Luxury life annuities and installment sales
in Paris and France – Exceptional properties
Sale of luxury properties in Paris & France
• 💎 Sale type : Life annuity, bare ownership, installment sale
• 📈 Minimum down payment : €600,000
• 🏛️ Valuation : Asset optimization, tax benefits, and legal security
• 🌍 Publication : On our portal for targeted visibility to high-end buyers
Sale of luxury properties through life annuities, bare ownership and installment sales – Paris & France
Enhancing the value of luxury real estate in a different way
Luxury real estate isn't just about high prices. Owners and investors seek flexibility, asset optimization, and legal security . Structures such as life annuities, bare ownership, and installment sales meet these needs while enhancing the value of exceptional properties in Paris and throughout France.
1. Life Annuity: Understanding the Basics
A life annuity is a type of sale where payment is partly made in the form of an annuity . There are two main forms: occupied and vacant .
1.1 Occupied life annuity
Simple definition: The seller continues to live in the property after the sale. The buyer pays a lump sum (initial payment) plus a monthly annuity until the seller's death.
Advantages 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:
Property value: €1,000,000
Bouquet: €400,000
Monthly annuity: €2,500
Seller's age: 80 years
The buyer therefore pays €400,000 immediately and €2,500 per month. The property remains occupied by the seller until their death.
1.2 Freehold life annuity
Simple definition: The property is available immediately upon signing. The buyer can live in it or rent it out immediately.
Upfront payment and annuity: The seller may request a higher upfront payment , and the annuity may 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
Amount: €1,500/month (or negotiable depending on the agreement)
Seller's age: 75 years
Here, the buyer pays a significant sum upfront, but the property is vacant and can generate immediate rental income. The rent can be adjusted through negotiation.
2. Bare Ownership: Separating Use and Ownership
Simple principle: The buyer buys the property , but the seller retains the usufruct (right to live in or collect rents).
Advantages: Tax optimization and wealth transfer.
Concrete example:
Total value of the property: €1,500,000
Bare ownership value: €900,000
Retained usufruct: €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 good is paid in several installments over a defined period.
Advantages: Secures income for the seller and facilitates access to luxury goods for the buyer.
Concrete example:
Property value: €1,000,000
Initial investment: €300,000
Balance due: €700,000 over 10 years
The seller receives a guaranteed income over several years and the buyer can plan their payments.
4. List your property on Charming Properties
💎 Minimum bouquet size: 600 000 €
🌍 International visibility : the portal showcases prestigious properties for qualified buyers
🏛️ Expert support : wealth management advice and high-end expertise
The portal welcomes both professionals and certain individuals under certain conditions , in order to offer maximum flexibility and visibility.
5. Why these setups are interesting
Tax optimization
Securing income for the seller
Property valuation and wealth management strategy
Flexibility for both buyer and seller
6. Concise numerical examples
| Type of sale | Worth | Bunch | Monthly annuity | Availability |
|---|---|---|---|---|
| Occupied life annuity | 1 000 000 € | 400 000 € | 2 500 € | Occupied by the seller |
| Freehold life annuity | 1 200 000 € | 800 000 € | 1 500 € | Available immediately |
| Bare ownership | 1 500 000 € | 900 000 € | 0 € | Usufruct retained by the seller |
| Forward sale | 1 000 000 € | 300 000 € | 0 € | Deferred payment over 10 years |
Life annuity sale, bare ownership sale and installment sale
Analysis of the French Market
Key figures
Approximately 5,500 life annuity transactions per year in France
Average property value: €295,000
14% of properties exceed €500,000
Occupied life annuity: 67% of sales
Freehold life annuity: 13%
Bare ownership: 13%
Dynamic zones
Within Paris city limits: strong demand for life annuities with vacant possession and bare ownership
French Riviera: highly sought-after holiday properties
Provence & Luberon: growing appeal for second homes
Heritage cities (Bordeaux, Lyon, Nantes): investment structures tailored to investor profiles
Expert testimonies
According to VIAGER MONTAIGNE , a prestigious partner agency:
"Specializing in the purchase and sale of exceptional properties through life annuities, we secure each transaction thanks to our in-depth expertise..."
Life annuity montaigne paris 16
Life annuities, bare ownership, and installment sales are effective strategies, well-suited to the scarcity and quality of high-end properties. They allow for a balance between cash flow needs, wealth management strategies, and secure transfer of ownership, for properties in Paris, Provence, or elsewhere in France.
✅ Owners: List your luxury property
Looking to showcase a villa, a high-end apartment, or a prestigious estate? Highlight it on Propriétés De Charme , the ideal platform to reach a demanding clientele— individuals or agencies —with over 3,500 prestigious listings.
✅ Real estate agencies, real estate agents and professionals: publish your luxury real estate listings
🏡 Partner agencies
Our expert agencies are available for the appraisal , acquisition , or sale of prestigious properties . We assist you in setting up tailor-made arrangements: life annuity, bare ownership, installment sale, with rigor and discretion.
We can call you back quickly and give you all the information you need. A sales representative will contact you