Stay at home, leverage your assets.

The 'bouquet' corresponds to the portion of the price paid in cash at the time of signing. It depends on the property value, the seller's age, and the chosen annuity amount.

The higher the annuity, the lower the lump sum (bouquet). Conversely, a high lump sum reduces the life annuity. We calculate several scenarios to find the balance between immediate capital and regular income, in conjunction with your notary and wealth advisor.

In a life annuity with retained right of use (viager occupé), the seller retains the use of the property. In a vacant life annuity (viager libre), the buyer takes possession immediately.

Occupied life annuity allows you to stay in your home while receiving a lump sum and an annuity. Vacant life annuity offers an immediate rental yield to the buyer. The choice depends on your situation, your age, and your wealth management project.

Yes, life annuity is often suitable for owners wishing to supplement their income without leaving their home.

In Aix-en-Provence, where real estate assets are high, the life annuity scheme allows to unlock part of the property's value while maintaining one's lifestyle. The annuity is indexed and paid for life, regardless of longevity.

The 'bouquet' is subject to real estate capital gains tax according to standard rules. The annuity is taxed as a life annuity under the progressive tax scale.

Tax relief applies based on the duration of ownership and the seller's age at the time of sale. We can direct you to a notary and a tax advisor to precisely calculate the taxation applicable to your situation.

In a life annuity with retained right of use, the seller remains the usufructuary and generally continues to bear the property tax and standard occupancy charges.

The buyer, as the bare owner, pays for major structural repairs. These allocations are specified in the authentic deed. We help you anticipate these clauses before signing the preliminary sales agreement.

The main risk is the seller's longevity. An excessively high annuity can extend the return on investment. Accurate file information reduces this risk.

We select informed buyers, assist with medical verification, and structure the file with the notary. Life annuity remains a serious wealth management operation, provided it is prepared and calculated with rigor.

Yes, life annuity is possible for apartments, houses, and estates in the Pays d'Aix. Demand exists among wealth-management investors.

The life annuity market in Aix-en-Provence is driven by the quality of the heritage, the climate, and the demand for residential properties. We study the feasibility of each case, search for the appropriate buyer, and support the transaction through to the deed.