has anyone else experienced this? I felt like a criminal.

Hello all!I'm strongly evaluating the option of opening a "Schwabisch Hall - Scheme - Home Savings Plan" in BGL.  I would like to hear your review on it, would you recommend it or advise against it? Some context of my situation: I just purchased an apartment with a fixed rate 10years. My aim is to have the Swhabisch Hall scheme save-up some money with the tax benefit so that I may withdraw at the end of year 10 and pay-off whatever I can on the loan once it becomes variable-rate again. I'm married, so I will save the 224/month that the tax-benefit "allows". Thank you!

Hello, Could someone recommend a lawyer specialized in lease contract/tenant law? I'm having problems with my apartment's landlord. Thank you!

Hello,I am in the process of buying a property, and we gave an offer. Since the owner didnt have any other offer, she immediately accepted and the agent confirmed in email that the offer is accepted. Then we agreed to draft the "comprmise de vente". But on the day of the signing the owner received another offer and she changed her mind and is asking for us to compete (not sure how long).Do we have a  case here (as she had agreed via the agent in an email from the agency)? or do we have to get into a bidding war?Any help/advise is really appreciated.Regards,Moush

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Hi , are interest only mortgages available when buying a home in Luxembourg? Thanks.

Could someone please tell what type of certification or proof of education documents after age of 18 presented to the Luxembourg Pension authorities for a person who did their studies outside the EU and Luxembourg

Hi all,I have a question for you as after living four years in Luxembourg, I left it more than one year ago.Does anybody know whether and how I could somehow recover the contributions I paid in Luxembourg? e.g. pension fundsThanks a lot in advance, any advice or feedback is highly appreciated!Michele

Can anyone recommend a reasonably priced company that will provide a energy certificate in order to sell a house.  After speaking to several people, it seems the price ranges from 500 - 1300 euros.  Any help much appreciated.

Hi everyone,  I just moved to Luxembourg and I come from Spain.I was wondering what it is like trying to find a job there as an architect or interior designer with English, Spanish language skills and a bit of French. I plan on brushing up on my French from now on.Any suggestions, help and/or comments would be useful! Thanks :)

Hello,I am a non-EU mother of a Luxembourger child (whose nationality obtained from his deceased father) . We lived in Luxembourg (and I worked) for a few years before moving outside the EU for almost 4 years.I am returning to live in Luxembourg, and I was granted a visa as a family member of an EU citizen to live in Luxembourg. My question is about social security benefits when I arrive in Luxembourg and before finding a job.  Am I eligible for any benefits?Best,Crimson.

My husband and I have dual nationality French/American, both of us work in Luxembourg and live in France. We are looking for a financial advisor. Any recommendations are welcome! Thank you

Hello,I hope someone can help.I instructed a Luxembourg lawyer in writing. Sadly they've not done as instructed but acted differently, this has ended up costing me. I can evidence all of thisIn the UK there exists the law society to complain to regarding lawyers, is there the equivalent in Luxembourg?Thank you very much

Hello everyone,On the 14th of April 2015 I was, in my opinion, unfairly dismissed by my employer seated in Luxembourg. I am the member of a local trade union (OGB-L), which sent an "Einschreiben" to my employer dated the 18th of May 2015. I spent tons of time trying to discuss my case with OGB-L, nothing  really happened to date. (BTW, I would not suggest OGB-L if anyone wishes to get his/ her rights protected; they are indeed good at drawing your membership fee from your bank account but when it comes to action, they appear to be very slow-moving and incompetent).My Q is if anyone knows when I will lose all of my rights to take my ex-employer to the Labor Court? Some say it is one year, whilst others says it's three years.Thanks,Gabor

Hi everyone,In mid-2015 I changed from being a salaried employee to being a full-time freelancer. As such, I have to fill in page 6 of the income tax form ("Bénéfice provenant de l'exercice d'une profession libérale") as well as its accompanying form 152 detailing business expenses.I pay income tax in instalments every three months - but nowhere on the income-tax form or the business-expenses form is there a box to report the tax already paid. On the "salaried occupation" page there is this box - so this amount if then taken into account when they determine how much tax you owe - but this box simply doesn't exist in the "liberal profession" page.I am scared that I will be taxed twice on my freelance income because there is no opportunity to state the amount of tax I have already paid through my quarterly instalments.Surely there must be a way of reporting this on the income-tax form somehow???Thank you so much for any help!

So 'Foreigners can;t vote here in the elections, why the hell not after all 46% of the population here is 'Foreign' and we pay taxes too - I wonder what would happen if the 46% all stopped paying taxes, I bet they would soon change their minds - anyone else as peeved about this as I am.?

Hi all, It's my first year in Luxembourg and the first time that I have to fill-in the tax/income statement. Could anyone be so kind as to post us some details here as to what we need to do? I am working as an employee and from what my colleagues told me: -I need to fill in this document including details from the yearly statement that I received form my employer and any tax deductible expenses that I made (kindergarden expenses, insurance expenses etc) -I need to send it by mail somewhere...   Could anyone please inform if what I stated beforehand is correct, where can we find other expenses that are tax deductible and if there are any professional services that can assist us in filling this form (and the approximate cost). Cheers all!

Hi everyone,  I know this question has been asked several times, I've read the posts but their situation is only similar but doesn't fully answer my questions on this.  I am a working professional currently living and working in Luxembourg but is a non-EU citizen. Currently I possess the carte de sejour, as I live with my fiance who is from the UK (he can move freely through the EU), we are not Paxed or married yet but we own a place in Luxembourg.  We are planning to move to Germany and buy a place and I am wondering what would be the correct process to obtaining permits. Do we both apply for residence permits in Germany? It certainly looked a fair bit easier on the German side to apply compared to the Lux one... but with my carte de sejour from Lux would that carry any weight in terms of living in Germany? It wouldn't be so difficult for my fiance but for me as non-eu citizen, already have a job in luxembourg, would all I need to apply for is a residence permit or do I need to apply for another visa as well (dreads the thought of going though all that crazy paperwork again!)   Any thoughts or advice would be highly appreciated! ~Luria  

Hello, I want to ask you something about tax card.My husband is working from June 2015 in Lux.We are married but i was in our native country.In August 2015 he recevide Tax Class 2 becouse he contributed 90% in the household income.I moved to Lux in November 2015 and today he received a new tax class 1 card.....How is it possible?

We are about to buy a house that we would take over in July 2016. The real estate agent tries to get us to do the notary procedure as soon as possible rather than closer to the date when we will get the keys and pay 50% of the price now and 50% when we get the keys. I understand that the real estate firm and the owners want to have money as soon as possible for their next project. But the family concerned would live 4-5 months in a house legally ours without paying more than a modest indemnity of 75€. Is this a common practice when the hand over is several months into the future?