1 : What is life annuity ?Definition of a life annuity : Life annuity means "time of life". The life annuity consists in selling a real estate to a third party in exchange for the payment of a periodic (monthly) life annuity. This annuity can be accompanied by a bouquet, i.e. a sum of money paid in cash at the time of the signature of the sale act.
2 : What is the occupied life annuity ?The occupied life annuity : The seller transfers his property to the buyer but retains his right of use and habitation. He can thus continue to occupy it until his death. The occupied life annuity corresponds to the sale of a real estate (housing, house, ground...) of which the creditor (salesman) reserves a Right of Use and Dwelling (to occupy the good) or a usufruct (to occupy or rent the good) during his life.
3 : What is the free life annuity ?The free life annuity : The seller transfers his property to the buyer who can occupy it as soon as the deed of sale is signed without having to wait for the death. The free life annuity corresponds to the sale of a real estate whose debirentier (the purchaser) will have the free disposal of the good. The purchaser can occupy or rent the property at his convenience. The seller benefits from a bouquet at the signature of the sale and from an annuity for life (he exchanges the potential rents against a low taxed and totally secured annuity). Translated with www.DeepL.com/Translator (free version)
4 : Benefits to the seller
Advantage to the seller:
Seller no longer pays:
5 : Advantages for the purchaser
Advantage for the buyer:
6 : How to estimate your property (rent and bouquet)?
To estimate a life annuity it is necessary to establish a calculation, with the age of the person, the price of the good determined by our experts, if this person wishes to occupy it (usufruct), we will establish a calculation with the selling price, a percentage with the occupation of the good which will determine us the price of the bouquet.
7 : How to determine a life annuity?
Thus, only a fraction of the life annuity is taxed, as follows:
8 : Why call on us for your life sale ?
The life annuity is a complex procedure that it is preferable to carry out with a professional.
Our experts Arthurimmo.com, accompanies you throughout the procedure and until the signature of the sale contract.
Arthurimmo.com offers you your life annuity as well as your bouquet.
We are an agency specialized in life annuity, formed by the national center of expertise.