The price generally consists of a bouquet and an annuity. The bouquet is the portion of the price paid in cash upon signing the sales contract, and its amount is freely set by the parties.
\nThe annuity can be monthly, quarterly, or annual, and payable in advance or in arrears. Its amount is estimated based on several criteria, including:<\/p>\n
- \n
- the age and life expectancy of the annuity recipient<\/li>\n
- the value of the property<\/li>\n
- the (imputed) rent that could be collected if the home were rented out<\/li>\n<\/ul>\n<\/div>\n<\/div>\n <\/div>[\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”0px” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”relative” advanced_gradient_angle=”180″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” gradient_type=”advanced” advanced_gradient_display_type=”linear” column_padding_type=”default”][vc_row_inner 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preserveaspectratio=”center” json_url=”https:\/\/www.vivaviager.com\/wp-content\/uploads\/2025\/05\/Animation-1747837174402.json” trigger_delay=”500″][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row type=”full_width_content” full_screen_row_position=”middle” column_margin=”default” equal_height=”yes” content_placement=”middle” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”column_reverse” bg_color=”#f8f8f8″ scene_position=”center” top_padding=”5%” bottom_padding=”7%” left_padding_desktop=”7%” constrain_group_2=”yes” right_padding_desktop=”7%” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” row_position_desktop=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” advanced_gradient_angle=”0″ overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column 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row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” advanced_gradient_angle=”0″ gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” gradient_type=”default”][split_line_heading line_reveal_by_space_text_effect=”default” font_style=”h2″ text_color=”#000000″ stagger_animation=”true” mobile_disable_animation=”true” content_alignment=”default” mobile_content_alignment=”inherit” animation_type=”line-reveal-by-space” link_target=”_self” text_content=”How is the price of a life annuity evaluated?” font_size=”3vw” font_line_height=”1.3″ text_direction=”default”][\/split_line_heading][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=”none” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” right_padding_desktop=”10%” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” 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The price generally consists of a bouquet and an annuity. The bouquet is the portion of the price paid in cash upon signing the sales contract, and its amount is freely set by the parties.
\nThe annuity can be monthly, quarterly, or annual, and payable in advance or in arrears. Its amount is estimated based on several criteria, including:<\/p>\n- \n
- the age and life expectancy of the annuity recipient<\/li>\n
- the value of the property<\/li>\n
- the (imputed) rent that could be collected if the home were rented out<\/li>\n<\/ul>\n<\/div>\n<\/div>\n <\/div>[\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”0px” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”relative” advanced_gradient_angle=”180″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” gradient_type=”advanced” advanced_gradient_display_type=”linear” column_padding_type=”default”][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner top_padding_desktop=”60vh” top_padding_tablet=”50vh” top_padding_phone=”40vh” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ background_image=”1377″ background_image_position=”center center” background_image_stacking=”front” enable_bg_scale=”true” background_image_loading=”default” column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”20px” column_link_target=”_self” overflow=”visible” advanced_gradient_angle=”312″ gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” parallax_bg=”true” parallax_bg_speed=”minimum” border_type=”simple” column_border_width=”none” column_border_style=”solid” gradient_type=”default” column_padding_type=”advanced”][divider line_type=”No Line” custom_height=”100″][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” bg_color=”#ffffff” scene_position=”center” top_padding=”6%” bottom_padding=”6%” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” row_position_desktop=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][split_line_heading line_reveal_by_space_text_effect=”default” font_style=”h2″ text_color=”#19394f” stagger_animation=”true” mobile_disable_animation=”true” content_alignment=”default” mobile_content_alignment=”inherit” animation_type=”line-reveal-by-space” link_target=”_self” text_content=”The different types of life annuity real estate” font_size=”3vw” font_line_height=”1.3″ text_direction=”default”][\/split_line_heading][tabbed_section style=”vertical_modern” tab_color=”Accent-Color” vs_content_animation=”fade” vs_link_animation=”opacity” vs_navigation_alignment=”left” vs_navigation_width_2=”25%” vs_navigation_func=”default” vs_navigation_width=”regular” vs_navigation_spacing=”15px” vs_navigation_mobile_display=”visible” vs_tab_spacing=”5%”][tab icon_family=”steadysets” title=”OCCUPIED LIFE ANNUITY” id=”1774540372090-5″ tab_id=”1774540372091-1″][vc_column_text css=”” text_direction=”default”]\n
The seller transfers their property to the buyer but retains their right of use and habitation. They can therefore continue to occupy it for life.<\/h3>\n[\/vc_column_text][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” top_padding=”20″ text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”padding-3-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ tablet_width_inherit=”default” animation_type=”default” enable_animation=”true” animation=”fade-in-from-bottom” animation_easing=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text css=”” text_direction=”default”]\n
ADVANTAGES OF AN OCCUPIED LIFE ANNUITY<\/h3>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][nectar_animated_title heading_tag=”h3″ style=”hinge-drop” color=”Accent-Color” text=”For the seller”][vc_column_text css=”” text_direction=”default”]\n
An occupied life annuity<\/strong> offers many advantages for the seller, both financially and practically. First, it allows them to age well at home<\/strong>, by continuing to live in their residence while receiving an initial bouquet<\/strong> and a monthly life annuity<\/strong> for life.<\/p>\n
Furthermore, an occupied life annuity is a wealth protection<\/strong> solution. It guarantees financial security for the seller, as well as for their spouse and heirs<\/strong>. The seller can continue to occupy the property while ensuring the transfer of all or part of the bouquet received in cash, if they so wish.<\/p>\n
The advantageous tax treatment<\/strong> of the life annuity is also a significant asset: a portion of the annuity received is tax-exempt, depending on the seller’s age, allowing them to benefit from higher net income.<\/p>\n
Finally, the occupied life annuity offers great flexibility<\/strong> for the seller, who can plan for their future while maintaining their usual living environment and protecting their loved ones from a forced sale of the property.<\/p>\n[\/vc_column_text][\/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][nectar_animated_title heading_tag=”h3″ style=”hinge-drop” color=”Accent-Color” text=”For the buyer”][vc_column_text css=”” text_direction=”default”]\n
An occupied life annuity<\/strong> is an attractive investment<\/strong> solution that allows for the purchase of real estate at a reduced price, as the value of the home is decreased based on the seller’s age and their right of use. Unlike a traditional purchase, there are no rental hassles<\/strong>: routine maintenance of the property remains the seller’s responsibility, and the buyer does not have to manage leasing or potential unpaid rent.<\/p>\n
Another major advantage is that it is possible to buy without a bank loan<\/strong>. The buyer generally pays an initial bouquet<\/strong>, followed by a life annuity<\/strong> whose amount is fixed in advance, thus avoiding the need for credit<\/strong> and bank interest.<\/p>\n
From a tax perspective, the occupied life annuity<\/strong> is also interesting: it involves no tax constraints related to rental income<\/strong>, as the property is not rented out and does not generate additional taxation. Finally, this formula allows for building one’s real estate portfolio<\/strong> progressively, making a long-term investment<\/strong> with a perspective of property appreciation over time.<\/p>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/tab][tab icon_family=”none” title=”BARE OWNERSHIP” id=”1774540372184-7″ tab_id=”1774540372184-2″][vc_column_text][\/vc_column_text][vc_column_text css=”” text_direction=”default”]\n
This is a form of split ownership. The buyer will become the bare owner and the seller the usufructuary.<\/h3>\n[\/vc_column_text][vc_column_text css=”” text_direction=”default”]In the context of a real estate investment<\/strong>, split ownership consists of separating full ownership into bare ownership and usufruct. The usufructuary continues to be able to fully enjoy their property by living in it or renting it out, while the investor acquires a property for a reduced price, generally 30% to 50% cheaper. The investor becomes the bare owner, meaning they own the property but cannot use it in any way. In the sales contract, they grant the use of the house<\/strong> or apartment<\/strong> to a third party, the<\/strong> usufructuary<\/strong>, for a determined period.[\/vc_column_text][vc_column_text css=”” text_direction=”default”]\n
ADVANTAGES OF BARE OWNERSHIP<\/h3>\n[\/vc_column_text][vc_column_text css=”” text_direction=”default”]This solution allows for a real estate acquisition with a lower fixed initial capital, without the payment of a life annuity<\/strong> in most cases\u2014a relevant formula for buyers who do not want uncertainty in their investment. The total amount is known in advance, unlike a traditional life annuity with a bouquet<\/strong> + annuity<\/strong> to be paid over the seller’s lifetime. Split ownership and bare ownership<\/strong> therefore constitute an opportunity to invest in real estate at a lower cost, at a time when prices per square meter are very high. Additionally, as a bare owner, you have no management or maintenance constraints.[\/vc_column_text][\/tab][tab icon_family=”none” title=”VACANT LIFE ANNUITY” id=”1774540372222-4″ tab_id=”1774540372222-10″][vc_column_text css=”” text_direction=”default”]\n
The seller transfers their property to the buyer, who can occupy or rent it out as soon as the deed of sale is signed, without having to wait for the seller’s death.<\/h3>\n[\/vc_column_text][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” top_padding=”20″ text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”padding-3-percent” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ tablet_width_inherit=”default” animation_type=”default” enable_animation=”true” animation=”fade-in-from-bottom” animation_easing=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text css=”” text_direction=”default”]\n
ADVANTAGES OF A VACANT LIFE ANNUITY<\/h3>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][nectar_animated_title heading_tag=”h3″ style=”hinge-drop” color=”Accent-Color” text=”For the seller”][vc_column_text css=”” text_direction=”default”]Like the occupied life annuity<\/strong>, the seller benefits from a bouquet<\/strong> paid in full upon signing the sales contract<\/strong> and an annuity<\/strong> paid every month.
\nHowever, the amount of the bouquet and the monthly annuity<\/strong> are valued higher. Indeed, the sale price of a property in a vacant life annuity<\/strong> is obviously higher than in an occupied life annuity<\/strong>. There is no occupancy discount to reduce the calculation of the property’s value since the seller<\/strong> no longer lives in it and no longer makes any use of it.<\/p>\nThe property leaves your real estate portfolio. In case of eligibility for the IFI (Wealth Tax), this can be advantageous depending on the property’s value.<\/p>\n
Instead of a large sum all at once, you also receive an annuity throughout your life, ensuring peace of mind and financial security. This annuity is also partially tax-exempt.[\/vc_column_text][\/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][nectar_animated_title heading_tag=”h3″ style=”hinge-drop” color=”Accent-Color” text=”For the buyer”][vc_column_text css=”” text_direction=”default”]In a vacant life annuity<\/strong> transaction, the buyer (annuity payer) has full use of the property as soon as the deed of sale<\/strong> is signed. They can therefore occupy it as their primary residence<\/strong> or rent<\/strong> it out. Like a traditional owner<\/strong>, they are responsible and liable for all work, charges, maintenance costs, and taxes.<\/p>\n
This arrangement is an interesting way to acquire a property at a lower cost<\/strong> and without resorting to bank credit<\/strong>. Thus, it is particularly suited for prospective homeowners<\/strong> who do not have the profile to borrow due to an insufficient down payment, a past illness, or an atypical professional situation (seasonal workers, freelancers, self-employed, etc.). Thanks to the vacant life annuity<\/strong>, the buyer can spread their financial burden over the lifetime of their annuity recipient<\/strong> and avoid all costs inherent to a bank loan<\/strong>.<\/p>\n
This transaction is also highly favored by investors<\/strong> who can acquire a property<\/strong> without borrowing and immediately place a tenant whose rent will contribute to financing the life annuity<\/strong>. This allows them to generate rental income<\/strong> from the start of the contract.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/tab][tab icon_family=”none” title=”FIXED-TERM SALE” id=”1774540372310-6″ tab_id=”1774540372311-5″][vc_column_text css=”” text_direction=”default”]\n
A fixed-term sale corresponds to a life annuity sale in which the buyer commits to paying monthly installments over a determined period,<\/h3>\n
thus offering total security and visibility regarding their financial commitments.
\nThe monthly installments and their schedule are defined in advance in the contract. At the end of this fixed period, the buyer becomes the full owner, unlike a traditional life annuity where the duration of payments remains uncertain.<\/p>\nA fixed-term sale can be vacant or occupied.<\/h3>\n
Depending on the type chosen, the rules regarding the use of the property, the distribution of charges, and taxation will be identical to those of a traditional life annuity. The duration of occupancy and the duration of payment cannot exceed the life expectancy of the sellers.<\/p>\n[\/vc_column_text][\/tab][\/tabbed_section][\/vc_column][\/vc_row][vc_row type=”full_width_content” full_screen_row_position=”middle” column_margin=”custom” column_margin_custom=”7vw” equal_height=”yes” content_placement=”middle” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” bg_color=”#f8f8f8″ scene_position=”center” top_padding=”3%” bottom_padding=”12%” left_padding_desktop=”7vw” constrain_group_2=”yes” right_padding_desktop=”7vw” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” row_position_desktop=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” advanced_gradient_angle=”0″ overlay_strength=”0.8″ gradient_direction=”left_to_right” shape_divider_color=”#000000″ shape_divider_position=”bottom” shape_divider_height=”99%” bg_image_animation=”none” shape_type=”straight_section” gradient_type=”default”][vc_column left_padding_desktop=”2vw” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” advanced_gradient_angle=”0″ gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”advanced” gradient_type=”default”][nectar_highlighted_text style=”none” custom_font_size=”3vw” font_size_tablet=”6vw” font_line_height=”1.2″ text_direction=”default”]\n
Your questions
\nabout life annuities<\/h2>\n[\/nectar_highlighted_text][toggles style=”minimal_shadow” accordion=”true” accordion_starting_functionality=”closed” border_radius=”none”][toggle color=”Accent-Color” heading_tag=”h3″ heading_tag_functionality=”default” title=”Who can sell or buy in a life annuity?”][vc_column_text css=”” text_direction=”default”]\n\n\n\n\nAny person with legal capacity can sell<\/a> or buy<\/a> a home in a life annuity.<\/h5>\n
The life annuity can be established for the benefit of several people (for example, spouses or joint owners). For a sale carried out by a legal entity, the life annuity must be established on the head of a third party, a natural person.<\/p>\n
For the life annuity sale to be valid, the future death of the annuity recipient must be unpredictable. Thus, the buyer must not have had knowledge of any illness the annuity recipient was suffering from at the time the deed of sale was signed.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n[\/vc_column_text][\/toggle][toggle color=”Accent-Color” heading_tag=”h3″ heading_tag_functionality=”default” title=”How are charges distributed during the contract and according to the type of life annuity?”][vc_column_text css=”” text_direction=”default”]\n
\n\n\n\nOccupied life annuity with right of use and habitation<\/h5>\n
The following are the responsibility of the annuity recipient:<\/p>\n
- \n
- routine repairs and maintenance of the home<\/li>\n
- rental charges (approximately 70% of co-ownership charges)<\/li>\n
- housing taxes and household waste collection taxes<\/li>\n<\/ul>\n
The following are the responsibility of the buyer:<\/p>\n
- \n
- property tax<\/li>\n
- co-ownership charges: management fees, building insurance, major works…<\/li>\n<\/ul>\n
Bare ownership<\/h5>\n
The following are the responsibility of the annuity recipient:<\/p>\n
- \n
- All charges<\/li>\n
- All taxes and duties<\/li>\n<\/ul>\n
The following are the responsibility of the buyer:<\/p>\n
- \n
- Only major structural work falling under Article 606 of the Civil Code<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n[\/vc_column_text][\/toggle][toggle color=”Accent-Color” heading_tag=”h3″ heading_tag_functionality=”default” title=”Who pays the notary and agency fees?”][vc_column_text css=”” text_direction=”default”]Unless otherwise agreed, registration duties as well as expenses incurred for notary fees and the real estate agent’s commission are entirely the responsibility of the property buyer.[\/vc_column_text][\/toggle][toggle color=”Accent-Color” heading_tag=”default” heading_tag_functionality=”default” title=”For an occupied life annuity, what happens in the event of early vacation of the property by the seller's own choice?”][vc_column_text css=”” text_direction=”default”]\n\n\n\nIn the case of early vacation, we include in the deed of sale:<\/div>\n<\/div>\n<\/div>\n\n\n\n\n
- \n
- an increase in the annuity according to a set scale, generally: +30% if the vacation occurs between 0 and 5 years after signing, +25% between 5 and 10 years, and +20% after 10 years<\/li>\n
- the transfer of all remaining charges to the buyer<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n[\/vc_column_text][vc_column_text][\/vc_column_text][\/toggle][toggle color=”Accent-Color” heading_tag=”default” heading_tag_functionality=”default” title=”For a fixed-term sale, what happens to the property if the annuity recipient dies before the end of the term?”][vc_column_text css=”” text_direction=”default”]\nIn a fixed-term sale, the agreed price must be paid in full. If the seller dies before full payment, the monthly installments will continue to be paid to the estate.<\/div>\n[\/vc_column_text][\/toggle][\/toggles][\/vc_column][vc_column right_padding_desktop=”2vw” top_margin_tablet=”10%” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” advanced_gradient_angle=”0″ gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”advanced” gradient_type=”default”][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color=”#FF4620″ background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”15px” column_link_target=”_self” overflow=”hidden” advanced_gradient_radial_position=”top right” width=”1\/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”advanced” advanced_gradient_display_type=”radial” content_layout=”default”][nectar_video_player_self_hosted video_mp4=”https:\/\/www.vivaviager.com\/wp-content\/uploads\/2025\/07\/freepik__a-confident-woman-stands-with-her-arms-crossed-in-__29255.mp4″ el_aspect=”11″ player_functionality=”default” hide_controls=”yes” loop=”yes” autoplay=”yes” video_loading=”default” border_radius=”none” box_shadow=”none” advanced_gradient_display_type=”linear”][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” bg_color=”#F8F8F8″ scene_position=”center” bottom_padding=”50″ text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” row_position_desktop=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” flex_gap_desktop=”10px” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”center” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_column_text css=”” text_direction=”default”]\n
For more information
\nContact us at<\/h3>\n01 88 33 96 69<\/span><\/span><\/a><\/h2>\n[\/vc_column_text][\/vc_column][\/vc_row]\n","protected":false},"excerpt":{"rendered":"
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- Only major structural work falling under Article 606 of the Civil Code<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n[\/vc_column_text][\/toggle][toggle color=”Accent-Color” heading_tag=”h3″ heading_tag_functionality=”default” title=”Who pays the notary and agency fees?”][vc_column_text css=”” text_direction=”default”]Unless otherwise agreed, registration duties as well as expenses incurred for notary fees and the real estate agent’s commission are entirely the responsibility of the property buyer.[\/vc_column_text][\/toggle][toggle color=”Accent-Color” heading_tag=”default” heading_tag_functionality=”default” title=”For an occupied life annuity, what happens in the event of early vacation of the property by the seller's own choice?”][vc_column_text css=”” text_direction=”default”]\n