The viager specialist that takes the time
Since 2009 we have advised sellers and buyers on viager transactions, throughout France.
A viager is a long-term estate operation: it commits a seller for the rest of their life and a buyer for many years. It deserves more than a transaction pushed through.
We take the time to explain the mechanism, to put precise figures on the bouquet and the annuity, and to check that the operation makes sense for both sides. Every file is signed before a notary, with the guarantees that protect the seller.
Four ways to unlock your property
Four ways to put your property to work. We help you identify the one that fits your situation.
Occupied viager
You sell and keep the use of the property for life, at a discount to the buyer.
Free viager
The buyer has the property from the signature, with no discount.
Instalment sale
The price is paid in instalments over a term fixed in advance.
Bare-ownership sale
You sell the bare ownership and keep the usufruct.
A solid market, a proven approach
2 009
The year Viagéo Patrimoine was founded
100 %
Of transactions signed before a notary
+1 200
Viagers negotiated across France
35 %
Average discount observed on an occupied viager
How does a viager work?
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Valuing the property
We establish the open-market value of the property, free of any occupancy, from the local market.
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Calculating the discount
The allowance for the right of use and occupancy is calculated from the seller’s age and sex.
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Bouquet and annuity
You choose the split between the capital paid at the signature and the life annuity.
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Signature before the notary
The notarial deed sets the terms and secures payment of the annuity for life.
Estimate your bouquet and your annuity
A first estimate in seconds, calculated directly in your browser. Nothing is sent anywhere, and the calculation covers a single life.
They trusted us
Your questions about the viager
The points we are most often asked to clear up.
What is a viager?
A viager is a property sale whose price is paid partly as an annuity to the seller until their death. The seller is called the crédirentier, the buyer the débirentier. The price generally splits into a bouquet — capital paid in cash at the signature — and a periodic life annuity.
What is the difference between an occupied and a free viager?
In an occupied viager the seller keeps the use of the property until their death: the price is reduced by a discount for the right of use and occupancy. In a free viager the buyer has the property from the signature, so there is no discount and the annuity is higher.
How are the bouquet and the annuity calculated?
You start from the property’s open-market value and apply an occupancy allowance that depends on the seller’s age and sex. The result is the occupied value. The seller then chooses what share to take as a bouquet; the balance is converted into an annuity using a life-expectancy table.
What happens when the seller dies?
The annuity stops for good and the buyer becomes the full owner of the property, free of any occupancy. Nothing further is due, however long the contract has run.
And if the buyer stops paying the annuity?
The notarial deed contains a termination clause: if payment fails, the sale can be cancelled and the seller recovers the property while keeping the bouquet and the annuity payments already received. The vendor’s lien registered against the property reinforces that guarantee.
Who pays the charges and the works?
Unless otherwise agreed, the occupying seller pays the residence tax and routine running charges, while the buyer takes on the property tax and the major repairs defined by article 606 of the Civil Code. The split is set out precisely in the deed.
No questions in this category.
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