THE VIAGER
The occupied livelihood is a profitable investment formula, allowing to become owner at a reduced price, with a deferred take-over.
It is based on the principle of intergenerational solidarity, providing a secure and beneficial solution for both parts.
Advantages for the Creditor (Seller)
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FINANCIAL
The seller receives a life annuity until his death. It is a regular and secure income. This allows him to improve his standard of living in retirement and maintain his good. In addition to the rent, he usually receives a bouquet, which can be used immediately.
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SERENITY
In the case of an occupied livelihood, the seller retains its right to use and reside (DUH). This allows him to continue living there while receiving the pension. The seller no longer has to pay for the major repairs to the property or to pay the property tax. A significant part of the pension is exempt from tax.
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GUARANTEE
Thanks to the LEPLEUX IMMOBILIER agency, you will benefit from 4 undeniable guarantees:
- The seller privilege which means that, in the event of non-payment by the debtor, the creditor (seller) may use the court to obtain the forced sale of his property, in order to recover the unpaid.
- A resolution clause which allows to address a bailiff for the purpose of obtaining the payment obligation for the bailiff. If he has not paid his debt, the sale will be cancelled and the property will be returned to the creditor with as damages all the sums already acquired.
- Pension indexation which will be revalued with the INSEE Consumer Index each year.
- Increase in pension for early release. In this case, the lessee may take possession of the premises for his own use or rent it. However, he will not be able to sell it since he is the guarantee of the annuity.
Benefits for the debtor (buyer)
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PLACE
The purchaser invests gradually, without credit, allowing him to buy a property at lower cost while maintaining his investment capacity for other projects. It will be able to diversify its property without committing too much capital.
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TRANSMISSION
It can transmit a heritage to its children more easily, by acquiring a good gradually.
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SOCIAL
By purchasing a lifesaver, the buyer allows the seller to improve his standard of living by collecting a regular rent, while securing his investment in a lifesaver, the debenturer will help the credirentier to improve his standard of living without intermediary, fee or commission.
We know that behind every real estate project, there is above all a life story. That is why we place the human at the heart of our approach, with a focus on listening, respect and accompaniment.
Don't hesitate to make a contribution to get a serious and professional appraisal of your property and talk about your projects.