Life annuity without annuities

Calanque des Pierres

Bare ownership or sale with retention of the right to use and live in the property:

These two types are nothing more and nothing less than an occupied life annuity with no annuities.

These are the only types of life annuity that can be funded by a bank loan. The property that is the subject of the sale is not mortgaged because the lump-sum payment and the monthly annuity are capitalised into a single sum referred to as the property\'s economic value.

This sum will be paid by the buyer at the signing of the notarial deed via the notary\'s accounts.

These options also remove the random nature of the life annuity.

The main difference between OCCUPIED LIFE ANNUITY WITHOUT RENT and BARE OWNERSHIP lies in the fact that in the former, the annuitant can rent out the property if they decide to relinquish their right of use. In the latter, the annuitant only has the right to use and live in the property and therefore cannot rent it out if they move out.

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