Our special real estate file
Our solutions for purchasing despite low purchasing power
“The real joint lease, my only opportunity to become an owner”
One house, ten inhabitants
Towards a free life annuity boom
Co-acquisition, a way to buy more
Rental-accession, car leasing applied to real estate
Buy new properties thanks to discounts and program endings
The free life annuity is truly a rare gem.
So rare that the market leader, Renée Costes, only carries out around forty per year out of a total of 5,500 life annuities occupied, or barely 8% of its activity.
The principle is quite simple: the buyer settles into the accommodation after having paid a cash deposit, called a bouquet, which generally corresponds to between 20% and 30% of the final amount, and the rest being paid in the form of a monthly annuity until upon the death of the annuitant.
Furthermore, there is no discount, because the buyer occupies the property from the first day.
In an occupied life annuity, this famous discount, also called occupation allowance, is set proportionally according to the age of the seller.
For example, it can reach 30% if the owner is 90 years old, and 50% if he is 70. The free life annuity is therefore more expensive.
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