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Remote financial services
Banque et Caisse d’Epargne de l’Etat, Luxembourg (BCEE)
Autonomous public institution
Main activity: Full-service banking
Registered office
1, place de Metz
L-2954 Luxembourg
Postal address
Boîte Postale 2105
L-2954 Luxembourg
Registration number in the Luxembourg Commercial Register: B 30 775
BCEE is registered on the official list of Luxembourg financial institutions held by the regulatory
authority Commission de Surveillance du Secteur Financier (CSSF).
Regulatory authority
Commission de Surveillance du Secteur Financier (CSSF)
110, route d’Arlon
L-1150 Luxembourg
Mortgage housing loans
For a description of the main features of home loans, please see the « Mortgage Housing Loan at
the BCEE » brochure published on the www.bcee.lu website.
Rates for home loans are provided on the “Mortgage loan simulator” page on the www.bcee.lu
website and in the « Mortgage Housing Loan at the BCEE » brochure published on the
www.bcee.lu website.
The various charges listed therein may be cumulated, where applicable.
In reference to Articles 19.1 par. 2 and 19.2 of our General Terms and Conditions for Transactions,
please note that “the Banque et Caisse d'Epargne de l'Etat, Luxembourg reserves the right to change
charges and fees. Any change in charges, fees and interest rates shall entail a corresponding right for
the Customer to terminate the agreement where the cost involved becomes excessive in comparison
to the cost he/she/it could have expected when the agreement was entered into.”
Should you require any further information, our branch personnel will be happy to help.
Methods of payment or execution:
Loan repayments and related costs are debited from the account designated for this purpose.
Minimum term:
Please see the BCEE’s General Terms.
Termination:
Please see the BCEE’s General Terms and Conditions.
Applicable language of communication:
When entering your data, you chose English as your language of communication with BCEE.
Consequently, BCEE will continue to use this language throughout the contractual relationship.
Applicable legislation:
Please see the BCEE’s General Terms and Conditions.
Competent jurisdiction:
Please see the BCEE’s General Terms and Conditions.
Out-of-court claim procedures:
Please note that before resorting to any legal proceedings, you may avail of the BCEE Compliance
department’s claims procedure and of the claims procedure provided for in Article 58 of the Act of 5
April 1993 relating to the financial sector. Pursuant to this text, the Commission de Surveillance du
Secteur Financier is empowered to handle customer claims in relation to entities subject to its
supervision and to intervene with said entities in order to settle any such claims amicably.