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Start living your best years with total peace of mind
The 3 key advantages
of viager
to boost
purchasing power
Additional income
When you sell your property through a viager or as bare ownership, you can retain lifetime occupancy rights. You then receive an initial lump-sum payment (bouquet) and monthly annuities, calculated according to the property’s value and your age, with an allocation tailored to your wishes.
Tax
exemptions
The tax impact on your viager income is minimal. The initial lump sum is tax-free, and the life annuities benefit from a 70% tax allowance (starting at age 70). You may also qualify for a reduction in real estate wealth tax.
A reduction
in your expenses
In the case of an occupied viager, you are only responsible for tenant-related charges for your property. All major repair and maintenance costs for the building, as well as property taxes, are covered by the buyer.
YOUR ASSETS
Guidance and expertise
Because we understand how significant this decision is for you, we make every effort to advise and support you throughout the entire process
The 5
main benefits
of viager
real estate
Stay in the comfort of your home
With an occupied viager, you can retain the lifetime right of use and habitation for your property. This allows you to continue living at home without changing your lifestyle, while significantly increasing your income. By selling bare ownership, you also retain the option to rent out your property.
Benefit from a tailored contract
The structure and terms of the viager adapt to your needs:
• Occupied viager, bare ownership, or forward sale
• Split between initial lump sum and monthly annuities
• Annuity increase in the event of early handover
• Annuities indexed to the cost of living
Enjoy full legal protection
A viager is a contract executed before a notary that establishes a first-priority lien in your favor: the seller’s lien.
This allows you to reclaim your property in the event of default.
Pass assets on to your family
Selling in viager does not mean disinheriting your heirs. You can choose to help your loved ones during your lifetime by gifting them a portion of your capital. Such gifts can benefit from significant tax relief.
Protect
your spouse
When a property is sold in viager by a couple, the annuity is fully transferable to the surviving spouse free of inheritance tax.
Viva Viager
The Viva Viager Commitment provides lifelong support and diligent monitoring of your viager contract.
