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Borne & Delaunay helps you to value your property so you can benefit from a life annuity while enjoying your accommodation.
We can help you:
You continue to benefit from the right of use and habitation of your home. And you will benefit from an annuity until the end of your days to live in tranquility. In fact, continuing to live in your home, income supplement indexed to the cost of living, will preserve your purchasing power. préservera votre pouvoir d'achat.
By providing the right of use, you can also continue to rent your property if you decide to live in a retirement home.
An increase in the pension is provided for in the event of a renunciation of the right of use and habitation.
We commit ourselves to implement a solution that adapts to the interests of seniors: choice of type of contract (viager libre (free annuity) or viager occupe (occupied annuity)), optimization of remuneration (down payment, annuity, indexation), guarantee to respect the legal and tax rules.
The annuity may be established on several heads, the total reversion of the pension may allow the surviving spouse to collect the same income.
From 70 years old you benefit from 70% tax deduction.
The presence of heirs is not an obstacle since the down payment can be transmitted to them at any time.
Purchasers, buying a property in an occupied annuity will give you the opportunity to build yourself a heritage with a downpayment by having a long-term savings capacity. You will benefit from reduced registration fees without compromising your ability to resell when you want..
If you opt to purchase a property in viager libre, you can occupy it immediately or rent it. The life expectancy of a seller, even a young one, is in no way an obstacle, the down payment and the determination of the rent will be more modest and calculated taking this situation into account.