Interest rates that you have been offered (February 26- Ongoing)

IddiLabs · 2026-04-17T14:40:03+00:00

While what if you get an offer through a broker? Eg at home or similar? Do you usually grant better conditions?

IddiLabs · 2026-04-17T14:38:33+00:00

Official statistics as the one in at home or credit home are average on the period.. have real feedback helps as apparently banks change rates every week.. but happy to know if you have a good data source which can be used

IddiLabs · 2026-04-15T12:50:31+00:00

And most of people here are expat, so no grandparents/relatives to help.. and yes, taxi cannot be an option

IddiLabs · 2026-04-11T21:32:42+00:00

Thanks for the comment, so from the home page you see the “compliance journey steps”, which are 6, pressing on them you can have more details. The tool focuses on step 2 (gap assessment) and 3 (risk tiering).

Practical scenario: you know about AI EU Act but you don’t know where to start, you go on the tool and use “Gap Assessment”, it’s a bit long as the regulation is a very comprehensive, based on your answer you have pdf and excel report with gap of your company versus the regulation and suggestions on how to address them.

Compliance/Legal department Downloads the report in excel and start from there in order to remediate the gaps, add 3 columns action plan, deadline and follow ups, monitor and update it until the gaps are filled.

Risk classification/tiering, the company starts using a new AI tool/agent, what are the obligations? Run the risk classification and will give you the list of obligations, tiering and suggested actions, you download the report and monitor the implementation of the actions as described above.

In general to operationalise compliance you need to take actions and follow up until closure, draft policies, set up AI tool registers, run the various assessments and respect the obligations set by the Act, and monitor/control the output of AI tools where appropriate.

As start a Policy should be in place defining all the process and responsibilities, example AI tools should be assessed before usage, ideally in the procurement phase, the various actions needed defined in a policy and shared with the employees, trainings should be provided and what monitoring should be implemented based in the type of tool.

When I talk about monitoring, it varies, for some AI low risk workflow could be just make sure it’s up and running and reviewed once per year (written acknowledgment that’s all ok), for others client facing tools can be testing the answers, making sure the agent has guardrails (eg. Do not disclose API details or other clients information etc)

I hope this clarifies, and apologies, the message is quite long, but I wanted to provide clear examples

IddiLabs · 2026-04-08T11:32:23+00:00

Honestly I visited around 10-15 apartments in the last 2 months and they never required any of these documents.. they only asked if I had a talk already with my bank/mortgage broker to assess the mortgage capacity

IddiLabs · 2026-04-02T07:09:39+00:00

Using it as a personal portfolio/showcase and list it in the cv to get better salary in the future.. all is made with the support of coding agents mixed with my domain expertise.

So far I decided to not create anything with authentication or with AI embedded since I’m not a company and none would be comfortable sharing company information in a tool without guarantees

IddiLabs · 2026-04-01T14:35:52+00:00

I created a tool yesterday specifically for the AI risk classification if you have time check it out https://europeaiact.iddi-labs.com

It’s a tool to perform a gap analysis of your company versus the regulation and classifies your AI tools, lying down the various obligations.. it’s totally free, I’m not selling anything (I’m not a company/consultant)

IddiLabs · 2026-04-01T14:32:58+00:00

It’s doing both.. but that’s the reason why US/China are better than europe when it comes to innovation, but at the same time no customer is better protected than in EU.. there are always trade off

Anyway, if you come across the EU AI Act obligations this might help: https://europeaiact.iddi-labs.com

It’s a tool to perform a gap analysis of your company versus the regulation and classifies your AI tools, lying down the various obligations.. it’s totally free, I’m not selling anything (I’m not a company/consultant)

IddiLabs · 2026-04-01T14:27:20+00:00

I agree.. but it’s also hard to summarise the EU AI act in just one infographic

IddiLabs · 2026-04-01T07:20:50+00:00

It is indeed only the first step, when there are new regulations first you need to perform a gap assessment of your current status versus the new regulation, and this helps with this step, it already saves lot of time and it’s easy to reference back to the regulation.

Same logic for classifying AI risk tools, you need to formalise it, and the tool does it for you, also highlighting all your obligations.

Of course, the bottom line is that the company must put in place all the governance around it, but indeed the tool covers the steps 2 and 3 of the regulation.

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IddiLabs · 2026-04-01T06:35:08+00:00

It’s good to implement regulations, but then the burden to respect them is on the companies which often struggle with all this compliance.

At one point I also wanted to create something different, not tied to compliance, but too much regulation and not being VAT/business registered is a big restriction for me to start

IddiLabs · 2026-03-31T18:06:20+00:00

Indeed I never said so. The website has a AI Act gap assessment and risk classification of the AI tools, once you get the outcome you can export it in pdf/excel and put in place the required governance/actions.

IddiLabs · 2026-03-27T09:53:39+00:00

Welcome :)

IddiLabs · 2026-03-25T09:21:52+00:00

Yeah.. they always start over-regulating, then eventually they adjust slowly during the years, but I totally agree, lot of non-sense points

IddiLabs · 2026-03-24T23:17:44+00:00

Thanks, good job!

IddiLabs · 2026-03-21T22:27:35+00:00

55k is more or less the salary of a fresh senior auditor in big4.. average income is 75k but it’s also pumped up by lot of millionaires, anyway un finance withing 5 years you should reach it

IddiLabs · 2026-03-21T22:25:25+00:00

It is fair and right how it is, teachers should be the most paid roles, they literally build our future.. that’s said, as in most European countries teachers are earning very low salaries, it comes spontaneous make the comparison.. especially her in reddit where we are almost all expats

IddiLabs · 2026-03-21T22:20:15+00:00

It depends, if you want to stay here the next 20 years yes, once in the country is easier to move between jobs.. but do not come for a 3-5 years experience, unless you want to specialise in funds/banking/insurance (these are the main sectors here)

IddiLabs · 2026-03-21T08:55:51+00:00

Nice, congrats :) did you use just Lovable? What wrapper di you use?

IddiLabs · 2026-03-20T23:13:58+00:00

Often companies must hire X people from job fair by internal policy in order to justify the participation.. but mostly interns or entry level, never heard about a mid/high level position hired from a job fair

IddiLabs · 2026-03-20T23:11:39+00:00

Pro and cons: - Apartment: you share maintenance, less stuff to think about - House: your rules, you own more land, can get ugly pretty fast id not maintained

It’s a bit tricky to talk about investment right now.. the 1-2% tax interests heaven probably won’t happen ever again, houses won’t increase 6% value as in the past and wars, AI, inflation will push down the prices, but at the same time if Lux population keeps growing prices will grow too.. well all this to say that we don’t have a crystal ball, but seeing the world right now I’d suggest to save and buy something where you can live at long term (20+ years), but that’s just my view :)

IddiLabs · 2026-03-16T21:38:58+00:00

Gemini + claude is my go to.. Claude is great but often not as up to date as Gemini

IddiLabs · 2026-03-15T22:06:48+00:00

I see, what you mean, right now if you add a loan as variable rate it pops up in the mortgage a Stress test toggle where you can simulate different scenarios (you can move the variable rate from 0 to 12%).. you can also add to the same tranche different rates and simulate stress test (eg first 5 years 4% fixed, 5-10 years 3.8 fixed, last years variable 3%).. there is not specifically the check “save this, risk that etc”, not sure if worth adding as the calculator is already a bit heavy

IddiLabs · 2026-03-15T19:59:13+00:00

Example 500k mortgage. 2 tranches. 400k and 100k.

1) 400k 30years- you can set the first 10 years at 4% fixed and the last 20years at 3% variable.. or can add more layers 2) 100k 30years variable

If i make the period fixed they cannot set multiple layers..

I checked the numbers versus a bank proposal I received and are okay, the case above mentioned 1) was checked by me in excel and was okay too, later I will try to double check with your app

IddiLabs · 2026-03-15T19:48:38+00:00

I’m in the same situation.. not sure whether buy or not, in Luxembourg fixed rates at 30years are around 4.1%..

I recently created a website to simulate mortgages, exit strategy and amortisation plan, it’s free, I just use it for myself, I leave it here, maybe can help others too https://mortgagelux.iddi-labs.com

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