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*subject to acceptance of your application by the lending institution. This rate applies provided that all borrowers are owners of real estate property in the Grand Duchy of Luxembourg or Belgium, that they are employed on a permanent contract and that the debt-to-income ratio is less than or equal to 30%. Income must be garnishable. This rate is given for information purposes only and in no way constitutes an offer. If these conditions are not met, the TAEG may vary between the rate indicated in the simulator for the selected product and the maximum legal rate.