Viager, practised as an advisory profession
Viagéo Patrimoine is a firm specialising in viager, instalment sales and bare-ownership sales.
Selling in viager is not putting a property on the market: it is settling an estate-planning strategy. The size of the bouquet, the level of the annuity, the right you keep over your home, how charges are shared, the tax and inheritance consequences — all of it is decided together, and once and for all, on the day the deed is signed.
That is why we never start with marketing the property. We start by understanding what you are trying to achieve: additional income, capital you can use, the certainty of staying in your home, helping your children during your lifetime, or several of these at once.
The right structure and its figures follow from that. We give them to you in writing, and we also explain what the operation costs you and what it commits you to.
Why choose Viagéo Patrimoine?
Every project is the subject of a tailored study covering its property, tax, inheritance and estate-planning dimensions.
Four disciplines meet in a viager transaction, and the right answer in one can be a mistake in the other three. A large bouquet eases the seller’s cash position but reduces the lifetime annuity; reserving a usufruct protects better than a right of use and occupancy but lowers the price; a tax-efficient structure can complicate an estate.
We therefore work through all four at once, in coordination with your notary and, where you have one, with your usual wealth adviser. Our role is not to sell you a solution but to let you choose your own, fully informed.
What you can count on
As long as it takes
No project is signed in a hurry. You decide when you are ready — and you are free not to decide at all.
Figures you can check
Our calculations rest on recognised actuarial tables, including the Daubry scale. Every figure we give you is justified in writing.
Vetted buyers
We check a buyer’s solvency and their capacity to keep paying the annuity over time — not merely to sign.
Everything in writing
The bouquet, the annuity, indexation, reversion, the split of charges: nothing is left to a verbal understanding.
Your family involved
If you wish, your children take part in the study. A viager that is properly explained is a viager that is accepted.
After the signature, too
Annual indexation, charges, early release of the property: we remain the point of contact for both parties.
From your first question to the signature — and beyond
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A full review of your situation
Personal and family objectives, income, assets, projects to fund, protection of a spouse.
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Valuation of the property
Open-market value, established from the local market and the real condition of the home.
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Calculating the bouquet and the annuity
A financial simulation of the split of rights, with several bouquet / annuity balances compared.
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Analysis of the tax consequences
Capital gains, the taxable fraction of the annuity, wealth tax, inheritance consequences.
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Finding vetted buyers
Introductions to investors whose financial capacity matches a lifetime commitment.
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Coordination with the notary
Drafting of the clauses, conditions precedent and guarantees, through to the notarial deed.
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Ongoing support over the years
Indexation of the annuity, allocation of charges, mediation between the parties.
Your estate deserves a lasting strategy
Selling in viager or in bare ownership is not simply parting with a property. It turns an estate built over a lifetime into an instrument of financial freedom, of protection and of transfer.
Your estate is unique. Our task is to build a solution that fits it, reconciling security, performance and peace of mind for you and for those close to you.
