what exactly does that change?

It is attracting more and more property owners. And buyers, obviously, find their account there too! The life annuity, long struck by a bad image, could now put an end to its terrible reputation. This is not very surprising! It presents a significant number of advantages for both parties. The buyer has the opportunity to pay less for real estate, while the seller almost systematically retains the enjoyment of the home, which he therefore continues to maintain until his death or until the end of the annuities provided for. . Indeed, certain types of contracts make it possible to avoid the traditional “bet on death” by considering a precise deadline for the payment of the property, even if the payments subsequently benefit a loved one, in the event of the seller’s death before the expected term.

These guarantees, as has already been explained Planet, convinced 5,500 more owners in 2021. In total, the market is therefore growing by 6% over one year. But did you know that the life annuity is not limited to the sole choice of the type of annuity? It is also possible to opt for other, more exotic shapes. Summary of less common forms of life annuity.

It is clear, in any case, that some civil real estate companies (SCI) now allowinvest in life, reports the online bank Boursorama on its information site. The opportunity for her to make it easier for seniors to stay at home… But at what cost for sellers?

Life annuity and life insurance: beware of the constraints!

In reality, however, theinvestment in life via life insurance raises a number of questions. For the time being, it is the company Arkéa Investment Services which opens the voice to such practices through its SCI Silver Avenir. That being said, it is a product designed more for investors only for sellers.

On the side of the latter, it is therefore necessary to know that it is not possible to receive an annuity: the option chosen is that of the bouquet at 100%. In addition, the price mechanically incorporates a discountgiven that the accommodation will not be available before the death of the seller.

However, this is not the only option you can think of.

Solidarity life annuity: what are we talking about, exactly?

In addition to investing in a life annuity via life insurance, we must also talk about the solidarity life, recalls Boursorama on its site. The latter’s primary objective is to finance home care for French men and women facing loss of autonomy; whether financial or social.

In this case, it is a cooperative society of collective interest (SCIC) who buys the housing of the senior concerned. The latter will first be entitled to a fraction of the agreed sale price, subsequently accompanied bya monthly life annuity. He also no longer has to pay the charges relating to his accommodation.

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