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Life annuities, a growing market

With the increase in life expectancy, the importance of free time, economic constraints and high taxes, a growing number of people are naturally turning towards life annuities.

Life annuities
a vital need to live better for longer and a winning investment.

An ethical and straightforward approach :Real estate appraisal is decisive when accurately defining the market value of a property, from which the initial lump sum and monthly annuity payments can be calculated.

A modern and effective methodology. We use the most up-to-date models and calculation tools to convey an economic reality in favour of a fair transactional balance between the parties.

Advantageous tax and finance conditions for all :

  • An increase in quality of life for the sellers
    Selling as a life annuity allows you to stay in your home whilst benefitting from an additional income: with a tax-free lump sum, large tax reductions on the monthly annuity payments, no property tax, lower charges and a secure contract.
  • An advantageous and secure investment for the buyersA life annuity property purchase is an excellent financial lever. With a reduced down payment, reduced fees and tax obligations, it allows you to build up your real estate assets without the hazards and constraints of rental investments. As with all real estate investments, it is one based on the medium and long term.
    At the agency, we take a very human approach to life annuity transactions combining clarity, transparence et expertise.

A heritage strategy for the future adapted to luxury real estate.

In addition to the sale of traditional properties, there is also an ever-growing interest in prestige life annuities, for which the market value of the property can amount to several million euros.

Considered as a genuine heritage strategy, increasingly popular with an informed and demanding clientele, buying as a life annuity also allows the acquisition of a discounted property with reduced registration fees, as well as benefitting from a provisional tax exemption, as the property doesn’t generate revenue.

As for the seller, this initial lump sum puts at their disposal an immediate sum of money, which could be used for other investments, or if the property is a second home, to pay the capital gain tax. It is also a significant financial advantage in terms of the IFI taxes (Impôt sur la fortune immobilière) and the monthly annuity payments, which are also heavily reduced when it comes to tax. A real optimisation for inheritance, selling property as a life annuity also allows the transformation of bricks and mortar into ready and available liquid capital that the sellers can access more easily, whilst also staying in their own home. Sales of bare ownership are also becoming more popular.

  • Apartment, La Turbie

    LA TURBIE - Occupied 1-bed apartment - Life Annuity

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    • Contribution : 28,000 € / Pension : 500 €
    • 1 bedroom
    • 2 bathrooms
    • 25 m²

    Exclusive

  • Apartment, Nice

    Life annuity Apartment - Nice Chambrun

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    • Contribution : 80,000 € / Pension : 500 €
    • 3 bedrooms
    • 2 bathrooms
    • 82 m²

    Exclusive

  • Apartment, Le Cannet

    LE CANNET - 1-bed apartment

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    • Contribution : 75,000 € / Pension : 380 €
    • 1 bedroom
    • 1 bathroom
    • 52 m²
  • Apartment, Nice

    Life annuity Apartment - Nice Cessole

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    • Contribution : 85,000 € / Pension : 950 €
    • 2 bedrooms
    • 1 bathroom
    • 92 m²
  • Apartment, Nice

    NICE EVECHE - 2 BED APT ART DECO with GARAGE

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    • Contribution : 145,000 € / Pension : 1,500 €
    • 2 bedrooms
    • 1 bathroom
    • 71 m²

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  • Apartment, Nice

    NICE CIMIEZ - LIFE ANNUITY VIAGER

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    • Contribution : 40,000 € / Pension : 2,700 €
    • 1 bedroom
    • 1 bathroom
    • 113 m²

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  • Villa, Cagnes-sur-Mer

    Unoccupied Forward Sale - Cagnes sur Mer - Manor House

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    • Contribution : 640,000 € / Pension : 1,850 €
    • 4 bedrooms
    • 3 bathrooms
    • 300 m²

    Exclusive

  • Village house, Saint-Paul-de-Vence

    OCCUPIED LIFE ANNUITY - Saint Paul de Vence

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    • Contribution : 450,000 € / Pension : 1,700 €
    • 1 bedroom
    • 1 bathroom
    • 90 m²
  • Premises, Saint-Paul-de-Vence

    OCCUPIED LIFE ANNUITY - Saint Paul de Vence

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    • Contribution : 450,000 € / Pension : 1,700 €
    • 1 bedroom
    • 1 bathroom
    • 90 m²
  • Apartment, Cannes

    CANNES CROISETTE - PORT CANTOT - UNOCCUPIED LIFE ANNUITY

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    • Contribution : 1,100,000 € / Pension : 2,500 €
    • 2 bedrooms
    • 2 bathrooms
    • 113 m²

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  • Villa, Roquebrune-Cap-Martin

    UNOCCUPIED LIFE ANNUITY - HOUSE IN ROQUEBRUNE CAP MARTIN

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    • Contribution : 650,000 € / Pension : 6,800 €
    • 182 m²

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  • Property, Nice

    Prestigious Property, next to Nice & Monaco

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    • Contribution : 1,000,000 € / Pension : 10,000 €

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