Life annuity - Bare ownership

The buyer pays an initial lump sum (bouquet) then an annuity to the seller. In an occupied viager, the seller keeps the use of the property for life; in a vacant one, the buyer has immediate use.

Yes. It allows the owner of a mansion or prestige apartment to supplement their income while staying at home, and the investor to acquire an exceptional property at a discount.

Based on the property’s market value, the seller’s age and life expectancy, and the value of the right of use for an occupied viager. We prepare a detailed simulation.

Yes: the notarial deed generally includes a termination clause and a seller’s lien, protecting the annuitant in case of non-payment.

Yes, from valuation to signing at the notary, in Alsace, Grand Est and across France, with our partner notaries and wealth advisers.