Life Annuity Sale (Viager)
Turn your property into a secure source of income
A tailor-made wealth management solution
Selling your property as a life annuity (viager) allows you to unlock its value while preserving your comfort and way of life. This approach offers a smart alternative to a traditional sale: you transfer ownership of your property while receiving an immediate lump sum (the bouquet) and a lifelong monthly annuity. The amount is calculated according to your age, the value of the property and the terms of the contract.
At Activ Patrimonia, we bring our wealth management expertise to deliver comprehensive and personalised support, from the feasibility study to the final signature.
Comprehensive viager expertise
Property valuation
Assessment of the local real estate market and the specific characteristics of your property.
Calculation of the economic value of the viager
Determination of the bouquet and the annuity based on objective criteria (life expectancy, yield rate, occupancy, taxation).
Personalised simulation
Several scenarios are presented to help you choose the option best suited to your needs and your life plans.
Human-centered and secure support at every stage
1 – Feasibility study
Verification of the alignment between your wealth objectives and the possibilities offered by the viager.
2 - Drafting of the life annuity report
Compilation of a complete report for potential buyers (valuation, diagnostics, financial calculations, property presentation).
3 – Buyer search
Connection with a network of selected investors, while maintaining strict confidentiality.
4 – Negotiation and legal security
Validation of financial terms and preparation of the deed by a notary.
5 – After-sale follow-up
Verification of annuity payments, administrative support and complementary wealth management advice.
Turning your property into a life project
A viager sale is far more than a real estate transaction: it is a balanced asset solution that provides long-term additional income, facilitates the transfer of your property under optimal conditions, or allows you to enjoy your capital today.