Buying in life annuity in France is the purchase of a property in exchange for which the seller, called the annuitant, receives a bouquet and annuity payments:
Are you looking to acquire a property in France at an attractive price? Do you want to invest in real estate for your future? Buying a life annuity property is a top choice for buyers.
To successfully purchase in life annuity, you will need the guidance of an expert, as the calculation and negotiation terms for the bouquet and life annuity payments are highly technical.
As an excellent real estate network since 2002, Capifrance offers its recognized expertise in life annuity real estate to help you benefit from this type of transaction. Contact your local Capifrance life annuity advisor to start your project and take advantage of the best opportunities.
"Viager occupé": The seller remains living in the property for the rest of their life, and the buyer receives ownership while paying the bouquet and annuity, but cannot occupy the property until the seller vacates it.
"Viager libre": The buyer can immediately occupy or rent out the property, as the seller no longer lives there. In this case, the buyer still pays both the bouquet and the life annuity.
"Viager sans rente": The buyer pays only a lump sum (the bouquet) without any ongoing annuity payments, providing the seller with an immediate capital gain while transferring ownership of the property.
"Vente à terme": The buyer pays a bouquet and fixed-term payments over an agreed period, after which all payments stop, regardless of the seller's lifespan.
"Vente en nue propriété": The buyer acquires ownership of the property, but the seller retains the right to use it (usufruct) or receive income from it (in case of rental), and no annuity payments are made. Full ownership transfers to the buyer when the seller's rights expire.
