Downloads and frequently asked questions

No. The annual account statement is sufficient for this purpose. We show all relevant data in a separate box at the top right of the account statement. In special cases, a separate certificate can be issued (e.g. if the last payment you made doesn’t appear on the annual account statement for accounting reasons).
 

To make sure your payments appear on the annual account statement, these should not be executed later than on December 23rd of the current year. Later received payments cannot be treated on time.

First, you should check whether your contract has already been allocated (see “Allocation”). Contractsthat have not yet been allocated must be cancelled (see “Cancellation”). If in doubt, please contact us either by email at info-lux@bhw.lu or by phone at 44 88 44 1.

The allocation is an important goal during the term of your building society contract. As soon as you receive the allocation, you can dispose over the credit balance you have saved so far and, if appropriate, also take out home purchase savings loan. If you apply for the loan, a credit check will be carried out.

BHW Bausparkasse AG does not require any proof of the use of the credit balance. If you have claimed the contributions as special expenses for tax purposes in Luxembourg, the tax office will require proof when you make your next income tax return that the credit balance was used only for purposes provided for by the legislator. If in doubt, please ask your tax office directly before requesting the credit balance. The tax laws in force at the time of disbursement apply. You will find further information under the following link: https://impotsdirects.public.lu.

No.In principle, you can also accept the allocation at a later point in time. The contract can continue to be funded and, if applicable, tax‑deducted as long as the agreed building‑savings amount has not been reached.

In principle, home purchase savings contracts do not have a fixed term. When the contract is concluded, the capital subscribed, the contractual tariff, the savings amount determined by the tariff and a subsequent repayment amount are determined. These parameters in particular are decisive for the term of the contract.

The10‑year period is purely a tax-related aspect, not a contractual one. If your contract has not been allocated after 10 years, you may cancel the contract and invest the balance in a way that complies with tax regulations.

To apply for the loan, please contact us by telephone on 44 88 44 1 or by e-mail: infolux@bhw.lu. You will find all our financial advisors on our homepage under the tab “Contacts”.

You will find the allocation form on our homepage under Downloads. As soon as your building society contract reaches the allocation stage, you will receive a letter from us with the form attached.

You can find the allocation form on our website under Downloads. As soon as your building‑savings contract reaches allocation, you will receive a letterfrom us, which also includes the required form. Contracts that have not yet been allocated must be cancelled.

You can find further information at the following link: https://impotsdirects.public.lu

Youcan find the cancellation form on our website under Downloads. Please note that there may be costs and tax implications. You can find further information at the following link: https://impotsdirects.public.lu

You can conclude the contract directly with us. Please contact us by telephone on 44 88 44 1 or by e-mail: info-lux@bhw.lu. Moreover, we have been working in full confidence with the BCEE for 20 years. You are welcome to make an appointment for consultation and conclusion of a contract by this means too.

Unfortunately, direct debit is not possible. Therefore, please set up a standing order (ordre permanent) with your bank. Enter BHW Bausparkasse AG as the beneficiary.
You will find the details of the accounts you may use on our letters in the footer. Please note your home purchase savings number and your name in the reason for payment.

When you conclude the contract, we ask whether you would prefer the documents in German or French. You can change this at any time during the term. Unfortunately, we cannot offer other languages.

For your own security, only in writing. Either by post or by e-mail to info-lux@bhw.lu. Please enclose a copy (front and back) of your valid identity card and a certificate of residence not older than 3 months (alternatively a recent bank statement or electricity bill showing your address). Please include your contract number. On our homepage, you will also find the adress modification form.