Making the most of your property in Lyon
Do you own a home in Lyon or elsewhere in the Lyon metropolitan area and want to top up your retirement income, stay in your home or plan your estate? Or are you looking for a different way to invest in property?
Viageo Patrimoine supports you with viager, bare-ownership and instalment sales, with an approach that is personal, transparent and tailored to you.
Our aim: to help you understand the options open to you and choose the one that fits your personal, family and financial situation — whether you are selling or buying.
Selling in viager in Lyon: which options to consider?
A viager lets you draw on the value of your home while shaping the sale around your plans. Each option has different financial, tax and legal consequences: a personalised study is how you weigh up the benefits and the limits.
Occupied viager
You sell your property while keeping the right to live in it, on the terms set out in the deed.
Free viager
The buyer has use of the property on the terms of the sale; the bouquet and annuity are higher.
Bare-ownership sale
You sell the bare ownership and keep the usufruct or a right of use, depending on the structure chosen.
Instalment sale
The price is paid on a schedule set in the contract, over a term known in advance.
Estimate your viager in Lyon
A first estimate of your bouquet and annuity in seconds, calculated in your browser: nothing is sent anywhere. For a couple, or for a figure you can rely on, ask for the personalised study.
Buying in viager in Lyon: an investment to look at closely
A viager appeals to buyers who want to invest in property in Lyon with payment spread over time and a discounted purchase price.
Before deciding, several points need looking at:
- the size of the bouquet and of any annuity;
- the seller’s age and the rights they keep on the home;
- how charges and property tax are shared;
- how the annuity is indexed and the guarantees in the deed.
Viageo Patrimoine works with buyers too: understanding the project, analysing the terms of sale, weighing the return and the risks.
Personal support in Lyon and in the Rhône
From the old apartments of the Presqu’île and the Croix-Rousse to the buildings of the 6th and 3rd arrondissements, from the houses of Monplaisir to the villas of the Monts d’Or, Lyon’s housing stock is remarkably varied. It is often a retired owner’s main asset — and one that yields nothing while they live in it.
A viager is priced from the value of the property, so that value has to be assessed at the level of the neighbourhood, the building and the condition of the home, not from a département-wide average. That is why every study begins with a precise valuation of the property, before any bouquet or annuity is calculated.
Every project is different. We take the time to explain, so that sellers and buyers understand how the transaction works and decide with full knowledge of the facts. Meetings are by appointment, remotely or in the areas the firm actually covers, including in Lyon and the neighbouring towns: Villeurbanne, Caluire-et-Cuire, Écully, Tassin-la-Demi-Lune, Sainte-Foy-lès-Lyon, Oullins-Pierre-Bénite, Bron, Vénissieux, Saint-Didier-au-Mont-d’Or, Limonest.
How does your study work?
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A first conversation
To understand your situation and your goals.
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A personalised study
Of the options that could suit your project, starting from a valuation of the property.
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A clear presentation
Of the financial terms and the points to watch.
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Support all the way
Through the rest of the project, with the notary and other professionals where needed.
Do you work in Lyon and the Rhône?
Yes. We work with sellers and buyers in Lyon and across the metropolitan area — Villeurbanne, Caluire-et-Cuire, Écully, Sainte-Foy-lès-Lyon, Tassin-la-Demi-Lune and the neighbouring towns. Meetings are by appointment, by phone, by video call or in the areas the firm actually covers.
Can you sell a flat in Lyon in viager?
Yes. A viager works for a flat as well as a house, whether it is a main or a second home. The type of property, its condition, the floor, the building and its service charges all go into the valuation, and from there into the bouquet and the annuity.
How is a viager calculated in Lyon?
The starting point is the market value of the property, assessed at Lyon prices. In an occupied viager, the value of the right of use the seller keeps is then deducted, calculated from their age and recognised tables, notably Daubry’s. What remains is split between a bouquet, paid on signature, and a life annuity. The details are on our page How a viager is calculated.
Is the online simulator enough to know the annuity?
It gives a first idea, free of charge and without sending your data anywhere. It works on a single life and an average life expectancy: for a couple, or for a figure you can rely on, the personalised viager study is essential. It is free and commits you to nothing.
What should you check before buying a viager in Lyon?
The size of the bouquet and the annuity, the age of the seller or sellers, the rights they keep on the home (occupied or free), how charges and property tax are shared, how the annuity is indexed, and the termination clause. We help you read each of these before you commit.
Is the viager study charged for?
No. The first conversation, the valuation and the personalised viager study are free and commit you to nothing. Our fees are due only if a sale goes through, as set out in our schedule of fees.
No questions in this category.