Viager: how to set the amount of the bouquet and the annuity

2022-05-23T12:16:59.942Z

OUR ADVICE - It is up to the seller to choose the breakdown between the fraction of the price of the property paid in capital at the conclusion of the sale, and the annuity paid every month until the end of its life. Different formulas are possible.

Make your home a source of income guaranteed for life: here is the principle of life annuity, a formula in full revival.

It is up to the seller to choose the breakdown between the bouquet (the fraction of the price of the property paid in capital at the conclusion of the sale), and the annuity paid every month until the end of its life.

But upstream, it will be necessary to determine the value of the life annuity.

We start from the market value of housing, that is to say its price on the market for traditional real estate transactions.

“To this market value, we apply an occupancy discount as part of an occupied life annuity.
It varies according to the age and gender of the seller(s).
The amount obtained is broken down between annuity and bouquet.
If the life annuity is free, we only remove the amount of the bouquet from the market value and we calculate the life annuity according to the same criteria as before

, ”explains Sophie Richard, life annuitant and founder of the Viagimmo agency network.