In the collective imagination, the life annuity necessarily includes an annuity.
Well no !
It is possible to use this sales technique without paying the seller a sum of money each month.
This formula attracts more and more individuals who plan to sell their homes.
Two options are available to them.
The first one ?
They retain the right of use and habitation but cannot lend or rent the accommodation.
However, they do not declare the full ownership value of the property sold and can thus escape the IFI (real estate wealth tax) depending on the sale price, the capital received is not subject to income tax. , unlike the life annuity.
Finally, the property tax and major repairs are payable by the buyer.
Maintenance costs, on the other hand,
are, on the contrary, the responsibility of the seller.
Note that if the latter waives his right of use (because he must leave the accommodation in the event of an accident, for example), the buyer is required to pay him compensation, the amount of which was agreed upon at the time of the sale. .
The second option?
The seller leaves the accommodation and obtains the right to rent it (usufruct), with the possible agreement of the new owner (bare ownership).
On the negative side, the purchaser must declare the full ownership value of the property and may therefore be liable for the IFI, depending on the amounts involved, and must pay the property tax.
The first solution seems to be more popular with sellers who are showing a growing interest in life annuity without an annuity...
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