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Life annuity


The life annuity with Arthurimmo.com is the guarantee of being accompanied by an expert.
Your life annuity deserves our expertise.

Selling in life is the possibility of:

  • Immediately receive a capital ("the bouquet") that you can use freely: donation to children and grandchildren, travel, purchase of a car, precautionary savings...
  • Supplement your monthly income for life – whether you still live in your home or decide to go to a retirement home.
  • Occupy your property for life (conservation of the right of use and habitation).
  • Reduce the costs and charges of your accommodation and save property tax.
  • Benefit from favorable taxation.

Buying in life is the possibility of:

  • Build up a property portfolio at a lower price.
    • The sale price of the property is reduced by the value of the Right of Use and Habitation (DUH) during the residual life expectancy period of the occupying sellers.
  • To make a profitable investment over the medium/long term.
    • The average profitability of properties purchased in life is between 7 and 9% per year.
  • Buy a property without resorting to bank credit.
    • When you buy a property in life, you only pay cash for the bouquet. A monthly annuity is then set up for the lifetime of the annuitant(s). The seller therefore plays the role of the bank in a way by giving you the benefit of a “customer credit”. You therefore avoid bank interest.
  • Benefit from reduced notary fees.
    • The value of the property taken into account for the calculation of the transfer costs is that after deduction of the Right of Use of the seller(s).
  • Take advantage of a tax shelter.
    • The “theoretical rents” corresponding to the Right of Use and Habitation (DUH) of the sellers are deducted in one go at the time of the acquisition of the property in life annuity. They are not subject to any taxation unlike conventional rental rents.
  • Make an ethical and socially responsible investment.

    • The life annuity sale establishes a win-win relationship: it allows seniors to improve their quality of life, to consider the future with serenity and to please their loved ones.

    Know the advantages for a life annuity investor: A risk-free investment!

    • The investor can resell a property purchased as a life annuity.
    • The life annuity is an investment of medium/long term which remains nevertheless liquid thanks to this possibility of resale.
    • The risk of deterioration of the property is guaranteed by the occupation of the property by the creditor.
    • The price of the property purchased as a life annuity is calculated on the basis of market prices for old real estate. The property cannot therefore be overvalued.
    • The investor is protected from the risk of rental vacancies or unpaid rent.
    • The Useful Right of Use, i.e. all of the “theoretical rents”, is deducted in one go from the sale price of the property upon signature of the authentic deed of sale.
    • The "theoretical rents" deducted from the sale price of the property are not taxed, and can never be regardless of the evolution of the tax framework.

    Meet our life insurance experts!