Your home can fund your retirement
A viager sale turns property wealth that is often hard to access into a real source of income — while in most cases leaving you free to go on living in your home.
A property is worth a great deal and yields nothing while you live in it. That is the position most retired owners are in: substantial assets, monthly income that does not keep up.
The viager solves exactly this. You receive a bouquet on the day of signature and an annuity thereafter, for life; you keep, if you wish, the right to live in the home to the end; and you are relieved of part of an owner’s charges.
Everything is decided before you sign: the size of the bouquet, the level of the annuity, the right you keep, the split of charges. That is what the viager study is for — and it is free.
Four ways to sell
The choice comes down to two questions: are you staying in the home, and how do you want to be paid?
Occupied viager
You stay in your home. Bouquet on signature, then a lifetime annuity.
Free viager
You leave the property: appreciably higher bouquet and annuity.
Instalment sale
Instalments over a term known in advance, with no viager uncertainty.
Bare-ownership sale
A substantial capital sum at once, with no annuity to manage after.
Five stages, from the study to managing the contract
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Study and feasibility
A review of your situation, a valuation, the choice of structure and the figures.
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Finding the buyer
Marketing to investors selected on their solvency.
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Preliminary contract
Price, bouquet, annuity, rights retained and charges, all set down in writing.
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Notarial deed
Transfer of ownership, payment of the bouquet, the annuity begins.
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Managing the contract
Annual indexation, charges, early release, mediation.
Estimate your bouquet and your annuity
A first estimate in seconds, calculated in your browser: nothing you type is sent anywhere.