Life annuities & luxury forward sales
in Paris and France – Exceptional properties

Sale of luxury properties in life annuity, bare ownership and forward sale – Paris & France

Value prestigious real estate otherwise

Luxury real estate isn't just about high prices. Owners and investors are looking for flexibility, asset optimization, and legal security . Arrangements such as life annuities, bare ownership, and forward sales help meet these needs while adding value to exceptional properties in Paris and throughout France.

1. Life Annuity: Understanding the Basics

A life annuity is a type of sale where payment is made partly in the form of an annuity . There are two main forms: occupied and free .

1.1 Occupied life annuity

• Simple definition: The seller continues to live in the property after the sale. The buyer pays a deposit (initial sum) + a monthly annuity until the seller's death.

• Benefits for the seller: He keeps his home and receives additional income.

• Advantages for the buyer: The purchase price is reduced compared to full ownership.

Concrete example:

• Value of the property: €1,000,000

• Bouquet: €400,000

• Monthly income: €2,500

• Seller's age: 80 years old

The buyer therefore pays €400,000 immediately and €2,500 per month. The property remains occupied by the seller until his death.

1.2 Free life annuity

• Simple definition: The property is available upon signing. The buyer can live in it or rent it out immediately.

• Bouquet and annuity: The seller can ask for a higher bouquet , and the annuity can be low or zero.

• Advantages: The buyer benefits from immediate profitability (rent or personal use).

Concrete example:

• Property value: €1,200,000

• Bouquet: €800,000

• Annuity: €1,500/month (or negotiable depending on the agreement)

• Seller's age: 75 years old

Here, the buyer pays a significant upfront sum, but the property is vacant and can generate immediate rental income. The rent can be adjusted according to negotiation.

2. Bare ownership: Separating use and ownership

• Simple principle: The buyer buys the property , but the seller retains the usufruct (right to live or collect rent).

• Advantages: Tax optimization and asset transfer.

Concrete example:

• Total value of the property: €1,500,000

• Bare ownership value: €900,000

• Usufruct retained: €600,000

The buyer becomes the owner but the seller continues to benefit from the property or the income generated.

3. Forward sale: Secure deferred payment

• Simple principle: The price of the property is paid in several installments over a defined period.

• Benefits: Secures income for the seller and makes it easier for the buyer to access luxury goods.

Concrete example:

• Value of the property: €1,000,000

• Initial contribution: €300,000

• Balance to pay: €700,000 over 10 years

The seller receives a secure income over several years and the buyer can plan their payments.

4. Publish your property on Propriétés De Charme

• 💎 Minimum bouquet: 600 000 €

• 🌍 International visibility : the portal highlights prestigious properties for qualified buyers

• 🏛️ Expert support : wealth advice and high-end expertise

The portal welcomes both professionals and certain individuals under certain conditions , to offer maximum flexibility and visibility.

5. Why these montages are interesting

• Tax optimization

• Income security for the seller

• Valuation of the property and heritage strategy

• Flexibility for buyer and seller

6. Synthetic numerical examples