window.internalTranslations = {"mortgage.mortgageIntroductionForm":"How much are you borrowing?","mortgageCallToActionLabel1":"Let us structure your mix and","mortgageCallToActionLabel2":"<span class=\"bold\">save up to an additional 30%<\/span>","mortgageCallToActionButton":"Contact us","mortgageIntroductionFormConfirmationTitle":"We are ready!","mortgageIntroductionFormConfirmationButton":"Show me the results!","borrowerProfile.mortgageIntroductionForm":"What is your profile?","borrowerProfile.affordabilityIntroductionForm":"What is your profile?","borrowerProfile.help":"You will be able to adjust everything later.","borrowerProfile.descriptions.firstTimeBuyer":"Young professional<span class=\"new-purchase-only\">, limited down\n        payment<\/span>","borrowerProfile.descriptions.firstTimeBuyer.affordability":"Young professional, no previous transaction","borrowerProfile.descriptions.homeSizing":"Couple, comfortable <span class=\"new-purchase-only\">down payment\n        &<\/span> income","borrowerProfile.descriptions.homeSizing.affordability":"Couple, already happy home owners","borrowerProfile.descriptions.investor":"Rental investment<span class=\"new-purchase-only\">, limited down\n        payment<\/span>","borrowerProfile.descriptions.investor.affordability":"Rental investment, shorter mortgage duration","contactRequestSuccess":"<span class=\"bold\">\u2713 It's in the system! <\/span> <br\/>\n        We will reach out within 12 working hours.","loanPrincipalHeader":"For a loan principal of %principal%","contactRequestError":"Something wrong happened and ... more scary ... we do not know why.","emailOrPhoneNumber":"Email \/ Phone","emailOrPhoneNumberLabel":"Let us contact you back","contactMe":"<i class=\"fa fa-paper-plane\"><\/i>&nbsp;&nbsp;Be contacted","taxSavings.help":"Tax savings are generated through the tax deductions\n        applicable to the financing of a property:\n        on the interests paid\n        (learn more about <a href=\"\/content\/rate-types\">interest deduction<\/a>),\n        on the home savings scheme\n        payments (learn more about <a href=\"\/content\/home-savings-schemes\">\n        home savings schemes<\/a>),\n        on the insurance premiums, on the interest subsidies paid by the\n        employer and on the mortgage opening fees, excluding registration and\n        transcription fees.","principal":"Borrowed amount","principal.help":"The Borrowed amount corresponds to the\n        property price, the renovation costs, the acquisition costs, the\n        mortgage opening costs, the one-off mortgage insurance payment minus the\n        down payment","mortgageEditModelLabel":"including","loaderStartSentence0":"Ok, now it's our turn to work, please wait a bit.","loaderStartSentence1":"Wouldn't it be the right time to go and grab some coffee?","loaderStartSentence2":"Wouldn't it be the right time to grab a cha\u00ef?\n            It's just tea but it sounds fancier","loaderStartSentence3":"Wouldn't it be the right time to go\n            and grab some good hot chocolate?","loaderStartSentence4":"Wouldn't it be the right time to go and grab a latte?","loaderNextSentence0":"We bet we can show you the result\n            before your reach your elbow with your tongue!","loaderNextSentence1":"Precision requires time ... a bit more than a couple of seconds.","loaderNextSentence2":"Sit back and relax, our servers are running as fast as they can!","loaderNextSentence3":"Take 6174, order the digits highers first, 7641,\n            substract them lowers first, 1467 ... magic!","loaderNextSentence4":"Did you know that 'mortgage' means 'dead pledge' in french ...\n            perhaps you didn't want that information.","loaderNextSentence5":"Tic toc tic toc tic toc","loaderNextSentence6":"Ok, you can check one email but please come back soon!","loaderNextSentence7":"Elvis' home was named Graceland.\n            We don't know what to do with this information.","loaderNextSentence8":"Usually door knobs are made of metal\n            that have some antibacterial benefits.","loaderNextSentence9":"111 111 111 x 111 111 111 = 12 345 678 987 654 321","loaderNextSentence10":"The opposite sides of a dice always add up to 7.","mortgageExtendedContactFormContactRequestSuccess":"We will reach out within 12 working hours.","mortgageExtendedContactFormTitleExplanation":"If you are in a hurry, you can just close this form at anytime.\n            We will contact you anyway.","fieldSavedSuccess":"%field%: saved","fieldSavedError":"Error: %field% not saved","homeType.mortgageExtendedContactForm":"Finance property type","mortgageExtendedContactFormConfirmationTitle":"Everything is in the system!","mortgageExtendedContactFormConfirmationButton":"Close","mortgageExplainerTableHeader":"Results","fixedRate.explainer":"Indicative fixed rate","whatToEstimate.values.mortgagePaymentPerMonth":"Monthly payment","mortgagePaymentPerMonth.explainer":"Monthly payment","affordabilityIntroductionFormConfirmationTitle":"We are ready!","affordabilityIntroductionFormConfirmationButton":"Show me the results!","affordabilityHomePriceRange.capacity.homePrice":"You could afford <span class=\"amount\">%homePrice%<\/span>","affordabilityHomePriceRange.capacity.homePrice.comfortable":"You can afford <span class=\"amount\">%homePrice%<\/span>","affordabilityHomePriceRange.capacity.homePriceFromMortgageDownPayment":"You can afford\n        <span class=\"bold\">%homePriceFromMortgageDownPayment%<\/span>","affordabilityHomePriceRange.feasibility":"This financing is\n        <span class=\"amount\">%mortgageFeasibility%<\/span>","downPaymentHomePriceLabel":"Your income allows you to afford a property\n        up to a price of <span class=\"amount\">%homePrice%<\/span>","downPaymentHomePriceLabel.feasibility":"You could afford this\n        property","downPaymentHomePriceLabel.feasibility.comfortable":"You can afford this\n        property","downPaymentFeasibilityLabel":", but right now this project would be\n        <span class=\"bold\">%mortgageFeasibility%<\/span> because your down\n        payment","downPaymentFeasibilityLabel.feasible":", but your down payment","downPaymentFeasibilityLabel.comfortable":", your down payment of\n        <span class=\"amount comfortable\">%mortgageDownPayment%<\/span>","downPaymentQualifierLabel.impossible":"is too low.","downPaymentQualifierLabel.risky":"is low.","downPaymentQualifierLabel.feasible":"could be better.","downPaymentQualifierLabel.comfortable":"would be perceived as comfortable.","downPaymentRecommendationLabel":"We recommend putting down at least\n        <span class=\"amount comfortable\">%downPaymentComfortable%<\/span>.","downPaymentRecommendationLabel.impossible":"We recommend putting down at least\n            <span class=\"amount comfortable\">%downPaymentComfortable%<\/span>","downPaymentRecommendationLabel.impossible.primaryResidence.firstTimeBuyer":"We recommend putting down a bare minimum of\n            <span class=\"amount risky\">%downPaymentRisky%<\/span>\n            but ideally\n            <span class=\"amount comfortable\">%downPaymentComfortable%<\/span>.","downPaymentRecommendationLabel.risky":"We recommend putting down at least\n        <span class=\"amount feasible\">%downPaymentFeasible%<\/span> but ideally\n        <span class=\"amount comfortable\">%downPaymentComfortable%<\/span>.","downPaymentRecommendationLabel.feasible":"We recommend putting down\n            <span class=\"amount comfortable\">%downPaymentComfortable%<\/span>.","downPaymentRecommendationLabel.comfortable":"","editProject":"<span class=\"affordabilityEditButtonHeaderWord-0\">Edit<\/span> project","editProfile":"<span class=\"affordabilityEditButtonHeaderWord-0\">Edit<\/span> profile","editFinancing":"<span\n            class=\"affordabilityEditButtonHeaderWord-0\">Edit<\/span> financing","affordabilityUpdateSuggestion":"Your current %field% is %currentValue%.\n        Would you like to update the simulation to the suggested\n        %suggestedValue%?","affordabilityUpdateSuggestionHomePriceTarget":"This should secure you\n        a comfortable financing up to %homePrice%.","affordabilityUpdateSuggestionButton":"Update to %suggestedValue%","debtChargeToNetIncomeRatio":"Debt ratio","riskMetricsWarning.feasibility":"<span class=\"bold\">Your debt\n        is too important<\/span>. You would need a\n        <span class=\"amount\">%recommendedMonthlyIncome%<\/span> monthly income,\n        or a <span class=\"amount\">%recommendedMortgageDownPayment%<\/span> down\n        payment.","riskMetricsWarning.feasibility.notEnoughIncome":"<span class=\"bold\">Your debt\n        is too important<\/span>. You would need a\n        <span class=\"amount\">%recommendedMonthlyIncome%<\/span> monthly income to\n        fully finance this project.","editMortgageDownPayment":"Edit down payment","editMonthlyIncome":"Edit income","affordabilityContactButton":"Get your mortgage for free with Nexfin","affordabilityContactButton.impossible":"Discuss this with one of our\n        experts at Nexfin","affordabilityContactDisclaimer.impossible":"This is just an estimation, we may still be able to finance you.","affordabilityContactPrecision.risky":"Banks cover brokerage costs","affordabilityContactPrecision.feasible":"Banks cover brokerage costs","affordabilityContactPrecision.comfortable":"Banks cover brokerage costs","maximumMortgageDuration":"Your mortgage duration is\n        probably too long in regard to your %durationLimitation%,\n        <span class=\"bold\">click here to\n        modify to the recommended %maximumMortgageDuration%.<\/span>","maximumMortgageDuration.oldestBorrowersAge":"age","maximumMortgageDuration.propertyPurpose":"buy-to-let project","switchToCapacitySuggestion":"This specific project is likely out of your\n        budget. No worries we can help:&nbsp;\n        <span class=\"bold\">click here to know your capacity<\/span>","limitedByMortgageDownPayment":"The key limit to your project is your down\n        payment,&nbsp;<span class=\"bold\">click here to edit it<\/span>.","mortgageFeasibility.values.impossible":"impossible","mortgageFeasibility.values.risky":"risky","mortgageFeasibility.values.feasible":"feasible","mortgageFeasibility.values.comfortable":"comfortable","downPaymentEnough":"Your down payment is larger than the price and the\n        acquisition costs of the property you are estimating the feasibility on.\n        You do not need a mortgage.","monthlyIncome.affordabilityIntroductionForm":"Net monthly income","monthlyRent.help.affordability":"This is the rent you estimate you will get through this property.","monthlyIncome.help.affordability":"Monthly income is the household after tax monthly\n        income excluding rental income, including salaries and\n        other recurring revenues. This includes any received alimony","contactRequest.help":"Nexfin can help you get the best mortgage for your project","yourDownPayment.capacity":"With your down payment","yourInformation":"Your information","acquisitionCosts":"Acquisition costs","homeAcquisitionStampDuty":"Stamp duty","homeAcquisitionNotaryFees":"Notary fees","homeAcquisitionOtherCharges":"Other notary charges","mortgageClosingStampDuty":"Stamp duty","mortgageClosingNotaryFees":"Notary fees","mortgageClosingNotaryFees.investmentReturnDetails":"Mortgage notary fees","mortgageClosingOtherCharges":"Other notary charges","mortgageClosingOneOffBankingCharge":"Banking charge","propertyChargesMaintenanceAndRepair":"Property charges & maintenance","propertyTaxAndCommunalCharges":"Property tax & communal charges","remainingMortgageBalance":"Mortgage balance","personsInHousehold":"Person(s) in household","sellingCost":"Agency fee","sellingCost.buyVsRent":"Selling cost (agency fee)","sellingCost.investmentReturn":"Selling cost (agency fee)","rentalAgencyFeesInMonthsOfRent":"Agency fee","mortgageDownPayment":"Down payment","sellingCostPercentage":"Agency fee","sellingCostPercentage.buyVsRent":"Selling cost (agency fee)","sellingCostPercentage.investmentReturn":"Selling cost (agency fee)","securityDepositInMonthsOfRent":"Security deposit","rentalAgencyFees":"Agency fee","totalRentalUpfrontCosts":"Upfront costs","costOfRentalIncludingProceeds":"Renting cost (including proceeds)","costOfRentalIncludingProceeds.buyVsRentChart":"Renting cost","costOfBuying":"Buying cost (excluding proceeds)","costOfBuyingIncludingProceeds":"Buying cost (including proceeds)","buyingExcludingProceeds":"Buying<br\/>(excluding proceeds)","buyingIncludingProceeds":"Buying<br\/>(including proceeds)","returnFromCostSavingsRentNetOfBuyEndOfYear":"Return from cost savings","returnFromCostSavingsBuyNetOfRentEndOfYear":"Return from cost savings","interest":"Interests","mortgagePaymentPerMonth":"Monthly mortgage payment","maxHomePrice":"Home price","oldestBorrowersAge":"Oldest borrower's age","yearlyIncome":"Taxable revenues","yearlyIncome.help":"Your taxable revenues corresponds to your annual gross salaries \n        (after deduction of the social charges) and all your other revenues \n        reduced by applicable deductions based on your personal situation.\n        In case you are married or partners, please indicate here the\n        collectively annual taxable revenues of the couple","homeOwnershipStatus.help":"If you have owned property in Luxembourg in the past you are not\n        eligible anymore to a first time buyer status, you should indicate that\n        you already own property","insuranceTaxDeductionCurrentUsage":"Insurance deduction usage","insuranceTaxDeductionCurrentUsage.help":"This amount corresponds to the current sum of the annual deductible\n        premiums paid on insurance contracts like civil liability, life, \n        health, ... This amount is capped to \u20ac&nbsp;672 per household person","projectExtraExpenses.help":"This amount corresponds to the renovation works and\/or kitchen price \n        to be included in the financing project","homeType.help":"Off-plan corresponds to a \"Vente en \u00c9tat Futur d'Ach\u00e8vement\" (VEFA)","downPaymentAmount.help":"Personal savings used in the project","insurance.help":"The mortgage insurance protects the survivor or the heirs in case\n        of the borrowers's death","insurancePayment":"Insurance payment","insurancePayment.help":"The payment can be a single premium or an annual premium","interestRateEvolution.help":"This rate represents your assumption regarding the evolution of \n        variable rates over the financing period. It can be negative, null or\n        positive","prematureExitAfter.help":"Estimated holding duration until the resale of the property. If you\n        plan on holding this property until the end of the financing, the value \n        to input is 0","revisableRate":"Revisable fixed rate","revisableRate.help":"Rate applied during the initial fixed period of \n        your revisable loan","revisablePeriod":"Revisable fixed rate period","revisablePeriod.help":"Initial period during which the revisable loan \n        rate is fixed","homeSavingsSchemePreFinancingRate":"Home savings pre financing rate","homeSavingsSchemePreFinancingRate.help":"The loan rate on which only interests will be paid during the first \n        phase of the financing (the bullet loan). \n        <a href=\"\/content\/home-savings-schemes\">Read more about home saving\n        schemes<\/a>","homeSavingsSchemePreFinancingType":"Home savings pre financing type","homeSavingsSchemeSavingProportion":"Requested savings","homeSavingsSchemeSavingProportion.help":"Percentage of subscribed capital to be saved to be eligible to the\n        home savings loan","homeSavingsSchemeSavingRate":"Savings interest rate","homeSavingsSchemeSavingRate.help":"Return rate applied on the savings balance","homeSavingsSchemeSavingFinalLendingRate":"Home savings rate","homeSavingsSchemeSavingFinalLendingRate.help":"Prime rate applied during the lending phase of the home savings \n        scheme. <a href=\"\/content\/home-savings-schemes\">Read more about home \n        saving schemes<\/a>","totalAcquisitionPrice.affordabilityExplanationDetails":"To finance","downPayment.help":"The down payment is the initial payment when you buy\n        your home on credit. If you enter a 100% down payment, this means you\n        will buy the home cash","mortgageDownPayment.help":"Personal savings used in the project","mortgageDownPayment.help.affordability":"Personal savings used in the \n        project. This may include the equity from the sale of your current \n        primary residence you would inject in the project","previouslyUsedTaxCredit.help":"If you have already used your stamp duty\n        tax credit (fully or in part) on a previous primary residence\n        acquisition, enter the amount of tax credit already used. The amount\n        can not exceed \u20ac&nbsp;20&nbsp;000 if you are single and \u20ac&nbsp;40&nbsp;000 \n        if you are married","inflation.help":"Inflation is the rate at which prices for goods and\n        services is rising over the analysed period. You should enter here your\n        long-term expectation of the inflation rate in Luxembourg.","annualHomeValueIncrease.help":"Annual Home Value Increase is the yearly\n        projected increase or decrease in property prices over the analysed\n        period. You should enter here your long-term expectation of the\n        Luxembourg property price evolution","upfrontCosts.help":"Upfront costs correspond to the down payment plus\n        the acquisition costs for this home (i.e. the home acquisition costs\n        and the mortgage closing costs)","marginalIncomeTaxRate.help":"The marginal income tax rate is the tax rate\n        you pay on the highest tranche of your annual income net of social \n        contributions and other applicable deductions. You can\n        choose your marginal tax rate from the below table. When married, the\n        effective tax rate is applied on your total gross income (i.e. the\n        couple income) based on twice the income tranche referred below\n        <table class=\"income-tax-rate-table\"><thead><tr><td>Income<\/td><td>*Effective Rate<\/td><\/tr><\/thead><tbody><tr><td>\u20ac0 - 11,265<\/td><td> -<\/td><\/tr><tr><td>\u20ac11,265 - 13,137<\/td><td>8.56%<\/td><\/tr><tr><td>\u20ac13,137 - 15,009<\/td><td>9.63%<\/td><\/tr><tr><td>\u20ac15,009 - 16,881<\/td><td>10.70%<\/td><\/tr><tr><td>\u20ac16,881 - 18,753<\/td><td>11.77%<\/td><\/tr><tr><td>\u20ac18,753 - 20,625<\/td><td>12.84%<\/td><\/tr><tr><td>\u20ac20,625 - 22,569<\/td><td>14.98%<\/td><\/tr><tr><td>\u20ac22,569 - 24,513<\/td><td>17.12%<\/td><\/tr><tr><td>\u20ac24,513 - 26,457<\/td><td>19.26%<\/td><\/tr><tr><td>\u20ac26,457 - 28,401<\/td><td>21.40%<\/td><\/tr><tr><td>\u20ac28,401 - 30,345<\/td><td>23.54%<\/td><\/tr><tr><td>\u20ac30,345 - 32,289<\/td><td>25.68%<\/td><\/tr><tr><td>\u20ac32,289 - 34,233<\/td><td>27.82%<\/td><\/tr><tr><td>\u20ac34,233 - 36,177<\/td><td>29.96%<\/td><\/tr><tr><td>\u20ac36,177 - 38,121<\/td><td>32.10%<\/td><\/tr><tr><td>\u20ac38,121 - 40,065<\/td><td>34.24%<\/td><\/tr><tr><td>\u20ac40,065 - 42,009<\/td><td>36.38%<\/td><\/tr><tr><td>\u20ac42,009 - 43,953<\/td><td>38.52%<\/td><\/tr><tr><td>\u20ac43,953 - 45,897<\/td><td>40.66%<\/td><\/tr><tr><td>\u20ac45,897 - 100,002<\/td><td>41.73%<\/td><\/tr><tr><td>\u20ac100,002 - 150,000<\/td><td>42.80%<\/td><\/tr><tr><td>\u20ac150,000 - 200,004<\/td><td>44.69%<\/td><\/tr><tr><td>\u20ac200,004 and more <\/td><td>45.78%<\/td><\/tr><\/tbody><\/table> *includes the employment fund surcharge","personsInHousehold.help":"Persons in Household is the number of\n        persons in the household including parents and children","interestSubsidies.help":"Interest subsidies apply when the employer\n        provides financial support in connection with mortgage interests that\n        the employee pays to a third-party institution. Usually, the interest\n        subsidies are paid out of the annual bonus of the employee. Tax-exempt\n        interest subsidies are limited to \u20ac&nbsp;3&nbsp;000 for singles\n        and \u20ac&nbsp;6&nbsp;000 for married couples or singles with dependent children","monthlyRent.help":"The equivalent monthly rent is the rent\n        you will pay for a home equivalent to the one you can buy. You should\n        enter the rent excluding monthly charges","annualRentIncrease.help":"Annual rent increase is the yearly projected\n        increase in rent prices over the analysed period. You should enter here\n        your long-term expectation of the Luxembourg rent price evolution","annualRateOfReturnOnSavings.help":"The annual rate of return on savings\n        is the yearly projected interest\/financial return you can receive from\n        your bank or financial institution on your investments. You should enter\n        here your long-term expectation of annual rate of return on savings","costOfBuying.help":"Buying (excluding proceeds) is the cost of buying\n        this home over the analysed period without considering its value and the\n        net proceeds you could realise by selling this property","costOfBuyingIncludingProceeds.help":"Buying (including proceeds) is the\n        cost of buying this house over the analysed period considering the net\n        proceeds you could realise by selling this property. If the cost of \n        buying including proceeds is negative,  this means that you have done \n        very well and that the net gain you made out of your home exceeds the \n        total cost of buying over the analysed period","monthlyIncome.help":"Monthly income is the household after tax monthly\n        income including salaries, rents and other recurring revenues. \n        This includes any received alimony","monthlyDebtCharge.help":"Monthly debt charge is your monthly debt\n        payments relative to buy-to-let loans, car loans and student loans, as\n        well as family charges (child support, alimony, nursery and school \n        fees) but excluding current mortgage payment, unless you make this \n        simulation to estimate your capacity to make a buy-to-let investment","monthlyFamilyCharge.help":"Monthly family charge corresponds to child\n        support, alimony, nursery and school fees","homeAcquisitionCosts.help":"This amount correponds to the stamp duty\n        (registration + transcription), notary fees and other ancilliary charges\n        and taxes directly related to the acquisition of this home","acquisitionCosts.help":"This amount correponds to the stamp duty\n        (registration + transcription), notary fees and other ancilliary charges\n        and taxes directly related to the acquisition of this home","mortgageClosingCosts.help":"This amount correponds to the stamp duty\n        (registration + inscription), notary fees and other ancillary charges\n        and taxes directly related to the mortgage contracted for this home\n        acquisition","cashReserve.help":"The cash reserve corresponds to the amount we\n        believe is necessary to have on top of the upfront costs to comfortably\n        engage into this home acquisition and face any unforseen event. We\n        believe a comfortable cash reserve to be 3 months of mortgage payment","reevaluationAmount":"Reevaluation","heldProportion":"Percentage held","taxOnCapitalGain":"Capital gain tax","remainingCapitalGainDeduction":"Remaining Capital Gain Deduction","acquisitionPrice.help":"The Acquisition Price corresponds to the price\n        mentioned on the acquisition deed of the property. The Acquisition Price\n        to indicate here excludes the registration fees and the notary fees that\n        are automatically estimated by our calculator","taxableRevenues.help":"Your Taxable Revenues correspond to your gross\n        salaries (after deduction of the social charges) and all your other\n        revenues reduced by applicable deductions based on your personal\n        situation. They should however exclude the estimated capital gain on\n        the property resulting from this calculator. In case you are married or\n        partners, please indicate here the collectively taxable revenues of\n        the couple","capitalGainDeduction.help":"A lump-sum deduction of \u20ac&nbsp;50&nbsp;000\n        for single taxpayers and \u20ac&nbsp;100&nbsp;000 for jointly taxpayers apply\n        every 10 years. In case you have not yet used or fully used this\n        lump-sum deduction in the last 10 years, you can benefit from it on the\n        sale of this property. Please indicate here the lump-sum deduction you\n        are entitled to on the basis of your personal situation","heldProportion.help":"In case you are co-owner of the property or that you \n        are several heirs of a property inherited, indicate here your quota\n        share of ownership in the property","appraiseOnline.price":"Unsure about price?","appraiseOnline.price.salePrice":"Unsure about sale price?","appraiseOnline.rent":"Unsure about rent?","contactUsLabel":"Curious to know more?","location.long":"Location of home to appraise","characteristics.long":"Home characteristics","homeAndYou.long":"This home & you","property.long":"Property details","luxuryProperty.long":"Rent limit","location.short":"Location","characteristics.short":"Characteristics","homeAndYou.short":"Home & you","property.short":"Property","luxuryProperty.short":"Rent limit","addressPostalCode":"Postcode, street or locality","addressStreet":"Street","addressStreetNumber":"Street number","addressNeighborhood":"Neighbourhood","appraisalHomeType":"Home type","generalQualityOfHome.homeAppraisalHomeTypeHouse":"General quality of house","generalQualityOfHome.homeAppraisalHomeTypeApartment":"General quality of apartment","appraisalType":"Valuation type","appraisalType.homeAppraisalInformationMainArea":"A first valuation is at reach! You can fill ten extra inputs to get\n        a more precise result. How would you like your valuation?","areaSurface":"Living area","areaSurface.homeAppraisalInformationMainArea.homeAppraisalHomeTypeApartment":"Living area in sqm (excluding balcony and terrace)","areaSurface.homeAppraisalInformationMainArea.homeAppraisalHomeTypeHouse":"Living area in sqm (excluding basement, attic, terrace...)","numberOfBedrooms":"Number of bedroom(s)","numberOfBathrooms":"Number of bathroom(s)","numberOfIndoorGarages":"Number of indoor garage(s) \/ parking lot(s)","numberOfOutdoorParkingLots":"Number of outdoor parking lot(s)","balconyAreaSurface":"Balcony surface area in sqm","terraceAreaSurface":"Terrace surface area in sqm","gardenAreaSurface":"Garden surface area in sqm","numberOfCellars":"Number of cellar(s)","floor":"Apartment floor","view.values.open":"Unobstructed","numberOfFloorsInBuilding":"Number of floor(s) in building","numberOfFloorsInBuilding.homeAppraisalInformationMainArea":"Number of floor(s) in building (excluding groundfloor)","closeEnvironmentToNeighbourhood":"Close environment","closeEnvironmentToNeighbourhood.homeAppraisalInformationMainArea.homeAppraisalHomeTypeApartment.luxembourgCity":"In comparison to your neighbourhood, how would you qualify the close\n        environment of the building?","closeEnvironmentToNeighbourhood.homeAppraisalInformationMainArea.homeAppraisalHomeTypeApartment.otherCity":"In comparison to your municipality, how would you qualify the close\n        environment of the building?","closeEnvironmentToNeighbourhood.homeAppraisalInformationMainArea.homeAppraisalHomeTypeHouse.luxembourgCity":"In comparison to your neighbourhood, how would you\n        qualify the close environment of your house?","closeEnvironmentToNeighbourhood.homeAppraisalInformationMainArea.homeAppraisalHomeTypeHouse.otherCity":"In comparison to your municipality, how would you qualify the close\n         environment of your house?","qualityOfTheBuildingToNeighbourhood.homeAppraisalInformationMainArea.homeAppraisalHomeTypeApartment.luxembourgCity":"Quality of the building in comparison to the neighbourhood","qualityOfTheBuildingToNeighbourhood.homeAppraisalInformationMainArea.homeAppraisalHomeTypeApartment.otherCity":"Quality of the building in comparison to the municipality","qualityOfTheBuildingToNeighbourhood.homeAppraisalInformationMainArea.homeAppraisalHomeTypeHouse.luxembourgCity":"Quality of the house in comparison to the neighbourhood","qualityOfTheBuildingToNeighbourhood.homeAppraisalInformationMainArea.homeAppraisalHomeTypeHouse.otherCity":"Quality of the house in comparison to the municipality","qualityOfTheBuildingToNeighbourhood.homeAppraisalHomeTypeHouse":"General quality of the home to neighborhood","qualityOfTheBuildingToNeighbourhood.homeAppraisalInformationItem.homeAppraisalHomeTypeApartment.otherCity":"Quality of the building to municipality","qualityOfTheBuildingToNeighbourhood.homeAppraisalInformationItem.homeAppraisalHomeTypeHouse.otherCity":"Quality of the house to municipality","qualityOfTheBuildingToNeighbourhood.homeAppraisalInformationItem.homeAppraisalHomeTypeApartment.luxembourgCity":"Quality of the building to neighbourhood","qualityOfTheBuildingToNeighbourhood.homeAppraisalInformationItem.homeAppraisalHomeTypeHouse.luxembourgCity":"Quality of the house to neighbourhood","generalQualityOfTheCommonAreas":"General quality of the common parts","generalQualityOfTheCommonAreas.homeAppraisalInformationMainArea":"General quality of the common parts of the building","numberOfLivingSpaces":"Number of Living Space Stories","numberOfLivingSpaces.homeAppraisalInformationMainArea":"Number of living\n        space stories (including groundfloor)","basementAreaSurface":"Basement surface area in sqm","parcelSurface.homeAppraisalInformationMainArea":"Parcel surface in sqm\n        (including house \/ 1 are = 100 sqm)","fullyRenovated.homeAppraisalInformationMainArea":"House fully renovated\n        and modernised","generalQualityOfTheBuildingFacade":"General quality of the building\n        facade","propertyPurpose.homeAppraisalInformationMainArea":"This home is a","propertyPurpose.homeAppraisalInformationItem":"This home is a","propertyPurpose.capitalGainTax":"Property type","propertyPurpose.help.capitalGainTax":"Select \"Inheritance\" only in case\n        that you inherited this property in direct line (i.e. from your parents\n        or one or your parents), that the property has been the last principal\n        residence of your parent(s) and that you have not yet benefitted from\n        the lump-sum deduction applicable on the sale of a property inherited in\n        direct line. If the property inherited does not fulfil the above\n        criteria, please select \"Secondary Residence\"","yourHome":"Your property","yourHome.homeAppraisalInformationMainArea":"Do you own this property?","homeType.homeAppraisalInformationMainArea":"This home is","planningToSell.homeAppraisalInformationMainArea":"Are you considering selling this property?","planningToRent.homeAppraisalInformationMainArea":"Are you considering renting this property?","proceedingToSell":"How are you proceeding?","whyDoYouEvaluate":"Why do you evaluate?","whyDoYouEvaluate.homeAppraisalInformationMainArea":"Why evaluating","whyDoYouEvaluateRent.homeAppraisalInformationMainArea":"Why evaluating","latestNews":"I wish to receive the latest news from Nexvia","offersFromPartners":"I wish to receive the best offers from Nexvia\n        partners","mobilePhoneNumber.homeAppraisalInformationMainArea":"Mobile phone number\n        (an SMS activation code will be sent to access your appraisal)","getMyAppraisal.price":"Get my appraisal","emphyteuticLeaseType":"Ownership type","emphyteuticLeaseType.values.no":"Full ownership","lastValueOrigin.help":"Indicate \"sale\" whether it is a sale\n        agreement, a reservation agreement or notary deeds","lastValue.help":"This value will have no impact on your valuation","appraisalReady.price":"Your home appraisal will be ready soon!","appraisalReadyDescription.price":"Enter the activation code we just sent\n        you to access your home appraisal","indicativeValuePerSquareMeter":"Value\/sqm","indicativeValuePerSquareMeterMid":"Value\/sqm","comfortIndex":"Confidence index","parking.help":"indoor + outdoor","unloadMessage":"You have input some data on this form. Are you sure\n        you want to leave?","clickToEdit":"Click below to edit your information","tooBigParcel":"Due to the large size of this parcel, our online home\n        valuation tool may not accurately value this house. We recommend you not\n        to rely exclusively on our online valuation and to proceed to a physical\n        inspection of this house.","tooBigAreaSurface":"Due to the large size of this house, our online home\n        valuation tool may not accurately value this house. We recommend you not\n        to rely exclusively on our online valuation and to proceed to a physical\n        inspection of this house. ","tooBigParcelAndAreaSurface":"Due to the large size of this house and\n        parcel, our online home valuation tool may not accurately value this\n        house. We recommend you not to rely exclusively on our online valuation\n        and to proceed to a physical inspection of this house.","requestALoan":"Request a mortgage","years":"years","year":"year","exitYear":"Holding period","annualHomeValueIncrease.investmentReturn":"Property price evolution","investmentPropertyType":"Property type","renovationAmortizationDuration":"Renovation amortisation duration","finderManagementFeesPercentage":"Project fee","rentManagementFeesPercentage":"Management fee","downPaymentAmount":"Down payment","importantFieldsLabel":"including","internalReturnRate":"Internal rate of return","lowestCashFlow":"Low cash flow","maintenanceAndRepair":"Maintenance and repairs","maintenanceAndRepair.help":"Maintenance and repairs are expenses that\n        maintained the property. For example, a painting job or laying a new\n        flooring","salePrice.sellVsRent":"Expected sale price","monthlyRent.sellVsRent":"Expected rent","investmentPropertyType.help":"Off-plan corresponds to a \"Vente en \u00c9tat \n        Futur d'Ach\u00e8vement\" (VEFA), New corresponds to a newly constructed \n        property (ready to let) bought from the developer, Existing \n        corresponds to properties that are older than 6 years or 5 years if \n        acquisition occurred after 2020, Existing more \n        than 60 years corresponds to properties older than 60 years","leverage.help":"The Leverage is the percentage of the investment you\n        finance through debt. The investment amount includes the acquisition\n        price, the renovation costs & the investment expenses (when applicable\n        for existing properties). It is assumed in our calculator that the stamp\n        duty, the notary fees and the kitchen & cupboards' costs (applicable to\n        off-plan and new properties) are directly paid by the investor (and\n        included in the down payment)","taxClass.help":"The Tax class depends on your marital status. Class 1\n        is for single persons, class 2 is for married persons as well as civil\n        partners (under certain conditions), class 1a is for single persons with\n        children as well as single taxpayers aged at least 65 on 1 January of\n        the tax year","inFineLoanShare.help":"The In fine loan share corresponds to part of the\n        loan you obtain to finance the acquisition on which you will only pay\n        the interest. The capital due at the end of this loan will hence remain\n        the same. In fine recourse improves the cash flows to the investor\n        during the investment period","kitchenAndCupboards.help":"Kitchen and cupboards correspond to the\n        amount you pay for installing a new kitchen and new cupboards (if\n        applicable). In case of furnished rental, you can also include here\n        the price paid for new furniture","investmentExpenses.help":"The Investment expenses correspond to the\n        amount you invest in the property to upgrade its original state, e.g.\n        house extension, conversion of an attic into a living surface or\n        construction of an additional bathroom","renovation.help":"Renovation corresponds to the amount you invest in the\n        property to enhance its current state, e.g. reparation works, change of\n        old tiling or wooden flooring, bathroom renovation, painting","finderManagementFeesPercentage.help":"The Project fee is the amount you\n        pay to an adviser to invest in a buy-to-let property in a hassle-free\n        manner and with all the care, assistance and advice necessary to make an\n        informed and successful investment. At Nexvia, our one-stop shop\n        investment solution entails tailored and detailed financial simulations,\n        identification and presentation of the investment opportunities\n        (including off-market), advice for the ideal financial structuring\n        according to your objectives and overall supervision of the project\n        (including construction supervision for off-plan apartments). The\n        project fee corresponds to a percentage of the Acquisition Price in our\n        model","rentManagementFeesPercentage.help":"The Management fee is the property management fee\n        applicable if you choose to fully outsource the management of the\n        buy-to-let investment during the rental period. The management\n        fee corresponds to a percentage of the rents paid by the tenant","cumulatedCashFlow.help":"A negative Cumulated cash flow corresponds to\n        the savings required by the investor during the investment period\n        (excluding the down payment) to finance the buy-to-let\n        investment. A positive cumulated cash flow corresponds to the revenues\n        generated by the investor during the investment period","cumulatedNetCashFlow.help":"A negative Cumulated net cash flow\n        corresponds the savings required (after tax) by the\n        investor during the investment period (excluding the down payment) to\n        finance the buy-to-let investment. A positive cumulated net cash flow\n        corresponds to the net revenues (after tax) generated\n        by the investor during the investment period","cumulatedTaxSavings.help.investmentReturn":"For off-plan and new properties achieved after 2020, we take the\n        assumption of a 5% accelerated amortisation rate.\n        Please note that this amortisation rate falls to 4% for\n        households where the accelerated amortisation basis is above\n        1&nbsp;000&nbsp;000\u20ac ; this limit is doubled if you are married or under\n        partnership","netProceedsFromSale.help":"The Net proceeds from sale are the money\n        obtained at the sale of the property after repayment of the remaining\n        loan balance, payment of the capital gain tax (if applicable) and\n        payment of the selling cost (agency fee)","internalReturnRate.help":"The Internal rate of return is the rate of\n        return on own funds that will be earned on the buy-to-let investment.\n        It corresponds to the annualised effective compounded return rate of\n        the money invested by the investor in the project","cashOnCash.help":"Cash-on-cash corresponds to the multiple earned over\n        the investment during the investment period","vacancyRate.help":"The Vacancy rate is the percentage of time when the\n        property will not have a tenant","assuranceDependanceLiable.help":"People contributing to the \n        luxembourgish healthcare system have to pay the Contribution assurance\n        d\u00e9pendance","deferredKitchenAndCupboards.help":"Kitchen and cupboards related\n        expenses will be due after construction, in year 2","monthlyRentalIncome.help":"Your rental income, excluding the one from property you wish to \n        finance","globalEvolution":"Country average","adjustmentsTitle":"Key elements","adjustmentsTitle.price":"Key elements impacting your valuation","adjustmentsTitle.rent":"Key elements impacting your rent","marketGraphTitle":"Transaction prices","marketGraphTitle.house":"Apartment transaction prices","Luxembourg.marketChart":"Lux. city","propertyEvolution":"This property","neighborhood":"Neighbourhood","calm":"Quietness","calm.values.calm":"Quiet","homeAppraisalPrecisionLabel":"Want to refine your result?","callToActionLabel.quick":"This is just a <span class=\"appraisalType\">quick<\/span> valuation, this\n        result <span class=\"appraisalPrecision\">could lack precision<\/span>.","callToActionEditLabel":"We can give you a \n        <span class=\"appraisalPrecision\">more precise<\/span> online \n        valuation but we would need ten extra information.","callToActionEditButton":"Refine with 10 extra criteria","totalInterests":"Interests","whatToEstimate":"Simulate","openingCosts.help":"This amount corresponds to the stamp duty\n        (registration + inscription), notary fees and other ancillary charges\n        and taxes directly related to the mortgage contracted for this home\n        acquisition. <span class=\"bold\">Nexfin is a free service and does not\n        incur any cost<\/span>","insuranceAnnualPaymentsTotal":"Mortgage insurance","insuranceOneOffPayment":"Mortgage insurance","exitPenalty.help":"Penalty charged for the interruption of a fixed rate \n        loan","homeSavingCharges.help":"Charges related to the subscription and\n        potentially the opening of the home saving scheme loan","constructionYear.help.sellVsRent":"This is the completion date of your property","constructionYear.help.investmentReturn":"This is the completion date of your property","contactPurpose":"Why do you need us?","message":"Any message for us?","financingProjectType":"Project type","currentFinancingType":"Type","currentFinancingRate":"Rate","currentFinancingInitialDuration":"Initial duration","currentFinancingRemainingPrincipal":"Remaining principal","currentFinancingSignatureYear":"Signature year","advisor":"Adviser","calendarDay":"Day","calendarAddress":"Address","affordabilityModelPurpose":"I wish to","estimatedMonthlyRent":"Estimated rent","postMortgageRemainingIncome":"Remaining income","riskMetricsWarning.capacity":"Considering your\n        situation, a lender would require a remaining income of\n        <span class=\"amount\">%minimumMonthlyNetIncome%<\/span> after the payment\n        of your debt charges, including a potential mortgage. To achieve this,\n        you would need an income\n        <span class=\"amount\">%recommendedMonthlyIncome%<\/span>. By using\n        your down payment only, you could afford a property of\n        <span class=\"amount\">%recommendedHomePriceWithoutMortgage%<\/span>.","affordabilityRiskMetricsWarningEditFormButton":"Edit my information","affordabilityResultPreviewWarningLabel":"It would be hard for you to get a financing for this project","authenticationFormLabel":"<p>We don't think passwords are convenient,\n        we use the same everywhere, we never remember them and we end up using\n        the email anyway.<\/p>\n        <p>At Nexvia, we just send you a secured link, valid for ten \n        minutes, you click and you are in.<\/p>","authenticationFormStatusMessageSuccess":"We sent you an email. Yes, it is that fast!","authenticationFormStatusMessageError":"An error occurred, sorry for that, please reach out tell us about \n            this!","messagesViewStyleToggle.short":"Show the other\n        %missingMessagesCount% information messages","messagesViewStyleToggle.full":"Hide","copySimulationLink":"Copy link","simulationLinkHasBeenCopied":"Link copied!","nxfront\/isnumeric\/notnumeric":"The value must be numeric","nxfront\/isbetween\/notBetween":"The value must be between $0 and $1","nxfront\/isbetween\/notBetween.consistency":"The value you entered does not\n        seem standard. Are you sure it is #value?","nxfront\/isbetween\/notBetween.consistency.amount.expertValuation":"This value is a lot different from the one from our model. Do you \n            confirm #value?","nxfront\/ispositive\/notPositive":"The value must be positive","nxfront\/isgreaterthan\/notGreaterThan":"The value must be greater than $0","nxfront\/islongerthan\/notLongerThan":"The value must be more than $0 characters long","nxfront\/isint\/notint":"This should be an integer","nxfront\/matchesregex\/donotmatch":"This format is incorrect","nxfront\/isphonenumber\/notaphonenumber":"This is not a valid european mobile phone number","nxfront\/email\/notanemail":"This is not a valid email","nxfront\/notanemailoraphonenumber":"This is not a valid email or \n        a valid european mobile phone number","nxfront\/postalcodenotin\/in":"We could not find a result from this","nxfront\/lengthequal\/notequal":"This should be $0 characters long","nxfront\/activationtokennotin\/in":"This activation code is invalid","nxfront\/notempty\/empty":"This should not be empty","nxfront\/ischecked\/notchecked":"This has to be checked","validator\/isin\/notInArray.segmentedSelect.appraisalHomeType":"<div class=\"landMessage\"><p>We do not support online land valuation \n            yet.<\/p>\n        <p class=\"bold\">However we can assist you in your sale.<\/p>\n        <a class=\"btn btn-primary\" \n            href=\"\/land\" target=\"_blank\">Land the best deal<\/a><\/div>","locale":"en","preferredCommunicationLanguage.default":"english","sqm":"sqm","quarterTag":"Q","month":"month","emptyList":"Nothing to show here yet","summary.affordabilityModelPurpose.feasibility":"<span class=\"affordabilityModelPurpose\">feasibility<\/span>","summary.affordabilityModelPurpose.capacity":"<span class=\"affordabilityModelPurpose\">capacity<\/span>","summary.ligature.affordabilityModelPurpose.feasibility.propertyPurpose":" of a ","summary.ligature.affordabilityModelPurpose.capacity.propertyPurpose":" for a ","summary.propertyPurpose":"%propertyPurpose%","summary.propertyPurpose.buyToLet":"%propertyPurpose% investment","summary.ligature.propertyPurpose.homePrice":" of ","summary.ligature.propertyPurpose.mortgageDownPayment":" ","summary.homePrice":"%homePrice%","summary.mortgageDownPayment":"with a %mortgageDownPayment% down payment","summary.downPaymentAmount":"with a %downPaymentAmount% down payment","summary.ligature.downPaymentAmount.insurance":" and ","summary.insurance":"with mortgage insurance","summary.noInsurance":"without mortgage insurance","summary.homeOwnershipStatus":"","summary.homeOwnershipStatus.firstTimeBuyer":"First time buyer","summary.homeOwnershipStatus.alreadyAnOwner":"Borrower","summary.ligature.homeOwnershipStatus.numberOfBorrowers":"","summary.ligature.numberOfBorrowers.monthlyIncome":" with a ","summary.monthlyIncome":"%monthlyIncome% income","summary.ligature.monthlyIncome.monthlyDebtCharge":", with a ","summary.ligature.monthlyIncome.monthlyDebtCharge.0":"","summary.monthlyDebtCharge":"monthly debt of %monthlyDebtCharge%","summary.noMonthlyDebtCharge":"","summary.previouslyUsedTaxCredit":"%previouslyUsedTaxCredit% used tax credit","summary.ligature.monthlyDebtCharge.previouslyUsedTaxCredit":", ","summary.noPreviouslyUsedTaxCredit":"full tax credit available","summary.numberOfBorrowers.singular":"One borrower","summary.numberOfBorrowers.plural":"%numberOfBorrowers% borrowers","summary.numberOfBorrowers.singular.affordability":"","summary.numberOfBorrowers.plural.affordability":"s","ligature.numberOfBorrowers.numberOfChildren":" with ","summary.ligature.numberOfBorrowers.yearlyIncome":" ","summary.noNumberOfChildren":"","ligature.numberOfChildren.yearlyIncome":" ","summary.numberOfChildren.singular":"%numberOfChildren% child","summary.numberOfChildren.plural":"%numberOfChildren% children","summary.yearlyIncome":"earning a %yearlyIncome% net yearly income","summary.mortgageDuration":"Loan over %mortgageDuration%","summary.ligature.mortgageDuration.interestRate":" with an ","summary.interestRate":"interest rate of %interestRate%","summary.interestRateEvolution":"rate evolution of %interestRateEvolution% over the loan duration","summary.ligature.interestRateEvolution.prematureExitAfter":" and ","summary.noPrematureExitAfter":"no premature exit","summary.prematureExitAfter":"premature exit after %prematureExitAfter%"}